The Ideal Stock/Bond Allocation Based on Your Age

Video Description

In this video, we'll look at a simple formula to help investors determine the stock and bond allocation percentages based on their age. Sponsor: https://go.robberger.com/new-retirement/yt-stock-bond-allocation Vanguard Model Portfolio Returns: https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation Bengen's 1994 Paper: https://kyestates.com/wp-content/uploads/2015/02/Bengen1.pdf Bengen's 1996 Paper: http://www.simonemariotti.com/downloads/Papers%20finanziari/Bengen%2096.pdf 0:00 - The Ideal Stock/Bond Allocation Based On Your Age 4:57 - Conservative Stock/Bond Allocation 6:37 - Moderate Stock/Bond Allocation 7:41 - Aggressive Stock/Bond Allocation 8:39 - Summary 11:42 - Portfolio Visualizer 16:05 - Q&A 16:58 - Buying the whole S&P 500 17:58 - And if you're over 70 18:41 - 4 Pillars of Investing book 19:20 - Bengen not following his own advice 20:29 - Expected return of BND 22:15 - Cash Bucket 22:36 - Open a taxable account or increase 401K contributions for retirement 24:15 - Railroad Tier 2 pension 25:39 - FIRE 28:01 - Particular type of bond purchases 29:00 - Holding a higher percentage of stock in retirement 29:47 - International bonds 30:36 - FZROX/SCHB 32:12 - Bond/Stock allocation accounted for pre or post-tax? 34:39 - Financial Freedom ———————————— Investing Tools ———————————— My Book (Retire Before Mom and Dad): https://amzn.to/2MsRJ9B Personal Capital (Investment Tracking, Retirement Planning): https://go.robberger.com/personal-capital/yt-def New Retirement (Retirement Planner): https://go.robberger.com/new-retirement/yt-def Stock Rover: https://go.robberger.com/stock-rover/yt-def M1 Finance $30 Bonus (IRA & Taxable Accounts): https://go.robberger.com/m1finance-bonus/yt-def ———————————— Credit Cards & Banks ———————————— My Favorite Credit Cards: https://www.allcards.com/best-credit-card-offers/?utm_source=YouTube&utm_medium=Video+Links&utm_campaign=Boilerplate My Favorite Online Banks: https://www.allcards.com/best-online-banks/?utm_source=YouTube&utm_medium=Video+Links&utm_campaign=Boilerplate ———————————— Popular Videos ———————————— 1️⃣ How to Create a 3-Fund Portfolio: https://www.youtube.com/watch?v=kmw8OpGp2rM 2️⃣ How I Manage 28 Accounts in One App: https://www.youtube.com/watch?v=cQk6EQk3iGg 3️⃣ 7-Step Financial Checkup: https://www.youtube.com/watch?v=mNWGWxKzKTY #assetallocation #investing #robberger ABOUT ME While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I'm the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money. I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE) LET'S CONNECT Youtube: https://www.youtube.com/channel/UC9C17-OMxa-7oRSaCtztObw?sub_confirmation=1 Facebook: https://www.facebook.com/financialfreedomguy/ Twitter: https://twitter.com/Robert_A_Berger DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions. AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning at no cost to you I earn a commission if you click through and make a purchase and/or subscribe. However, I only recommend products or services that (1) I believe in and (2) would recommend to my own mom.