Thanks for watching! Here are some follow-up videos: Asset Allocation Explained [Modern Portfolio Theory]: kzread.info/dash/bejne/g4ib2LmJcczOecY.html Three-Fund Portfolio [The BEST Portfolio!]: kzread.info/dash/bejne/hGxlvI-oksioY9Y.html Six Retirement Withdrawal Strategies Compared: kzread.info/dash/bejne/pKuZmqWacbi0gpM.html

I'm 100% Stocks. I'm 34 in August, I'm a fed so I have 2 pensions (fers and ss). I'm comfortable with 100% Stocks for at least another 25 years. I'm very fortunate to have a pension.

@nickdoyle-achievefinancial2464

2 ай бұрын

The pensions are extremely helpful! They would certainly make me feel a lot better with 100% stocks. Thanks for sharing!

I like the real data you offer. 9/10 experts and advisors wont give this, and will just say youre crazy to have 100% stocks. For example you mentioned heirs, this is important to some. I plan to have plenty from my SSA and pension to live comfortably indefinitely throughout retirement and can ride years worth of downturns in the market. It is reckless for the advisors and tubers telling everyone to hold bonds forever. They are losing a lot of money over time!

I started 80/20, and similar to your story ended up selling bonds for stocks around the covid crash. Currently 87% stocks, 6% crypto (mostly ETH, staked), 7% cash (emergency fund)

@nickdoyle-achievefinancial2464

2 ай бұрын

Thanks for sharing Austin! I think I prefer the way we did it, since we weren't very sure of our risk tolerance when starting.

Cool!

@nickdoyle-achievefinancial2464

Ай бұрын

Cheers!

I'm within 3 years of retirement, and I have gradually shifted from 90/10 stocks/bonds down to 60/20/20 (stocks/bonds/alternatives). I was recently very briefly tempted to go back up to 50/50 (US stocks/Intl stocks) when the Cederburg paper started getting attention, but I decided not to drink the Kool-Aid. The period you modeled, starting at 2000, is what scared me off from that. I'll be happy enough with a smoother nominal 7% or 8% return average in retirement. Thank you for addressing this sensibly.

@nickdoyle-achievefinancial2464

Ай бұрын

Thanks Tim, that sounds like a reasonable change to me. I don't think many of us know how grueling a period like the one starting in 2000 would be. Congrats on approaching your retirement, and best wishes!

I've worked for over 40 years and am now just months away from retirement. As you've mentioned in past videos, it's crucial to invest in yourself first-through education, maintaining your health, and nurturing your mind. Typically, everything else falls into place when you do this. Eventually, you'll reach a financial milestone where you can say, "My work is done; I don't need to worry about money anymore." Any excess beyond this point can be allocated to high-risk, high-reward investments, like Bitcoin, without impacting your financial security. Still in the game just without the worry.

@nickdoyle-achievefinancial2464

2 ай бұрын

Thanks for sharing Franklin, I couldn't agree more with your points :) Congratulations, I hope you enjoy retirement!

I visited your KZread channel and saw that your content is so good. But there are many workspaces, so you need to update your video optimization. Like SEO-friendly video title selection, writing an attractive SEO-related description, and researching high-rank targeted keywords according to your niche to rank your video.

Currently in the accumulation phase and invested 100% stocks. Planning to keep 80% stocks in retirement and utilize dynamic spending to hedge against down markets. Started investing post-2008 and I didn't see a major benefit to holding bonds in that low interest rate environment. I may consider shifting to 90% if interest rates continue to climb over the next 2-3 years. I'd buy 10-year treasuries at >6%.

@nickdoyle-achievefinancial2464

2 ай бұрын

Thanks for sharing Dustin! Bonds were definitely much less attractive at the lower rates! I agree with dynamic spending, since it will help adapt to market conditions.

I'm getting close to retirement and will be going with 2 years of cash and the rest stocks (about 10/90)

@nickdoyle-achievefinancial2464

Ай бұрын

Nice, congratulations! Best wishes

100% stocks. VT and chill -:)

@nickdoyle-achievefinancial2464

Ай бұрын

Hello Nick, what are your thoughts on all-in-one factor funds such as AVGE or DFAW, so as to avoid tinkering and having to rebalance? I have a 30+ year time horizon until retirement, and I am considering changing from VT to AVGE in my Roth IRA.

@nickdoyle-achievefinancial2464

2 ай бұрын

Hi, keeping it simple and avoiding tinkering is generally good in my opinion. I think both are reasonable if you believe there are the additional risk premiums to capture. I previously made one with my thoughts on factor investing if you haven't seen it: kzread.info/dash/bejne/ZK2C06Rpn5fWaJM.html. I may make a video on Avantis & Dimensional ETFs. Thanks for watching!

Hey nick, do you think 100% Small Cap Value etf in a roth ira is reckless with 30+ years time horizon.

@nickdoyle-achievefinancial2464

2 ай бұрын

Hi Keith, I don't think so if you have the conviction for SCV :). If you haven't seen it, I made a video with my thoughts on factor investing: I previously made one with my thoughts on factor investing if you haven't seen it: kzread.info/dash/bejne/ZK2C06Rpn5fWaJM.html. Thanks for your support!

@Kep19901

2 ай бұрын

@nickdoyle-achievefinancial2464 thanks for the reply, I'll probably go to a more traditional allocation I my 40s. These small caps are volatile haha

50% money market waiting for the 2023 crash.

@nickdoyle-achievefinancial2464

Ай бұрын

That's a long wait!