Risk Parity Radio

Latest Episodes:

Episode 169: Financial Services Industry Musings, Taxes, Budgeting And Our Portfolio Reviews As Of April 22, 2022 Apr 24, 2022

Show notes

In this episode we answer emails from MyContactInfo (x2), Chris and Karen. We discuss annuities and conflicts in the financial services industry and why efficient solutions are disfavored, tax considerations for accumulation risk parity portfolios and the joys of budgeting.
And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.
Additional Links:
Interview of Fairfax County Pension Investment Managers: 7 Allocator Series: Learnings from Fairfax County ft. Katherine Molnar and Andrew Spellar— April 6th, 2022 | Top Traders Unplugged
Monte Carlo Simulator At Portfolio Visualizer: Monte Carlo Simulation (portfoliovisualizer.com)

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Episode 168: Celebrating With Risk Parity Chronicles, More Cowbell, Dividend Handling, Two-Fund Portfolios And THE DUDE Apr 20, 2022

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In this episode we answer questions from Doron, George, Eddie J. and Alexi (a/k/a "Duder"). We discuss the Macro-Allocation Principle and when to diversify your stock portfolio, what to do with dividends, experimenting with leveraged two-fund portfolios and options for investing in volatility and managed futures/trend following with the Dude.
We also talk about reaching 250,000 downloads and about what's happening over at Risk Parity Chronicles.
Links:
Johnny Ball and his Pentagram: Drawing an Egg (with a Pentagon) - Numberphile - YouTube
Risk Parity Chronicles post re Backtester Tool: Portfolio Backtest Shortcut Tool explainer (riskparitychronicles.com)
Risk Parity Chronicles tutorial: Screencast for Portfolio Backtest Shortcut Tool - YouTube
Risk Parity Chronicles Inflation Post: Best Asset Classes for Surviving Inflation: a test (riskparitychronicles.com)
The Dude's Proposed Dragon-Type Portfolio: Backtest Portfolio Asset Allocation (portfoliovisualizer.com)
The Dude's Portfolio Correlation Analysis: Asset Correlations (portfoliovisualizer.com)

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Episode 167: Portfolio Analysis, New Composite Funds And Pappy O'Daniel's Conflicted Flour Hour Apr 13, 2022

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In this episode we answer emails from Paul, MyContactInfo, Alex and Marvin. We discuss Paul's sample portfolio construction, inherent conflicts of interest in financial media and the financial services industry, new Wisdom Tree Funds GDE and GDMN and more conflicts of interest from popular personal finance personalities involving day care centers and milk shake drinkers.
Links:
Portfolio Visualizer Analysis Of Paul's Portfolio: Backtest Portfolio Asset Class Allocation (portfoliovisualizer.com)
Portfolio Charts Analyzer: MY PORTFOLIO – Portfolio Charts
Where Are The Customer's Yachts Book: Where Are the Customers' Yachts?: Or a Good Hard Look at Wall Street by Fred Schwed Jr. | Goodreads

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Episode 166: Tax Loss Harvesting Funds, Withdrawal Mechanics, Tools And Portfolio Reviews As Of April 8, 2022 Apr 09, 2022

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In this episode we answer emails from Mitchell, Alexi (Dude!), Brian and Daniel. We discuss how to identify similar funds for tax loss harvesting, concentrations and "bad decades", leveraged ETFs in accumulation, using risk-parity portfolios for intermediate accumulations, and withdrawing in retirement from a Golden Butterfly portfolio.
And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.
Additional Links:
Portfolio Visualizer Asset Correlation Tool: Asset Correlations (portfoliovisualizer.com)
PHYS ETF page and description: PHYS Keep More of What You Earn (sprott.com)
Ben Felix Video About Leverage: Investing With Leverage (Borrowing to Invest, Leveraged ETFs) - YouTube
Optimized Portfolio website: Optimized Portfolio - Investing and Personal Finance
"Buffett's Alpha" White Paper: Buffett’s Alpha (tandfonline.com)

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Episode 165: Treasury Bonds And Tax Loss Harvesting, Infinite Banking At Interactive Brokers And Staying On Message Apr 06, 2022

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In this episode we answer emails from Mike, John, Jeff, Wang, and Ray. We discuss recent performance of long-term treasury bonds and tax loss harvesting them, ValueStockGeek's Weird Portfolio (see episodes 113 and 126), borrowing against your portfolio at Interactive Brokers, how to understand criticism and not get caught up in spurious arguments and insults, and staying focused on we are actually trying to do here with advice from Bruce Lee and Ralph Waldo Emerson.
Links:
Weird Portfolio Article: The Weird Portfolio. How To Avoid Bubbles, Limit Drawdowns… | by Value Stock Geek
IRS Page on Form 4952: About Form 4952, Investment Interest Expense Deduction | Internal Revenue Service (irs.gov)
Perfect Portfolio book: In Pursuit of the Perfect Portfolio: The Stories, Voices, and Key Insights of the Pioneers Who Shaped the Way We Invest: Lo, Professor Andrew W: 9780691226446: Amazon.com: Books

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Episode 164: Transitioning Basics, TIPS, Consumption Smoothing, Plato And Our Portfolio Reviews As Of April 1, 2022 Apr 02, 2022

Show notes

In this episode we answer emails from Michelle, Brian, Alan and MyContactInfo. We discuss transitioning from accumulation to decumulation, why TIPS suck (again), consumption smoothing in financial planning and the Allegory of the Cave applied to financial services and media.
And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.
Additional Links:
Correlation Analysis of TIPs and Treasuries: Asset Correlations (portfoliovisualizer.com)
White Coat Investor Article: Consumption Smoothing is Stupid (whitecoatinvestor.com)
The Allegory of the Cave: Allegory of the Cave - Wikipedia
Early Retirement Extreme Book: Early Retirement Extreme: A Philosophical and Practical Guide to Financial Independence by Jacob Lund Fisker | Goodreads
Think Advisor Article With Bad Advice: Wade Pfau: TIPS and Annuities Good Bets When Inflation Is High | ThinkAdvisor

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Episode 163: Let's Put Karen In The Easy Chair And Do A Golden Ratio Case Study! Mar 30, 2022

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In this episode we read a novella from Karen about how she is constructing her Golden Ratio-style retirement portfolio. Then we review expense and budgeting considerations, asset locations in multiple accounts, drawing down on a portfolio with ten-year IRAs and the basic options for managing asset sales and distributions. And a bit on REITs to boot!
Fear? That's the other retiree's problem!
Episode 160, where we answered Karen's initial question: Podcast 160| Risk Parity Radio

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Episode 162: Approaching Brazilian TIPs, Treasuries, Insurance Companies, Sector Concentrations And Portfolio Reviews As Of March 25, 2022 Mar 27, 2022

Show notes

In this episode we answer emails from Luis from Brazil, Paul, Alexi (His Dude-ness), and MyContactInfo (a different one). We discuss how to analyze Brazilian TIPs and other role-based assets, the trials and tribulations of treasury bonds, the oddly extraordinary performance of property and casualty insurance companies in times like these, tax considerations in fund-picking and what concentrations in particular stock fund sectors do in risk-parity portfolios.
And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.
Additional links:
Analysis of QQQ portfolio vs KBWP portfolio: Backtest Portfolio Asset Allocation (portfoliovisualizer.com)
Risk Parity Chronicles blog and website: Risk Parity Chronicles

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Episode 161: Gonna Fly Now With Risk Parity Chronicles And More Listener Emails Mar 22, 2022

Show notes

In this episode we announce the roll out of the Risk Parity Chronicles blog and website from our listener Justin. We also address emails from MyContactInfo, Spencer, Satoshi and Andre. We discuss an interview of Eugene Fama about the war in the Ukraine, the ETF SAA (ProShares 2x Small Cap), the inherent problems with analyzing gold in a portfolio pre-1971 and related issues, and how to value a property to be inherited.
Links:
Justin's Risk Parity Chronicles blog and website: Risk Parity Chronicles
Summary of Eugene Fama Interview: Fama: It’s Putin who’s irrational, not the markets | The Evidence-Based Investor (evidenceinvestor.com)
Next Level Life Analysis of Golden Butterfly Portfolio: The Golden Butterfly Investing Strategy Explained (Most CONSISTENT Investing Strategy Ever?) - YouTube
Article Regarding the London Gold Pool of the 1960s: London Gold Pool - Wikipedia

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Episode 160: Blowing Up The Deathstar (Again!) And Our Weekly Portfolio Reviews As Of March 18, 2022 Mar 19, 2022

Show notes

In this episode we address emails from Thomas, Karen and Jeffrey. We discuss high-performing two-fund portfolios, Bill Bengen and Michael Kitces missiles into the Deathstar's crystal balls and exhaust ports, Karen's portfolio management, an updated and improved shortcut tool for analyses at Portfolio Visualizer and Portfolio Charts, and a query about investing in energy sector stocks.
And THEN we scare you with our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio.
Additional links:
NTSX/GLD portfolio and comparison analysis: Backtest Portfolio Asset Allocation (portfoliovisualizer.com)
Bill Bengen Critique of Morningstar Study: Is It Now the “3.3% Rule”? - Articles - Advisor Perspectives
Michael Kitces Critique of Morningstar Study: Can Morningstar's Withdrawal Rate Report Refute The 4% Rule? (kitces.com)
Karen's Mod to Mark's Most Excellent Portfolio Shortcutter Tool: Karen's update to Mark's Shortcutter - asset class support and older funds - Google Sheets
Portfolio Visualizer Energy Sector Analysis: Backtest Portfolio Asset Allocation (portfoliovisualizer.com)

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