I spent HOURS testing retirement portfolios. I learned these secrets!

แชร์
ฝัง
  • เผยแพร่เมื่อ 23 ธ.ค. 2024

ความคิดเห็น • 13

  • @ThePeakFP
    @ThePeakFP  10 หลายเดือนก่อน +2

    Want to schedule a consultation? Click here:
    app.thepeakfp.com/YTWWU

  • @joekuhnlovesretirement
    @joekuhnlovesretirement 10 หลายเดือนก่อน +26

    It’s easy to pick great portfolios looking back.

    • @ThePeakFP
      @ThePeakFP  10 หลายเดือนก่อน +10

      Can't disagree with that.
      Also not the point of the video to "champion" individual portfolios.
      The goal is to stimulate critical thinking about what people use as guidance for their retirement investing - my base case is that asset allocation based investing allows lazy financial advisors to build lazy portfolios, and profit driven brokerages to annuitize their fees via simple ETFs.
      But hey , I could be wrong and the industry could be completely magnanimous and in it for the end user (retiree's) best interests, just like big pharma is so generously helping us achieve better health outcomes 🤔🤔🤔.
      Somehow I doubt both of those things...

    • @Tony-dx3eo
      @Tony-dx3eo 9 หลายเดือนก่อน +2

      @@ThePeakFPWell said. I couldn’t agree more with your response. Excellent topic and new subscriber to your fine channel.

  • @wdeemarwdeemar8739
    @wdeemarwdeemar8739 10 หลายเดือนก่อน +2

    Fascinating stuff.

    • @ThePeakFP
      @ThePeakFP  10 หลายเดือนก่อน

      Agreed!

  • @kahvac
    @kahvac 10 หลายเดือนก่อน +2

    It would be nice to see same portfolios but out at 10-15-20 years or more.

    • @ThePeakFP
      @ThePeakFP  10 หลายเดือนก่อน +2

      I agree. Part of the challenge is that many ETFs don't have lifespans longer than 5-10 years - so back testing further then that becomes less possible and less accurate...
      One of the trade offs we don't realize we accept when we use ETFs is that there is a lack of historical data for many of them, especially as they get more specific or more niche.
      The only way to truly back test longer time periods would be to use single stock portfolios ..

  • @rda9441
    @rda9441 7 หลายเดือนก่อน +2

    This was interesting analysis. I was thinking the 96% portfolio would have had the highest gain. I would have never thought the 60/40 would have had best return.

    • @ThePeakFP
      @ThePeakFP  7 หลายเดือนก่อน

      Yes. Pretty fascinating stuff to dive deeper into some of the performance metrics. It certainly dispels some of the "conventional wisdom" that we are told to just take for granted....

    • @AndrewRod-c5v
      @AndrewRod-c5v 6 หลายเดือนก่อน

      Ot doesmt have the best return 100 % stocks does !

  • @mmabagain
    @mmabagain 6 หลายเดือนก่อน +2

    Unfortunately, Portfolio Visualizer has changed massively. And definitely NOT for the better!

    • @ThePeakFP
      @ThePeakFP  6 หลายเดือนก่อน +3

      Yes - I agree - not a big fan of the PV changes... Pretty disappointing actually.