New Study Supports 100% Equity Investing for Life – The Debate

Recently, I posted a video “New Study Supports 100% Equity Investing for Life” that went semi-viral with 14,000 YouTube views & 1,000 podcast downloads. 

There is an interesting active debate mainly on YouTube, and a bit on my blog with a lot of comments and questions. Let’s look at them and join the debate.

The evidence from the study to invest 100% in equities for life is certainly unconventional, so the comments revealed interesting insights.

This is an important topic. I have many posts on my blog over almost 20 years about how much better your Financial Plan and retirement income are with a high equity allocation. 

I have posts about other studies, including my own. I believe people with a high enough risk tolerance who will stay invested through market crashes should invest 100% in equities. This is unconventional wisdom – but studies show it works!

In my latest podcast episode and blog post you'll discover:

• What did the study actually say?

• What did most of the comments agree on?

• Does the study support 100% equities right through retirement?

• Won’t many people panic and sell?

• How does the recommendation of 67% international look for US vs. non-US investors?

• Do international stocks provide good diversification?

• Would this work in some time periods but not others?

• Would it work for narrower equity indexes, such as the NASDAQ?

• Is this study new? 

• Isn’t the risk of running out of money in retirement similar for 100%, 80% & 60% equities?

• Isn’t it better to keep some cash?