In this episode Mark delves into his personal approach to post-retirement asset allocation, expanding on a discussion from his appearance on the BiggerPockets Money podcast. Mark shares his journey from a 100% equities portfolio during his accumulation years to his current 80% equity and 20% fixed income allocation.
He explains the rationale behind this transition, influenced by various strategies and personal research, while emphasizing the importance of understanding one's risk tolerance and risk capacity. Mark also explores the different components of his portfolio, including his preference for ETFs and the usage of short-term treasuries.
This episode aims to provide insight by example for those nearing or in retirement, while stressing the need for individualized financial planning.
If you would like your question answered on the show, please send an email to Mark@MarksMoneyMind.com and put “podcast question” in the subject line.
Episode Links:
Mark’s Money Mind YouTube Channel
BiggerPockets Money Podcast | Life After Fire
Reply on Your Investment Policy Statement During Rocky Markets | Episode 040
Simple Path to Wealth by JL Collins (Revised & Expanded 2025 Edition)
Early Retirement Now - Safe Withdrawal Rate Series
Retirement & IRA Show - Our Retirement Philosophy and Approach, Condensed Version: EDU #2508
Berkshire Hathaway Shareholder Letter 2013
Timestamps:
- 00:23 Asset Allocation Introduction
- 02:07 Pre-Retirement Investment Strategy
- 06:13 Transition to Post-Retirement Portfolio
- 09:09 Determining the 80/20 Asset Allocation
- 25:25 Detailed Breakdown of the 80% Equities
- 30:52 Fixed Income Strategy and Rebalancing
- 38:05 Conclusion and Final Thoughts
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