Risk Parity Radio
Risk Parity Radio is a podcast about investing located at www.riskparityradio.com. RPR explores risk-parity style portfolios comprised of uncorrelated or negatively correlated asset classes -- stocks, selected bonds, gold, managed futures, and other easily accessible fund options for the DIY investor. The goal is to construct portfolios that are robust and can be drawn down on in perpetuity, and to maximize projected Safe Withdrawal Rates regardless of projected overall returns.
Episodes
In this episode we answer emails from Optimus Bill, Arun, and Aaron. We discuss why we do this show, how to build real friendships as an adult, and how to think clearly about investing without chasing fame or noise. Then we challenge the “gold returns zero” myth with a supply-and-demand lens that looks beyond popular US-centric group-think.
And THEN we our go through our weekly portfolio reviews of the eight sample port...
In this episode we answer emails from Mark and Eric. We discuss managing finances through aging, dementia, and what happens when the family’s primary money manager can’t manage anymore. Then we challenge popular fear-based retirement thinking and explain why hoarding wealth can be a bad strategy for well-being and relationships.
Links:
Fairfax CASA Donation Page: Donate - Fairfax CASA
Father McKenna Center Donati...
In this jam-packed crushed-fresh stone-solid hour-busting episode we do a trifecta response to one most excellent email from Rebecca. We discuss portfolios for FI-lanthropy, options and resources for making a transition from a 100% stock portfolio with tax and ACA subsidy issues, the drawbacks of bucketeering compared with the joys of asset swaps, and the socio-political overhang attached to gold and how that is evolving towards m...
In this episode we answer question from Rob, Matthew, and Luke. We discuss the pitfalls of trying to rely on an all-bond portfolio in retirement and better options, the problems with over-valuing financial simplicity over good living, the benefits of the Choose FI podcast, muddled thinking about the concepts of “self-cleansing” and the momentum factor, why reassessing a retirement plan beats obsessing over a perfect forecast, and ...
In this episode we answer emails from TJ, Jose and Optimus Bill. We discuss the foibles of trying to catch up via investment picking if you are behind on retirement, debunk CAPE-style and other crystal ball forecasts from "experts" that Level Two investors often fixate upon, lay out practical growth-tilted allocations that can beat narrative-driven investing and invite you all to contact Optimus Bill about your Risk Pari...
In this episode we answer emails from Luc, Deep, and Paul. We discuss the French Canadian "Sak kosh" portfolio, try to help out the elder Sonia sleep well at night, distinguishing small cap blend funds from small cap value funds, and share how we use AI tools to summarize long investing content without losing the source material.
Links:
Father McKenna Center Donation Page: Donate - Father McKenna Ce...
In this episode we answer emails from Geraldo, Rock, Ute. We discuss how to give well, shifting from big-name school donations to smaller charities with immediate impact, moving from individual stocks to a Golden Butterfly style portfolio with less stress, treating Roth conversions as optional and highly personal rather than automatic, using a conservative Interactive Brokers margin loan as a temporary cash buffer, lowering margin...
In this episode we answer emails from Milo, Scott, and Joel. We discuss bad advisor incentives and how to classify them by their business models, identify the only business model you want to patronize, and then move on to Treasury STRIPS and rebalancing realities, practical withdrawal mechanics with a test portfolio, and why Bitcoin’s high correlation to tech stocks undermines its role as a diversifier.
We also celebrate...
In this episode we answer emails from Michael, Jim, and Optimus Bill. We start with a 67-year-old investor who is all-in on equities and cannot sleep, and how changing portfolio allocations can lead to better rest. We share a framework of "the three H's" for determining whether you are Hustling, Hoarding, or Harvesting your way through retirement, and how that may impact your well-being over time. We also dig into w...
In this episode we answer emails from Zach, Brian, Holly and Optimus Bill. We discuss a way to estimate retirement health care costs using current data, clear up the “index fund” labelling problem and talk about why indexed dogs and cats won't start living together, have fun with milkshakes, and map out what tends to help a portfolio survive stagflation. But first we celebrate a huge community win for Fairfax CASA with Queen...
In this episode we answer emails from Kyle, Tim, and Tim. We discuss dealing with a recalcitrant parent who won’t talk about the straw in their milkshake, outline flexible retirement withdrawal planning with asset swaps, and explain how to escape TSP limitations.
And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.
Addi...
In this episode we answer emails from Thirsty Horse, Mark, and Mike. We discuss a wise friend and lessons on clarity, happiness, and preparing for the end, how we got involved with the Father McKenna Center and Fairfax CASA, and dig into the real work behind CASA and foster care. Then we pivot back to practical investing and tax planning without shortcuts.
Links:
Fairfax CASA Donation Page: Donate - Fairfax CA...
In this episode we answer emails from Jose, Optimus Bill, and Steve. We discuss bonds, retirement taxes, valuing Social Security and when to take it, how some use the four quadrant model for market timing, and the latest wave of complex ETFs. Along the way, we make the case that liquidity is the real goal of retirement planning, not income that may raise your tax bills.
And THEN we our go through our weekly portfolio revi...
In this episode we answer emails from Andrew, Geoff, and Frank. We discuss connecting risk parity investing to a bigger question: how to build a drawdown portfolio you can hold while using money to live a full life. Along the way we share a Fairfax CASA story, dig into narrative psychology, and answer practical fund questions on modifying the sample Golden Ratio portfolio, large cap stock funds, managed futures, and what beta does...
In this episode we answer emails from Matt, Michael, Stephen and Al. We discuss expanding the spending muscle in retirement, the generosity of our listeners, more on the Four Quadrant model and its permutations, and how we stay connected to listeners without inhabiting the conference circuit.
And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Ra...
In this episode we answer emails from Dustin, Optimus Bill, Vaibhav, and Morrie. We discuss how to vet a new "shiny object" ETF, why trying to "fix" target date funds is likely to be a fools' errand as their proper use is extremely limited, and transitioning into a retirement drawdown portfolio without obsessing over recent market highs.
In our Queen Mary segment, we also provide a Fairfax CASA f...
In this episode we answer emails from Ronald, George, Jeff. We celebrate episode 500 by sharing a few “Easter egg” resources, then jump into listener questions that cut through common investing myths. We discuss a portfolio for a non-profit, rant about TIPS with a Wall Street Journal article to back us up, and talk about various choices in withdrawal methods.
And THEN we our go through our weekly portfolio reviews of the...
In this episode we answer emails from Jose, Luc and Sara. We discuss using specific tax lots to reduce capital gains when reallocating, how the 0% long-term capital gains bracket works and why many land in the 15% bracket, where to hold gold like GLDM across IRAs and taxable accounts, turning off dividend reinvestment to simplify moves and build retirement cash, replacing total bond and international bond funds with Treasury funds...
In this episode we answer emails from Frank, Stephen (from Cincy), Jeff, and Sally. We focus on a common retirement blind spot: once you are financially independent, portfolio tweaks matter less than the life choices you make with the time you have. We also address those tweaks and then dig into HSA asset location traps, reflect on our listeners and our mission, and talk about our fundraiser for Fairfax CASA.
And THEN we...
In this episode we answer emails from Dave, Marcus Vindictus, and Sharon. We take a hard look at what “diversified” really means in retirement and why correlations matter more than fund count. We also talk about simplifying messy accounts, using AI to decode bad 401(k) menus, and making generosity a real part of financial independence.
And we do a fundraising update for Mary's charity, Fairfax CASA, and discuss how ...
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