All Equity Retirement Portfolio. What Beyond The Status Quo Researchers Didn't Tell You!

Описание: There has been a lot of buzz recently about retirees using an all equity portfolio for their entire retirement. People cite the recent research paper titled: Beyond The Status Quo: A Critical Assessment of Lifecycle Investment Advice. What the researchers do not understand is individual investor's risk tolerance and unwillingness to accept volatility with their investments; especially in retirement. There will be retirees who after they read the research paper will decide to use an all-equity portfolio in retirement. I think most of them will be unprepared for the losses that will eventually happen in their portfolios and many will panic and sell. In this video I show some of the shortcomings and dangers of the research paper, particularly with respect to the risk framing for the 60/40 balanced portfolio vs the advised all-equity optimal portfolio the researchers recommend.

A written summary article can be found here:

https://highpassasset.com/all-equity-...

This video is for educational and illustrative purposes and is not financial advice. Your broker or advisor will charge you fees or commissions to make investments and therefore your returns will be less than indexes. For example, if you invest in the S&P 500 ETF, SPY, you will pay a fee to the company managing the ETF, State Street Global Advisors. Your return on the S&P 500 ETF, SPY, will be less than the S&P 500 Index TR because of the fee paid to State Street Global Advisors. Additionally, you may pay a fee or commission to your broker or financial advisor, further reducing your return, below the index. Consult your advisor or broker for a detailed list of their fees or commissions before you invest. Investing involves risk and you can lose money.