The 5-Year Rule: Barbara Friedberg’s Guide to Smart Investing

Описание: In this episode of Multiple Perspectives, host David Lofgren speaks with Barbara Friedberg, an experienced portfolio manager and investment educator, about her personal strategies for building a resilient investment portfolio. Drawing on her decades of experience, Barbara outlines her preference for passive over active investing, advocates for low-cost index funds, and introduces her 90/5/5 rule—allocating the majority to traditional investments and a small portion to alternatives. She also shares her due diligence framework for evaluating alternative investments. This conversation offers a deep dive into Barbara’s personal approach to smart investing. While her perspectives may differ from those of the host or business, they provide valuable food for thought for professionals navigating a volatile market.

What You'll Learn:

• How to build a resilient portfolio using the 90/5/5 rule
• Why market timing doesn't work and the power of consistent, automated investing through market cycles
• The "Track Record Test" framework for evaluating investment platforms
• How to approach alternative investments without risking your core portfolio
• Why index investing beats active management for most investors
• The "Five-Year Rule" for determining whether an investment belongs in your portfolio
• How to evaluate crypto and emerging asset classes without betting the farm
• Why high fees and complex investment structures often reduce actual returns

Barbara A. Friedberg, MBA, MS, is a seasoned investment expert and former portfolio manager with over 40 years of experience across real estate, stocks, bonds, and alternative assets. A trusted voice in financial education, her work appears in Investopedia, Forbes Advisor, U.S. News, and more. She runs BarbaraFriedbergPersonalFinance.com and a YouTube channel focused on investing education. Barbara also consults for fintech firms and is the author of several books available on Amazon, helping individuals build wealth with practical, time-tested strategies.

Chapters:
00:00 Intro: Meet Barbara Friedberg - 40 Years of Investment Wisdom
03:57 The 90/5/5 Rule: A Modern Portfolio Strategy for Smart Investors
08:51 Smart Steps into Alternative Investments: Starting Small and Learning
12:42 Understanding Risk: Why No Investment is Truly "Safe"
18:04 Advanced Portfolio Strategies for Sophisticated Investors
25:50 The Personal Journey: From Stock Picker to Index Fund Advocate
31:35 The Future of Investing: Crypto, Innovation, and Staying Grounded
34:14 Key Takeaways: Building Long-Term Wealth Through Disciplined Investing

Episode Resources:
Multiple Perspectives is brought to you by https://equitymultiple.com/?utm_sourc...
Barbara Friedberg on LinkedIn:   / barbarafriedberg  

For full show notes, please visit: https://multipleperspectivespod.com/

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The 5-Year Rule: Barbara Friedberg’s Guide to Smart Investing