Q&A Follow-up: "Which Is The Best 1-,2-, 3- and 4 Fund Strategy?” Part 3
About This Episode
Paul is joined by Chris Pedersen, Director of Research and Daryl Bahls, Director of Analytics for The Merriman Financial Education Foundation , to answer questions from viewers of the AAII Webinar, "Which Is The Best 1-,2-, 3- and 4 Fund Strategy?” that Paul presented Sept. 23, 2020. While the presentation explored returns of 11 portfolios, from 1 to 4 funds, the focus was on the Merriman 4-Fund Combo. See all URL links below.
It is not necessary to watch or listen to the original presentation to appreciate this Q&A session, but it will likely be helpful. This is presented as both a podcast and a YouTube video. If you enjoy this, please like and share. Your engagement helps support our work…thank you!
Download a free PDF of all slides in the original presentation:
https://paulmerriman.com/wp-content/uploads/2020/10/QA-Podcast-1-Charts.pdf
As the presentation included results for all 11 of what we call “No-Nonsense Portfolios,” several viewers wanted to know how the 10-fund Merriman Ultimate Buy and Hold Portfolio performed for the 1990-2019 period. In this Q&A we addressed that topic.
The following questions are from the live event’s audience:
- Will you be developing small portfolios that include international equity funds?
- Will you discuss your use of market timing, including how DFA uses market timing in their portfolio management?
- With only 10 years left until retirement, how appropriate will the 2 Funds for Life portfolio be? • What is a safe withdrawal rate in retirement?
- What do you recommend for a 50- to 60-year-old who wants to retire now compared to one who is 60 to 70? (The viewer adds he has a $3 million portfolio.)
- How can you recommend bond funds when they pay such little income?
- Do you like the Life Cycle Funds within the U.S. Government Thrift Savings Plan? Would you recommend the Small Cap Fund in the TSP for your 2 Funds for Life Portfolio?
- Do you use equal weighted index funds in any of your 4-Fund Combo ?
- Do you always recommend rebalancing your 4-Fund Combo?
- Where can I get a copy of your upcoming book, We’re Talking Millions! 12 ways to Supercharge Your Retirement ?
- What do you think is the best formula for the percentage you have in stocks and bonds? [See our Fine Tuning Tables and Distribution Tables ]
- What is the biggest mistakes young investors make?
- I have fully funded my 401k and have more money to invest… should I put in taxable account or my wife’s 401(k)?
- What books do you recommend?
Winning the Loser's Game by Charles Ellis
A Random Walk Down Wall Street by Burton G. Malkiel
Your Complete Guide to a Successful and Secure Retirement by Larry Swedroe
Your Money and Your Brain by Jason Zweig
Spending Your Way to Wealth by Paul Heys