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, REITs 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.
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Women have had the right to vote for 100 years, but most experts believe that we will not achieve workplace parity for another 135 years! 135 years is a long time, friends, to wait for gender equality and a level playing field at work. The goal of this podcast is to accelerate this change by being a coach, mentor, and trusted friend for all of you who are ready now.
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Welcome to Pathways to Parity, a podcast dedicated to reshaping the narrative of gender EQUITY and parity at every level, not just within the professional sphere. It's undeniable that equity remains a critical concern not confined to specific realms, but pervasive across various sectors of society, necessitating a comprehensive approach to address disparities in all walks of life. The sobering projection from the World Economic Forum, at the current rate of progress, it would take another 13 ...
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Episode 336: Gold And Mental Models Of Crowds And History, The Truth About Inflation In Retirement, And More On Global Portfolios
36:53
In this episode we answer emails from Zane, Slim Jim, and Jim Kirk. We discuss recent moves in world gold markets, good and bad mental models of collective action and critical events, including Mimetic Theory and fractal sand pile models, avoiding the physical metals racket, the data and evidence showing that retirees experience inflation at a much…
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In this episode, Cathy and Deborah discuss the revolt against Diversity, Equity, and Inclusion efforts - and women - in the workplace. How did the seemingly noncontentious goal of inclusivity become controversial? More importantly, what can we learn from this back lash to transform our own approach? As always, we offer solutions.…
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Episode 335: Humorous Musings On 4/20, Asset Swaps In Retirement Accounts, A Global Portfolio Analysis And Portfolio Reviews As Of April 19, 2024
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In this episode we answer emails from Anderson, Brian and Drew. We entertain ourselves on 4/20 with Anderson's "Uncle Frank" Portfolio and learn something from it, discuss asset swapping for management of retirement accounts with a hat tip to Justin (Risk Parity Chronicles), and discuss the new Global Portfolio analysis and tools from Tyler at Port…
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Episode 334: Comparative Analyses At PV, Comparative Safe Withdrawal Rates, Foolish Consistencies, And Fee Spats In ETF World
26:51
In this episode we answer emails from Kyle, Andrew, Sameer and James. We discuss some portfolio comparisons of levered 60/40 portfolios, interpreting and comparing safe withdrawal rates from various calculators and their practical application in consideration of variable expenses and needs (our 3-1-1 flexible withdrawal plan), the foolish consisten…
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Episode 333: Putting The Hammer Down With A Rant On Target Date Funds And Portfolio Reviews As Of April 12, 2024
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In this episode we answer an email from Ingrid. We discuss target date funds in depth and why they are not good choices for investors. We review their history and recent academic research that reveals the truth. You may not like it, but we hope you can handle it. And THEN we our go through our weekly portfolio reviews of the seven sample portfolios…
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Episode 332: Assisting Elderly Parents, A Levered Accumulation Portfolio, And The "You-Know-You-Won" G Fund
29:36
In this episode we answer emails from Ed, Anderson and Joe. We discuss assisting aging parents running out of money, Anderson's levered accumulation portfolio and locating the assets, and using the G Fund in a TSP as a short-term bond fund. Links: Portfolio Matrix Used to Analyze Anderson's Portfolio (insert allocations per podcast): Portfolio Matr…
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Episode 331: Dollar Stories, The Rule Of 55, The Nicest Guy of FI, Basic Portfolio Construction Principles, And Reviews As Of April 5, 2024
45:39
In this episode we answer questions from Dale, Brad and Corey. We discuss a new paper about US dollar dominance and the common narrative fallacies associated with that issue, using the Rule of 55 for 401(k) withdrawals, the Nicest Guy of FI, and the basics of constructing portfolios with high historical safe withdrawal rates. And THEN we our go thr…
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Episode 330: Charitable Donation Methods, Speculating On Inflation And Applying Shannon's Demon To Prioritize Our Investing Principles
28:45
In this episode we answer emails from Jon, Eli, and George. We discuss using the tools at Portfolio Charts, methods of charitable giving to our favorite charity, extreme podcast listening, what to invest in if you are speculating on inflation next year and other gambling problems, and applying the math of Shannon's Demon to show us why we should no…
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Episode 329: Fun With Transitions, The Portfolio Charts Tools, And GOOOOLD, Along With Portfolio Reviews As Of March 29, 2024
50:36
In this episode we answer emails from Jetson and Jon (x2). We discuss good times to trade, transitioning to a risk parity style portfolio with sub-optimal components and related considerations, experimenting with and learnings from the tools at Portfolio Charts, including the Portfolio Matrix and Drawdown Analyzer, and Gooooold! And THEN we our go …
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Episode 328: Rebalancing Leveraged Portfolios, Asset Location Considerations, And All Hail BLAZING SADDLES!
35:20
In this episode we answer emails from Mark, Justin, and Cy, and also update our answer to last episode's email from Sean. We talk about a different approach to Sean's situation, Mark's experiments with leveraged funds, rebalancing and assorted gambling problems, reporting on the sample portfolios at the website, the difficulties of trying to plan "…
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Episode 327: Quick-Time Harch, AQR Funds, Bond Ladders, Global Population And Portfolio Reviews As Of March 22, 2024
44:22
In this episode we answer emails from Andrew, Sean, and MyContactInfo. We discuss QDSIX and other AQR funds and their approaches, good and bad uses of bond ladders, and macro-issues pertaining to projected global population declines in the future. And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at…
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Episode 326: A Review of Why We Are Here, Golden Portfolios, The Non-Spenders' Plague, Revisiting Shannon's Demon, Oversimplification Is NOT The Real Goal, And Emerging Market Musings
40:21
In this episode we review why we are here and then answer emails from Paulo, Paul G, and Carlos. We discuss our recent trip to the EconoMe Conference, Paulo's portfolio ideas, the plague of being unable to spend money that afflicts most popular personal finance personalities, Mark's Money Mind (a new podcast), why the Simplicity Principle should no…
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Episode 325: Talking Horses, Ray Dalio, Peruvian Guinea Pigs And Portfolio Reviews As Of March 8, 2024
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In this episode we answer emails from Ed, Jesse and Kyle. We discuss TMF and leverage in bond funds (and gambling problems), my recent ranting in Episode 321 and Ray Dalio's limitations and foibles, and my musings on guinea pigs and our recent trip to Peru. It's action packed! And THEN we our go through our weekly portfolio reviews of the seven sam…
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Episode 324: Here's Johnny With A Withdrawal Plan, What To Do When You Have Not Saved Enough And A Little RSBT
33:52
In this episode we answer questions from Mark, Broken Jack and Gus. We discuss a specific withdrawal plan and why it does not need to be too complicate, the considerations and differences between complicated or risk-based problems and complex or uncertainty-based problems, ideas for people who have not saved enough by the time they get to their six…
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Episode 323: Flogging A Dead Horse, Jerry Parker And TFPN, Portfolio Shifts, And Portfolio Reviews As Of March 1, 2024
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In this episode we answer emails from Richard, Andrew and Drew. We discuss the now much-maligned Cederburg paper (again) and listen to Cliff Asness flog it, Jerry Parker's new managed futures ETF, TFPN and guidelines for making portfolio shifts. And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at P…
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Episode 322: Aggregating Portfolios, Leverage, Festivus, Leeroy Jenkins And Portfolio Reviews As Of February 23, 2024
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In this episode we answer emails from Damon, Pete and Jeff. We discuss the benefits of aggregating assets and portfolios as a couple, basic tax location ideas, children with gambling problems and fun games to play with them, and resources for researching leveraged, diversified portfolios (e.g., "Return Stacking"). And THEN we our go through our wee…
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In this episode, we reflect on a recent podcast from the Value Stock Geek and embark on a nice little rant about recent mailings I have received from the financial services industry. Link: Security Analysis Podcast from the Value Stock Geek: The Security Analysis Podcast | Value Stock Geek | Substack Support the show…
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Episode 320: Golden Intermediate Accumulations, Long Dollar Funds, Temporary US Residency And Portfolio Reviews As Of February 16, 2024
40:03
In this episode we answer emails from Lee, Phil and Carl. We discuss using Golden Butterfly and Golden Ratio portfolios for intermediate accumulations, the Cederburg Pickelhaube Portfolio (again), funds UUP and EUO as diversifiers, our open source business model and tax issues for US temporary residents. And THEN we our go through our weekly portfo…
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In this episode, we talk to Angela B. Freeman, mom, wife, law firm partner, and podcaster about where she's been and what she hopes for in teaming up with others. We discuss the moments White women have failed to be allies and partners to Women of Color, and what we all need to do to step up, including recognizing the advantages some people have ba…
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Episode 319: Transitioning A Simple FIRE Portfolio, The Pickelhaube Portfolio And More Fun With Leverage
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In this episode we answer emails from Robert, MyContactInfo, and Stuart. We discuss growing and transitioning a FIRE portfolio, the drawbacks of too much cash, the Cederburg paper (again) and his Pickelhaube Portfolio, and more fun with leveraged ETFs. Links: Sean Mullaney Podcast re 72(t): How to Access Your Retirement Accounts Before 59.5 | Sean …
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Episode 318: Leverage, Revealed Preferences In Portfolio Construction, Andean Flutes And Portfolio Reviews As Of February 9, 2024
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In this episode we answer emails from Anderson, Dennis and Brian. We discuss a proposed levered portfolio and leverage in general, revealed preferences applied to portfolio construction and matching construction to actual or stated goals and staying alive with Andean flute playing. And THEN we our go through our weekly portfolio reviews of the seve…
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In this episode we answer emails from Blake, Brown and Christian. We discuss new research into the long-term performance of leveraged funds, other gambling problems and the tax reporting of gold ETFs. Links: Blake's Backtest: Unleveraged TQQQ (portfoliotree.com) Blake's Article: ⚠️ Leveraged ETFs ⚠️. Why They Sell Themselves Short | by ETF_Guy | Ja…
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Episode 316: Musings On Inflation, Gambling Problems And Private Real Estate Funds And Portfolio Reviews As Of February 2, 2024
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In this episode we answer emails from Matthew, Matthew and Matthew. Our development has apparently been arrested. We discuss basic principles and economic history pertaining to inflation, a levered accumulation portfolio and why private real estate platforms are largely just a "meh" kind of investment. And THEN we our go through our weekly portfoli…
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Episode 315: Cognitive Biases Surrounding Long-Term Care And Rational Approaches, Assorted Portfolio Alternatives and GOOOLD!
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In this episode we answer emails from Paulo, Phil, and Visitor 5858. We discuss cognitive biases in the context of long-term care and unexpected medical expenses, follow ups on Episodes 307 and 308, David Stein's "garden approach" to investing, and what the purpose of gold is in a diversified portfolio. And talk about our recent vacation in Peru. L…
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Episode 314: Various Forays In Portfolio Visualizer, Rebalancing Timing Issues And The Holiday Road
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In this episode we answer emails from Paul, Greg and Stuart. We discuss various portfolio visualizer analyses, correlations, Sharpe and Sortino ratios and issues pertaining to rebalancing. Links; Paul's Truncated Analysis: https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&sl=3fTid2mNzw2PPRhYmjAGGz Longer Analysis with More Dat…
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The year 2023 brought incremental gains at the top for women overall but not for women of color. Women in middle management also lost ground, leaving open the question of whether gains at the top were a passing fancy. Join us to discuss 2023 challenges as well as solutions.Cathy Nestrick
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Episode 313: Montecarlo Simulations, Accumulation Portfolios, Dr. Who, And Portfolio Reviews As Of January 12, 2024
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In this episode we answer emails from Mr. Klingon, Bob, MyContactInfo, and Ralph. We discuss the Macro-Allocation Principle and Accumulation Portfolios, using a value-tilt for decumulation, the ins and outs of Monte Carlo simulations, Dr. Who and using gold in an accumulation portfolio. And THEN we our go through our weekly portfolio reviews of the…
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Episode 312: Financial "Experts", US Dollar And Debt And Correlations (Oh My!), Portfolio Income And Total Returns, And Managed Futures In A Golden Ratio Portfolio
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In this episode we answer emails from Allison, Kenny and Steve. We discuss the methods and madnesses of financial media and the industry, modeling financial "experts" as hedgehogs and foxes, US dollars and debt, and correlations between treasury bonds and stocks, why portfolio income is just part of total returns and is not special, and incorporati…
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Episode 311: Portfolio Visualizer Data, Switching Allocations, Managed Futures ETFs, Bluto, EconoMe And Portfolio Reviews As Of January 5, 2024
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In this episode we answer emails from Kyle, Andy, Eric and Bluto. We discuss datasets at Portfolio Visualizer, guidelines for making allocation changes in a portfolio generallly and with managed futures, managed futures funds DBMF, KMLM and CTA and distribution issues, and EconoMe Conference 2024. And THEN we our go through our weekly portfolio rev…
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In this episode we do our annual portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio and compare them with various commercial reference portfolios. And entertain a four-year old child and our adult offspring. Support the showFrank Vasquez
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Episode 309: Shifting Allocation Strategies, Preferred Shares, Correlation Issues And Principles -- And High Jinks!
44:34
In this episode we answer emails from Slippery Steve, Keith, Brian, and Kyle. We discuss a momentum allocation strategy called "the 12% Solution" and complex allocation strategies in general, preferred shares and preferred shares funds, notions about correlations from Rick Ferri's All About Asset Allocation book (pub. 2005 and 2010), putting the Si…
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In this rather short episode we answer emails from Ralph, Scott, Eric, the Mysterious Visitor 9575, and Steven. We discuss my recent absence and predilections for silliness, a recent podcast from the Inflation Guy about safe withdrawal rates and coming updates to the website. Links: Inflation Guy Podcast Episode: Ep. 92: Safe Withdrawal Rates - Acc…
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Episode 307: A Panoply Of Holiday Topics, The Reinfather And Portfolio Reviews As Of December 22, 2023
37:55
In this episode we answer emails from Keith, Pete and Tim. We discuss developments in factor-based investing, portfolio transitions, RMDs, the recent Cederburg paper (again) and what goes on Down Under. And another visit from Lee-roy Jenkins. And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Port…
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In this episode we answer emails from Jenzo, Priah and Matt. We discuss a levered portfolio and tracking errors, the limitation of Scott Cederburg's latest academic paper, bootstrapping -- what it is and how it works --, what "blend" means in factor-speak, and some pitfalls with Portfolio Visualizer's datasets, And also the upcoming EconoMe Confere…
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Episode 305: The Mac Daddy's Back With Portfolio Analysis, More Cowbell, And Portfolio Reviews As Of December 15, 2023
41:21
In this episode we return from hiatus to answer emails from Popeye, Clint and Mr. Klingon. We discuss a JP Morgan report, giving to the Father McKenna Center, adventures with a bad planner-provided portfolio and how to fix it, and that cowbell known as small cap value. And THEN we our go through our weekly portfolio reviews of the seven sample port…
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Episode 304: Catching Up To Pinwheels, The F Fund And Wealthfront And Portfolio Reviews As Of November 17, 2023
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In this episode we answer emails from Visitor 5970, Frank, Alexi (a/k/a "the Dude") and Paul. We discuss the bond funds in the TSP, the Catching Up To FI podcast, Wealthfront's atrocious attempt at a risk parity fund and the Pinwheel Portfolio. And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Po…
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Episode 303: Personal Capital/Empower Extraction, Gold & Silver ETFs, Killing Kenny And Portfolio Reviews As Of November 10, 2023
43:11
In this episode we answer emails from Steve, Jeff and Kenny. We discuss the complex foibles of Empower/Personal Capital portfolios and transitioning them. investing in gold and silver and tax treatments, and using the Vanguard Wellesley Fund as a model for very conservative investors. And THEN we our go through our weekly portfolio reviews of the s…
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Join us for a discussion with Blessing Adesiyan who entered corporate American with a baby in her arms, literally. She shares her nuggets about creating a care infrastructure for workers at all levels and how businesses can best adapt in this new post-COVID landscape. As Blessing says, we're not going back to how it was before. In this new reality,…
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Episode 302: Bond Speculations, Golden Ratios, Fighting For Iowa Farmland And Portfolio Reviews As Of November 3, 2023
37:29
In this episode we answer emails from William, Tyler and Builderman. We discuss making changes in treasury bond fund allocations and the foibles of interest rate crystal balls, using the Portfolio Visualizer Monte Carlo simulator to model Golden Ratio style portfolios and musings about Iowa farmland and other family dynasty-type investments. And we…
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Episode 301: CAOS and Calculators and Bonds, Oh My! And Portfolio Reviews As Of October 27, 2023
32:43
In this episode we answer emails from Alexi (a/k/a "the Dude"), MyContactInfo and James. We discuss a couple new ETFs, CAOS and AHLT, follow up on earlier discussions about retirement calculators and investing in long term treasury bonds (VGLT and EDV). And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can f…
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Episode 300: Where Its At With The Infernal JEPI And Musings About Gold And Portfolio Visualizer
28:42
In this episode we answer emails from Mark, Mark and Cody. We discuss what first Mark learned by investigating JEPI, the history of investing in gold over the past 100 years and how that may affect the data, and potential data limitations in Portfolio Visualizer on very long Monte Carlo simulations. Bonus Links: The Mysterious London Gold Pool: Lon…
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Episode 299: Modeling Iowa Farmland, Cash Is No Longer Trash (Apparently), And Venture Capital Foibles
36:21
In this episode we answer questions from BuilderMan, Drew and MyContactInfo. We discuss how to incorporate farmland and other illiquid, income-producing assets in retirement expense planning, the perilous process of trying to manage a portfolio based on expert picks -- here, Ray Dalio -- and why venture capital may not be so smart. And then we disc…
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Episode 298: Coffee Is For Closers, Musings About Golden Ratio Portfolios And Buy-Write Funds, And Portfolio Reviews As Of October 13, 2023
36:56
In this episode we answer questions from Jeff, Geordi and Eames. We discuss wrangling with a Fidelity advisors and assorted salespeople, the difference between naïve or static portfolio construction versus using crystal balls for that purpose, a modified Golden Ratio-style portfolio, the pitfalls of buy-write funds like JEPI and BALI and a small is…
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Diversity, Equity, and Inclusion efforts surged in 2020, but are now experiencing headwinds. Carrie Fletcher, leadership and strategy consultant, joins us to discuss how and why DEI initiatives falter, the critical role of men, and the need to address the elephant in the room which asks "what's in it for me"?…
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Episode 297: Common Foibles Of Retirement Calculators, Contribution Considerations And Our Favorite Whipping Boy
30:04
In this episode we answer emails from MyContactInfo, Kyle and Eric. We discuss the pitfalls of retirement tools with help from Newman, Bob Ross and a contribution question and our old semi-nemesis, TIPS. Link: Bill Bernstein TIPS Ladder Article: Riskless at Age 104 - Articles - Advisor Perspectives Support the show…
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Episode 296: Thinking About Data Sets and Portfolio Selection, Donor Advised Funds And Portfolio Reviews As Of October 6, 2023
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In this episode we answer emails from Dave and Kanembou (from Chad). We discuss the ins and outs of various data sets (as opposed to crystal balls), choosing a portfolio based on aggressiveness or conservativeness, related safe withdrawal rate issues and Donor Advised Funds. And THEN we our go through our weekly portfolio reviews of the seven sampl…
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Episode 295: Meta-Ideas About Portfolios, Withdrawal Strategies, Worthy Stuff To Do, And International Taxation And Fad ETFs
35:00
In this jam-packed episode we answer questions from Luke, Ethan, and Garry. We discuss a modified Golden Butterfly portfolio, some meta-withdrawal strategy ideas and concepts, a process for deciding what to do with oneself, small-cap vs. small-cap value investments, some esoteric international tax issues and the new QQQY gambling problem fund. And …
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Episode 294: An Exquisite Dissection Of The "Four Percent Rule" And Portfolio Reviews As Of September 29, 2023
46:43
In this episode we answer an email from Jeffrey about the "4% Rule". We discuss its origins, its three parameters (portfolio construction, time frame, and withdrawal mechanism), how it works, what it means and doesn't mean, its uses and misuses and how to make adjustments to improve your own outcomes. And THEN we our go through our weekly portfolio…
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Episode 293: Property & Casualty Investing, RPC, Brokerage Thoughts and Assorted Advanced Portfolio Constructions
35:58
In this episode we answer emails from Brown, Justin, MyContactInfo and an Anonymous Trending Value Investor. We discuss investing in baskets of property & casualty insurance companies for effective diversification, what's happening at Risk Parity Chronicles, general thoughts about brokerages for DIY investors and an assortment of leveraged momentum…
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In this episode we answer emails from Owen, Jeff and Will. We discuss the commonly believed misinformation about TIPS, the ins and outs of quality dogs and investing principles, and talk about backtesting data and how it is used and misused. And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portf…
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