Can a 100% Stock Portfolio Improve the 4% Rule? Live Q&A

[@gizmobowen]

I'd 100% be interested in courses on NewRetirement and Withdrawal strategies. Those are both topics that I'd love to learn more about, especially from you.

[@missouri6014]

Rob I always look to you as the voice of reason because when extreme things are said by financial celebrity personalities, then you were able to articulate the good or the bad and the long range. And I think all of us appreciate your thoughts on any given subject, so I think you

[@bfrock01]

I second that comment and Go Tigers!

[@michaelmarks1391]

On the topic of Dave Ramsey, I learned a simple heuristic once I apply to anyone trying to get me to listen to what they have to say. If the source is either 1) dogmatic, or 2) belligerent when questioned, they are to be actively avoided. In my estimation, Ramsey does both. This has never steered me wrong. I would say that I've been along for the ride with you Rob since the early DR days, and you have yet to do either.

[@Username_CC_]

While not eye catching or thrilling per se, your show always employs reason and insight to keep a level head toward the future. Im 30 and trying to take the long easy road with index funds

[@lovethomassowell]

Thank you, Rob. I have learned so much from your content and the commenters.

[@willharris5562]

Dave’s safe withdrawal info sources: “trust me bro”. Very helpful advice coming from a guy who has never retired and will likely draw

[@erniekeller1093]

I'm 100% in stocks and use the "no percent" rule. Since dividends are all I take I'm not affected by upsy downsies like a "some percent" practitioner. There's a tradeoff because my portfolio doesn't grow as fast due the the amount of high yield stocks I own. My portfolio does follow the growth path of the S&P, just a little lower. I'm fine with that.

[@marym5631]

I'm 59yrs old and have been maxing my Roth for last 6 years. Have a Roth from 1998 . Small amount. I've been feeling the pressure to catch up and been keeping most investments 100% index stock funds. I can sleep at night since I have other income sources. Thnx for your sharing of info!!!

[@leesmith9299]

been tracking JEPI dividend for fun and jan to nov dividend per share is -22.43% this year than last. big adjustment in spending needed. i just hope that people using it to retire understand they need to re-invest a lot of the oversized dividend or just don't spend a lot of it for the downturn.

[@scubaharvey]

@rob_berger do you have any thoughts on using defined outcome ETFs instead of bond funds for reducing portfolio volatility?

[@AllisonSherman7]

With changes in the economy leading to instability in the stock market, some individuals may face a decrease in their investments in an effort to benefit from the current market conditions, I am considering liquidating my $725k portfolio consisting of bonds and stocks. Someone else in the same situation? Please tell me in the comments!..

[@MaryTongx]

would suggest you thoroughly evaluate the companies you have invested in and their estimated future performance, as we may expect to see the market decline further. To minimize stress and improve efficiency, it might be wise to seek the assistance of an investment advisor to help restructure your portfolio and identify any underperforming investments to offset. This approach has been successful for me and has reduced my stress levels.

[@AllisonSherman7]

@@MaryTongx I have been exploring the possibility of utilizing advisors to help navigate the stock market during these uncertain times. However, I am still evaluating their potential effectiveness in providing the support I need.

[@MaryTongx]

Christy Val D'souza is an esteemed coach known for her proficiency in her area of expertise. You probably might have come across her. I found her on a CNBC interview where she was featured and I reached out to her afterwards. She has since provided entry and exit points on the securities I focus on. You can carry out a quick internet research on her name for more info. I basically follow her market moves and haven’t regretted doing so... @@AllisonSherman7

[@AllisonSherman7]

@@MaryTongx I was considering changing my investment strategy and planning to sell certain positions. As my retirement is coming soon,I became increasingly stressed. After thoroughly researching Christy Valco D'souza on the internet, I concluded that I had made an informed decision. Thank you for this Pointer. She seems very proficient and flexible. I booked a call session with her too.

[@iLuvpizza418]

Thanks for all your content, Rob, much appreciated. I just subscribed to your newsletter, looking forward to it! I would sign up for a detailed course on NR. Any plans on when?

[@bfrock01]

Rob, enjoy the show and the and always learn something of interest. The CAGR example on returns on your question regarding how you wanted you returns was insightful. I had to prove it to myself that they weren't equal :). One comment on FI Calc vs Portfolio Visualizer (Monte Carlo Simulation). The reason why FICalc often gives a higher chance of success is that it runs back testing in order of returns sequentially by year. So if you use full history for 30 years you get 123 tests (starting in 1871). With Monte Carlo it takes the data (returns and variance) and puts into in distribution then runs scenarios randomly, so they are running 10,000 simulations per test which gives you much bigger tails on the results thus more failures. It really further proves your point above the sequence of returns can/does matter. That's my one request from Portfolio Visualizer is that I wish it went back further than 1972 at least on core assets. Anyway, I just wanted to point that out as it perplexed me for a while as I was starting to use each of those tools. Thanks again for all you do!

[@waynefawver1126]

Three years to retirement I plan to continue 50% VOO 50% VTI. You often say you prefer Diversity adding REITs, International, Small Cap and Bonds. Please compare any 15 yr cycle of the last 40 yrs using your ideal portfolio growth against the measurement standard S&P 500. How much compound growth have you lost by diversifying portfolio? Any 15yrs 1983-2023. Keep up the great work from a devoted 3 year fan.

[@70qq]

🤘 i love the new video ideas you mentioned and look forward to seeing them...thanks for all you do !

[@lisaross3051]

Very helpful - thank you

[@joelcorley3478]

RE: You comment about Ishares target date ETFs and mutual funds vs. ETFs in a 401(k). The 401(k) I have with my last employer holds ETFs. I actually have most of my holdings in a brokerage window where I buy whatever I want. Also solo-401(k) plans are often just tax advantaged trust wrappers on top of a conventional brokerage account. That's certainly how a solo-401(k) at Fidelity works. So it's definitely possible to hold ETF shares within a 401(k) account.

[@joelcorley3478]

Preferred stock ETFs usually aren't that good. There are a lot of gems among preferred stocks, but the duds drag the entire sector down.

[@MarkHenham]

good content

[@charliemassie1009]

You have much better investment advice then Dave Ramsey

[@jmc8076]

I rarely watch DR and disagree w/most views/values but thru his call ins (not all get thru) has offered good advice at times free to some in bad situations incl abusive. His 8% vs 4% rule got him alot of media attn. No bad press? FWIW fee only advisors in Cda are more restricted vs U.S and software too for creating/planning DIY portfolio. Edit: good doc/bio YT videos on key names in finance incl Larry Fink by Finaius.

[@disch972]

Compare the returns on jepi and voo on Portfolio Vis. and income.

[@godblessyou7376]

Yes, Rob, PLEASE make a video on rising equity glide paths!

[@chrisa.515]

They always say "Past performance is no guarantee of future returns" then they always reference those past returns whenever they are trying to prove a point. So which is it, do past returns matter or not?

[@hanwagu9967]

doing all these models and sims is interesting in all, because they spit out nice charts and graphs and allow for lots of machinations and prognostications; however, it directly contradicts the basic principle of investing: past performance cannot predict future performance. So, I find all this predictive analysis rather useless.

[@sambrown6178]

Does Dave Ramsey say anything about taxes when you are taking these large withdrawals?

[@Username_CC_]

Dave has no clue

[@hanwagu9967]

the 4% rule doesn't talk about taxes either. The baseline assumption on withdrawal rate is that you are accounting for taxes as part of your expenses.

[@Username_CC_]

@@hanwagu9967 yes you could be in likely the zero or 15% bracket so maybe you owe .6% in taxes but worse is health insurance fees by too high income

[@taxtrustsestates]

You can average 6 percent no problem. You just can’t take distributions in down years.

[@whatsupwithsteve]

If you have managed to accumulate a large nest egg you probably know how to live comfortably within your means. That should make anything over 4% or so moot as you don't need that much for your daily lives. Of course it depends on the size of your portfolio too. And if you want to leave anything meaningful to your heirs....or dogs if your heirs haven't earned it..:)

[@beachbum77762]

If you are married to the 4% rule you are really doing a disservice to your viewers. Ramsey does not say that the 8% should be adjusted for inflation. It's wrong in so many ways. It was referenced as a percentage that would work almost always and that's very true, but most people retire with far more than they retired with because it's way too conservative. One big thing is that peoples needs in retirement do not remain the same. You actually want to be able to spend more in the beginning to enjoy your life while you are still young enough. I'd be happy to debate this on your show, but you will lose the debate!!

[@alex182618]

Who cares about 1929 and 1971? It is ancient history.

[@haldriver1378]

You must be kidding???

[@brianmccorry9186]

“Those that fail to learn from history are doomed to repeat it.” - Churchill

[@hanwagu9967]

@@brianmccorry9186 or the first rule of investing is past performance is not indicative of future performance. The sims that say xyz about the future based on abc in the past is problematic. The fundamentals of the economy is far different today or 30 years from now than it was in 1929, 1971, etc.