How to Build a Forever Portfolio With Rob Berger

In this episode of the Personal Finance Podcast, we are going to talk to Rob Berger about how to build your forever portfolio.
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[@paulciccarello661]

Rob is the greatest non financial advisor...advisor!

[@learning.finances]

Great chat with Rob. I have watched many of Rob's videos and have learned a great deal from him. It is awesome there are people like him and you Andrew that share you financial knowledge without trying to sell me something :)

[@timgoodwin7285]

First time watching you. Very thoughtful. Keep it up.

[@sheilatorres1908]

Terrific interview. Thank you.

[@couldbe8348]

This is pure 🔥 frat questions and good good stuff

[@USMCAllTheWay]

Rob Berger, Josh Scandlen, James Canole, and of course Dave Ramsey have been absolute rock stars in changing the financial lives of so many, including me. Thanks for all that you do!

[@davidk6498]

Do not take financial advice from Douche bag Dave Ramsey please don’t the others are fine😊

[@stiffeification]

Dave Ramsey gives shit investing advice though

[@METVWETV]

​@stiffeification Lousy Terrible Uninformed Stupid Dumb Bad or if you Must..... Crappy!!! But $ĥî+.....Really?! HAVE A LITTLE CLASS!

[@joemyers]

Well done guys!

[@mastermoneyco]

Thanks!

[@victorm.perezmora2624]

Excellent podcast.

[@mastermoneyco]

Thanks for listening

[@carolynvo7802]

I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Natalie Strayer.

[@erikyanez5371]

I'm surprised that you just mentioned Natalie Strayer here also Didn’t know she has been good to so many people too this is wonderful, i'm in my fifth trade with her and it has been super.

[@Rodriguezpaul-9]

The very first time we tried, we invested $2000 and after a week, we received $9500. That really helped us a lot to pay up our bills.

[@Charlottehornets4]

Natalie Strayer has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's

[@Jessecote875]

I'm new at this, please how can I reach her?

[@Josephbasta827]

After I raised up to 125k trading with her I bought a new House and a car here in the states also paid for my son's surgery Glory to God shalom.

[@NameWithheld-nm1es]

Great interview! After listening to this, I am wondering, if you have money in Wellington Fund ( approximately 33% bonds) would you include that 33% portion as part of your bond allocation when working the percentages?

[@john346x7]

In my opinion, yes. 33% of your Wellington portfolio should be counted toward your bond allocation.

[@TheBigXav]

Yes

[@METVWETV]

It's not opinion.... It's an Absolute OF COURSE! WHY WOULDN’T YOU?! People get weird with money. They think that if it's in one pile or another it doesn't really count. It does.....

[@HamiltonRb]

Am curious what you think of an etf HPYT, which is a covered call etf on US treasuries, for your fixed income portion, presently paying over 10% yield?

[@joyridle]

What was Rob's book that he liked? The first one. Didn't catch the name. Thanks, Joyce

[@learning.finances]

Charlie Munger's Almanac, the second was Your Money or Your Life by Joe and Vicki

[@borisgurevich3237]

I wonder how a 5 year CD ladder compares return wise to the bond abd cash allocation described.

[@ArthurDentZaphodBeeb]

Well, depends if it was before or after the 2022 bond debacle?

[@markbernhardt6281]

On Robs channel he says when rates drop we are probably not going to time it right. So he's riding out his personal portfolio in bond funds.

[@i-postm4943]

My 5-year individual bond ladder is nearly complete! I love it because unlike bond funds and cash, the yield is locked in. That's assuming I hold them until the due dates. Also, if the market goes down and stays down, I'll feel much better knowing at least I have this chunk of certainty as I enter retirement. In addition to equity funds, my portfolio also has a small bond fund in my 457 plan and money market funds. The latter is for emergencies.

[@OpaG]

I enjoyed this episode, gentlemen!

[@mastermoneyco]

Glad you enjoyed it!

[@duneme]

What about a portfolio of Rental Houses and stocks? I own enough Rental Houses to provide me my monthly Income (from Rents) and the Stocks add my aggressive growth!

[@mastermoneyco]

Love it!

[@johnadair6108]

I honestly do not understand the love affair with bonds with regard to long-term safety. It is clear when running Monte Carlo simulations the failure rate of a retirement portfolio increases proportionally with a higher percentage of bonds. Inflation is the real boogie man. As 2022 showed there are times when bonds are really not the safe haven they are purported to be. Lose/lose

[@ArthurDentZaphodBeeb]

Before 2022, I'd 110% agree. I'd roll my eyes everytime some 'expert' yammered on about having bonds as some sort of safe asset. But it's easy to see why bonds were touted - there was a 40 year bull run in bonds as interest rates ground ever-lower to almost zero. When interest rates popped, bonds got crushed. That said, for the first time in decades, I think bonds are a worthwhile investment - rates are bound to drop and you should see nice gains.

[@jakepapa6516]

If you're living off of portfolio, cash for volatility has to grow somehow... like... I wouldn't do a long term bond fund as safety lol. But short term tbills and the like are fine.

[@_emh]

Interesting. What asset class would you prefer instead of bonds to protect against sequence-of-returns risk during the first decade of retirement?

[@edsteadham4085]

Tips

[@georgetorres4158]

What are tips? ​@@edsteadham4085