Does the 60/40 Retirement Portfolio Still Work?
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The 60/40 portfolio has been a retirement planning staple for decades, but changing interest rates, strong equity markets, and difficult bond returns have caused plenty of investors to question whether it still works.
In this episode, Matt and Steve Paul explain why 60/40 can still be a useful starting point, but not necessarily the right answer for everyone. The bigger goal is to match the portfolio to the investor’s actual income needs, comfort with volatility, and ability to take risk.
Here’s what we discuss in this episode:
📊 60/40 Isn’t Dead: It can still serve a purpose
⚖️ Tolerance Isn’t Capacity: Comfort and ability differ
💵 Income Changes Risk: Guaranteed cash flow matters
📉 Bonds Still Have a Role: Higher yields change the equation
🔄 Rebalancing Matters: Strong stocks can quietly increase risk
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The information presented is not intended to constitute an investment recommendation for, or advice to, any specific person. By providing this information, Richard W. Paul & Associates, LLC is not undertaking to give advice in any fiduciary capacity within the meaning of ERISA, the Internal Revenue Code or any other regulatory framework. Financial professionals are responsible for evaluating investment risks independently and for exercising independent judgment in determining whether investments are appropriate for their clients.
This video is for educational and entertainment purposes only. No statements in this video made shall constitute tax, financial, legal or accounting advice. You should consult your own professionals on any such matters. Investment Advisory Services are offered through Richard W. Paul & Associates, LLC, an SEC registered investment advisor. Insurance Services offered through Midwest Financial Consultants, Inc.