The Rational Reminder Podcast

Episode 281: Lifecycle Asset Allocation, and Retiring Successfully with Justin King

21 snips
Nov 30, 2023
Guest
Justin King
Justin King, an expert in lifecycle asset allocation and retiring successfully, joins the show to discuss the optimal mix of assets in a portfolio, understanding risk tolerance, and the nine accelerators for a successful retirement. The hosts also delve into the tax implications of insurance policies in corporation ownership and the importance of actively preparing for a fulfilling retirement.
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INSIGHT

Government Pensions as Assets

  • Government pensions, like CPP in Canada, act as substantial, inflation-indexed assets.
  • Factor these into your overall asset allocation when considering a shift towards bonds.
INSIGHT

Mean Reversion and Long-Term Investing

  • A stock portfolio drop can be offset by increased expected returns over the long term.
  • This mean-reverting behavior is more relevant for multi-period investors than single-period investors.
INSIGHT

All-Stock Portfolio Performance

  • A 50/50 domestic/international stock portfolio outperforms target-date funds and balanced portfolios.
  • This holds true across various metrics including wealth accumulation, retirement consumption, and bequest amounts.
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