Money for The Rest of Us

Investment help and financial guidance for the rest of us.

  • Podcast
  • Guides
        • Asset Classes

        • A Complete Guide to Investing in I Bonds and TIPS (2025)
        • A Complete Guide to Equity REIT Investing
        • A Complete Guide to Mortgage REIT Investing
        • A Complete Guide to Investing in Gold
        • A Complete Guide To Investing In Convertible Bonds
        • Investing in Bitcoin, Oil, and Volatility ETFs
        • Carbon Investing and its Effect on Climate Change
        • Farmland Investing
        • The Opportunity and Risk of Frontier Markets
        • Investment Vehicles

        • A Complete Guide to Investment Vehicles
        • How to Invest in Closed-End Funds
        • What Are SPACs and Should You Invest in Them?
        • Money and Economics

        • A Complete Guide to Understanding and Protecting Against Inflation
        • Understanding Web3 Investing
        • Strategy

        • Why You Should Rebalance Your Portfolio
        • What Is Risk vs Uncertainty?
        • Tail Events and Tail Risk
  • Resources
        • General Resources

        • Topic Index
        • Glossary
        • Most Influential Books
        • Member Tools

        • Member - Getting Started Guide
        • Asset Allocation and Portfolio Tools
        • Current Investment Strategy Report
        • All Investment Conditions Reports
        • Strategic and Adaptive Model Portfolios
        • Member Tools and Downloads
        • Member Resources

        • Plus Premium Episodes
        • Submit A Question to the Plus Podcast
        • Member Forums
        • David’s Current Portfolio
        • David's Portfolio Trades
        • Courses

        • Investing in Closed-End Funds
  • Members
  • Join
  • Log In
You are here: Home / Archives for asset allocation

318 Plus: How to Select and Implement a New Portfolio Mix

October 24, 2020 by David Stein · Updated April 29, 2021

In Plus episode 318, we briefly discuss the purpose behind adding 16 new video lessons to the site in 2020. We also share the audio for a new video lesson on portfolio implementation including a discussion on categorizing existing portfolios, asset location between taxable and tax-deferred accounts, selling taxable assets and the timing of portfolio transitions. … [Read more...]

Filed Under: Uncategorized Tagged With: asset allocation, asset location, portfolio transition

313: No One Is Entirely a Buy and Hold Investor

September 9, 2020 by David Stein · Updated September 1, 2021

What are the numerous decisions individuals have to make in managing their investment portfolios. Topics covered include: Why individual investors should invest like family offices and university endowments in order to build and preserve wealthWhy even buy and hold investors make portfolio changesWhat are examples of the numerous decisions individuals have to make in overseeing their investment portfoliosHow badly have value stocks underperformed growth stocksHow our mindset should … [Read more...]

Filed Under: Podcast Tagged With: asset allocation, buy-and-hold, investment philosophy, investment styles, investment vehicles, private capital, regret

306: Three Approaches to Asset Allocation

July 22, 2020 by David Stein · Updated February 1, 2023

What are the three primary ways to allocate assets and build a portfolio when saving for retirement or living in retirement. Topics covered include How saving for retirement and living in retirement differ. What are the expected return and risk of the Permanent, Golden Butterfly, and All Season portfolios. What are the pros and cons of a role-based permanent portfolio. What are the pros and cons of a strategic portfolio mix, such as the Bogleheads Three Fund Portfolio What … [Read more...]

Filed Under: Podcast Tagged With: adaptive asset allocation, asset allocation, asset garden, complexity, permanent portfolios, retirement, retirement savings, retirement spending, role-based portfolios, simplicity, strategic portfolios

297 Plus: May 2020 Investment Conditions and Portfolio Review

May 8, 2020 by David Stein · Updated April 29, 2021

In Plus episode 297 for the week of May 8, 2020, we review the latest economic trends, market valuations and market internals. We review the intrinsic value of stocks, why they historically have declined during recessions and why stocks may be acting differently during the current global recession. Finally, we review the criteria for when the allocation to stocks would be increased in the Money For the Rest of Us Plus model portfolios. … [Read more...]

Filed Under: Uncategorized Tagged With: asset allocation, bank lending, central bank insolvency, currency devaluation, diversification, savings

275: Are You Over Diversified?

October 30, 2019 by David Stein · Updated September 13, 2022

Is it possible to be too diversified in your investment portfolio and how can you tell? Why Warren Buffet thinks diversification is protection against ignorance. In this podcast episode you’ll learn: The skills you need to be able to select individual stocks.How have active managers outperformed relative to passive indexing products.How much diversification is too much and a test to determine if one is over diversified.What is factor investing and which factors have worked over … [Read more...]

Filed Under: Podcast Tagged With: asset allocation, Buffett (Warren), carry, diversification, factor investing, momentum investing, value investing

274: 10 Questions to Master Successful Investing

October 23, 2019 by David Stein · Updated May 20, 2021

What are the timeless principles we can follow in order to become better investors? In this podcast episode you’ll learn: How a book's permanence makes it different from a podcast.How David's book got written and published and why his publisher just recalled the hardcover version of the book.What are the 10 questions we should answer before we invest in anything. Show Notes Money for the Rest of Us book Thinking in Bets: Making Smarter Decisions When You Don't … [Read more...]

Filed Under: Podcast Tagged With: asset allocation, investing rules, rules of thumb

229: Stop Maximizing Your Returns Using Modern Portfolio Theory

November 7, 2018 by David Stein · Updated May 26, 2021

Why modern portfolio theory is a defective way to build out an investment portfolio. This episode explains a better approach to asset allocation. In this episode you’ll learn: What are the inputs needed to compile an asset allocation using modern portfolio theory.What are the defects with modern portfolio theory.Why we should be minimizing our maximum regret rather than maximizing our returns.A more flexible approach to asset allocation that isn't reliant on modern … [Read more...]

Filed Under: Money Plus, Podcast Tagged With: asset allocation, asset allocation assumptions, expected returns, Hunt (Ben), investing rules, modern portfolio theory, MPT, rules of thumb, tail events, tail risk

201: Is Your Portfolio Unbalanced?

April 18, 2018 by David Stein · Updated May 27, 2021

Why most conventional portfolios make huge and often unintended bets on the stock market. How role-based investing can lead to a more balanced portfolio. Photo by Mangrove Mike In this episode you’ll learn: Why asset class returns and volatility are driven by changing expectations.How most investors are making a huge bet in stocks even though they might not be aware of it.The benefit and challenges of holding assets that perform well during various economic regimes.Why … [Read more...]

Filed Under: Podcast Tagged With: all weather portfolio, asset allocation, Dalio (Ray), expected returns, FAANG stocks, historical returns, interest rates, portfolio construction, Shahidi (Alex)

193 Plus: Pensions, Bankruptcy Risk and Speculation

February 24, 2018 by David Stein · Updated July 17, 2023

This week February 24, 2018 on Money For the Rest of Us Plus, we clarify the importance of understanding a pension's funding status before choosing the pension via a lump sum payment. We also clarify the risk of investing in crowdfunding platforms in the case of bankruptcy. We explore how investments with positive expected returns can be speculative for individuals and how to manage that speculative risk. Finally, we discuss asset allocation for accounts designated for children. … [Read more...]

Filed Under: Uncategorized Tagged With: asset allocation, bankruptcy, children, crowdfunding, PeerStreet, speculations

180: Can You Outperform Harvard’s Endowment?

November 8, 2017 by David Stein · Updated August 13, 2021

Why have college endowments underperformed a simple three fund Vanguard portfolio? Should you mirror a simple two or three fund portfolio or invest more like an endowment with multiple asset classes? Photo by Bill Badzo In this episode you’ll learn: How have college endowments underperformed a simple three Vanguard fund portfolio.What's the difference between time weighted and dollar weighted returns.Why are college endowments shifting more of their portfolios to alternative … [Read more...]

Filed Under: Podcast Tagged With: alternative investments, asset allocation, Bogle portfolio, dollar-weighted returns, endowment funds, Portfolio Visualizer

  • « Previous Page
  • 1
  • 2
  • 3
  • 4
  • 5
  • Next Page »

Contact | Team | Topic Index


Darby Creek Advisors LLC
P.O. Box 68544 • Tucson, AZ • 85737

Copyright © 2025 • Disclosures, Privacy Policy, and Cookie Policy • Site by Tempora

Manage Cookie Consent

We use cookies to optimize our website, marketing, and services. 

Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage {vendor_count} vendors Read more about these purposes
View preferences
{title} {title} {title}
Manage Cookie Consent
We use cookies to optimize our website, marketing, and services. We never sell users' data.
Functional Always active
The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.
Preferences
The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.
Statistics
The technical storage or access that is used exclusively for statistical purposes. The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.
Marketing
The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.
Manage options Manage services Manage {vendor_count} vendors Read more about these purposes
View preferences
{title} {title} {title}