Episode #9: The 60/40 Portfolio

The 60/40 rule suggests investors should put 60 percent of their portfolio in stocks and 40 percent in bonds. Sean weighs the merits of this rule of thumb.

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The View From The Pinnacle

The 60/40 rule suggests investors should put 60 percent of their portfolio in stocks and 40 percent in bonds. Sean weighs the merits of this rule of thumb.

Thing’s You’ll Learn Along Today’s Journey

[00:44] – A recent CNBC article claims the 60/40 rule is burning investors. Furthermore, recent volatility already has investors on edge.

[1:30] – We haven’t had a year of market decline since 2008. As a result, it’s easy to forget the market does correct from time to time. The recent volatility serves as a good reminder.

[2:55] – A 60/40 portfolio is thought to properly diversify your investments between stocks and bonds. In turn, the 60/40 portfolio is thought to help alleviate your amount of risk exposure. However, it’s a rule of thumb, and as such, it’s not without it’s weaknesses.

4:25 – From 1938 to 1948, if you’d had a 60/40 portfolio, you would’ve lost money. Over that ten year period, savers got penalized for investing.

6:45 – Both stocks and bonds have traditionally struggled during times of inflation. The aforementioned 10-year window saw a surge in inflation during that period.

7:54 – Please don’t hear us saying both the bond and stock markets are about to tank. After all, we can’t predict the future. Instead, use this volatility as a wake up call to assess your investments. Determine how much risk is in your portfolio, and reallocate your investments accordingly.

8:40 – There are alternatives to bonds. Gold, cash, and fixed annuities all help to mitigate your risk exposure.

12:10 – Fixed insurance products and CDs are your safest bet to protect your wealth. You won’t earn much on your investment, but you also won’t lose it.  

Looking Back From The Mountaintop

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For over a decade, Sean Lee has helped families reach and maintain their financial goals. As a trusted advisor, he coaches and assists his clients with their financial goals by focusing on the fundamentals and takes a practical and personal approach when working with them.

As a trusted professional in Utah, Sean has been featured in The Wall Street Journal’s Market Watch, The Deseret News, The Salt Lake Tribune and USA Today. He has also been featured as a local financial advisor on Utah’s NBC station, KSL 5.

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