Retirement Expert: How I Actually Build A $2M Portfolio

Comments · 7

• RO

  @RodneshaRichardson · 10 months ago

  Thank you for inviting me. I hope to study more.

• FP

  @fpartidafpartida · 9 months ago

  Eric, this is one of your most underrated videos.  Not cookie cutter material that all other channels cover, yet you were not rewarded for the content in number of views 😢 (or actually I have no idea what a “good” number of views is for “boring” financial topics like these 😂).

• JO

  @johnkanagaraj6988 · 1 year ago

  An excellent way to think about Risk. You totally reset my understanding of Risk in an Investment/Retirement portfolio

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• RA

  @RaisingAwesome · 1 year ago

  Another great video. One plus for bonds: if you target Par value in your calculations versus market value, then you don&apos;t worry about guard rails. &nbsp;It makes for a peaceful retirement. &nbsp;However, that Vanguard fund you showed definitely points ought how &quot;junky&quot; those funds get. &nbsp;In turn, US Treasuries at 4.6% right now look very, very good for anyone in the red zone, particularly during a Fed phase of lower rate targets. &nbsp;Funds just complicate and add risk versus getting AAA bonds. &nbsp;And, yes, 4.6% doesn&apos;t sound like it could keep up with inflation. &nbsp;That&apos;s because the industry has conditioned us to think that way. &nbsp;It doesn&apos;t keep up <i>only</i> if you don&apos;t have enough principle to start. &nbsp;That would happen with 20% returns if you didn&apos;t save enough before you cut off your paycheck.

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• LI

  @lindsaynewell6319 · 1 year ago

  I like the approach and the example at <a href="https://www.youtube.com/watch?v=eoNeDAS2dKk&amp;t=840">14:00</a> from 2022. FYI Boldin doesn&apos;t do anything with asset allocation - the user tells Boldin the expected rate of return (Pessimistic and Optimistic, Average is calculated from this) for each account that is included in the plan.

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• CW

  @CW-ez7mn · 1 year ago

  One thing that throws me is most financial advisors use the assumption of 8% growth on the entire portfolio to justify the 4-6% spending! &nbsp;Unless it’s 100% in moderate to high risk equities and at start of bull market with little or no inflations, think that is overly optimistic. &nbsp;I have few friends retiring around ~12 years ago and their portfolio almost double while they were withdrawing from it but they are consider “affluent” so they can have 90+% in the market because they have pensions and rental estate plus other assets and are fine even if market crashes.

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• MI

  @mikeskaggs3763 · 1 year ago

  Boldin does not &quot;pull in data&quot; as you state, but rather require the user to state a RoR &nbsp;for each retirement account.

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