How Do You Protect Your Portfolio as You Near Retirement? (FQF)
90K views · Jan 23, 2026 · Education
Comments · 130
@RescueDiver805 · 8 months ago
I fired my advisor when he had me in funds over 1% and way down and I was paying him 1%. I do it myself now. Have learned a lot on YouTube over the last year.
129
@jaymetheaccountant · 8 months ago
FQF IS the finest quality retirement content on the internet tm well done Rob
49
@rhodanstarshiptitanic1194 · 8 months ago
Love the five question Fridays: a highlight of my week. I'll throw in a thumbs up for the newsletter as well.<br>Isn't a bond tent essentially a bucket strategy?
18
@kcuhcrefahcs702 · 5 months ago
I am 10 years from retirement and new to figuring out this investing thing! I must say i have learned so much in a short period of time, thanks to YouTube and AI, that i already feel confident in my future. I had been wondering about a financial advisor, and what i have heard and read has confirmed my thoughts. I DO like the option of a once in a while let a person look over things to confirm what I see. Thank you Rob and other commentors, for your financial insight!!
4
@Tvlbug3587 · 8 months ago
Another great FQF! Thank you, Rob!
16
@stevekeegan2903 · 8 months ago
The bond tent sounds similar to the "rising equity glide path" that Pfau mentions
4
@Cross-xm2fr · 8 months ago
I use vtv to diversify from mag 7
11
@Jamie-kb5sl · 8 months ago
Very helpful questions (to me 😆) this week. Thank you!!
8
@donanderson88 · 8 months ago (edited)
Hi Rob in your yesterday's newsletter you take aim at Die with Zero, suggesting it's "one of the worst personal finance books" you've read. Given it has somehow become the defacto go-to resource for the FIRE movement and many would-be retirees, would love to hear more from you on this/your opinion, perhaps in your live show?
5
@warsurplus · 8 months ago
I like the new on-screen graphics. Nice work.
2
@MT-sq3jo · 8 months ago
One option for the first question about concerns of prolong bear market at the early years in retirement - I would be investing conservatively at the start of retirement, like 40% stocks, 20% bond fund like BND, and 40% individual bond 10-year ladders (4% matures in year 1, another 4% in year 2, etc). This way, the first 10 years his expense will be guaranteed to be funded. If stocks sink during the first 10 years, don’t sell any stocks. If stocks rise in those 10 years, let the asset allocation drifts towards more aggresive and follow a reverse guide-path until you reach back to 60/40 or even 70/30, the original allocation he felt comfortable with at age 48. This rise in stock allocation will address the concern of growing and beating inflation over time.
14
@bobbyrlg · 8 months ago
Thanks for answering my question. Loved the answer
1
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