Presentation by Craig Israelsen, PhD, Brigham Young University at Financial Symposium IV. The symposium was held on April 25, 2012 at the University of Missouri. ,
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Asset Allocation: Building a Better Balanced Portfolio (Personal Finance Symposium IV – 2012)
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Asset Allocation: Building a Better Balanced Portfolio (Personal Finance Symposium IV – 2012)
asset g finance
आप हमारी वेबसाइट पर केवल ऑनलाइन पैसे कमाने के तरीकों के बारे में सबसे पूर्ण और विस्तृत जानकारी देख सकते हैं: यहाँ और देखें
आप हमारी वेबसाइट पर केवल ऑनलाइन पैसे कमाने के तरीकों के बारे में सबसे पूर्ण और विस्तृत जानकारी देख सकते हैं: यहाँ और देखें
27 comments
If you want to maximize your retirement savings, get started today! Don't wait for the right time to save and invest later, because the time to invest is now.
Wow – didn't realise commodities were so volatile.
Equity : US/ Non-US(EU, Asia), Real Estate
Commodity: General Commodity, Gold
Bond: Govt bond, IL bonds, Non-US bonds
Cash
I can understand the logic in owning all the suggested asset classes, but I question the logic of having equal amounts in each. Only 8% in domestic large caps ???
What happens if someone reches a stage in life when they cannot continue working because either they can't get s job or aren't able to continue working because of health reasons, like repetitive strain etc
This is the best portfolio management video I have ever came across. Thank you for this video.
god damn dude's tie is yuge
i'm 20 mins in. is the message at the end "buy things other than the SP500"?
Great video.
Start at 4:26
great presentation. My concern is that all of this data is collected over a time period where Fed Fund Rates went from 9% in 1970 to a high of 19% in 1981 to basically 0% now.
Imagine what the next 40 years will look like as rates go back up to the historical mean or worse, back to the same high. We will see a collapse in bond prices and real estate performance.
since I got to understand how trading works better. I follow these general simply rules and this has worked amazing for me. Diversify, dollar or pounds cost averaging investing method, portfolio re-balance every quarter and I’ve found a mix of managed and index funds has worked out the best for me.
A diversified, future-looking portfolio can set you up to have guaranteed income in retirement. It all starts with identifying your goals and getting clear about your finances.
The implicit assumption here is that what was true in the past will also prove to be true in the future. Hindsight is always 20/20 but sadly economics has no predictive power whatsoever or there simply wouldn't be economic crisis'.
It's doubtful whether US stocks will continue to do as well in the future as before (the high Shiller PE makes the opposite more likely) and whether high bond yields will ever return. Monetary policy now is to simply lower the interest rate and buy financial assets whenever there's a problem in the stock market or the economy at large.
I would not advise to buy bonds or hold a large amount of cash in these circumstances. Regardless of what this model says.
I don't doubt the value of diversification (human error alone makes it a necessity) but I'm wondering whether it's not wiser to diversify globally for the majority of the portfolio and for the rest buy whatever is cheapest in terms of stocks/ETF's (countries and sectors) instead of buying what is expensive now simply because this (or any other) model says it worked in the past. I very much doubt it will stand up to the test of time but who I am?
Successes in trading vary as a result of either both or one of the following two things:
1. The exposure of the successful trader goes way beyond that of the average trader
2. The presence of a good manager facilitates trade and minimizes loss of investments. thanks to ROMERO PIETO for bringing me back to life based on trading such a good man he makes me returns after one month of trading
.
"We all stare at 2008. It's like Waterloo." lol!
Hahaha, coming here 8 yrs after since uploading this video and amidst COVID CRISIS.. And not only me doubtful about this "salsa" or "salad" portfolio, just like Garry said WHAT IF FACE THE GFC, this is it and OVER FOR THIS SALSA portfolio.🤣🤣🤣
So this type of portfolio is for teenage to 20s and 30s old young men? Come on, from 2020 of the COVID crisis, this portfolio overall will turn into very VERY BIG NEGATIVE GEAR TO DRIVE BACKWARD, IF lucky to be alive. Must modify this portfolio again or will become a slave of money WITHOUT MUCH THE REAL MEANINGS OF THE LIFE AND NO DIFFERENCE FROM SURVIVING……..GOOD LUCK……STF…..
is that arwin from suite life of zack and cody? lol jk. great video!
It should be fairly easy to calculate the optimal portfolio based on past data but that's hindsight. There simply is no guarantee whatsoever history will repeat itself and this portfolio will be effective for the future. Bonds for example will likely have a very low yield (if any) for the foreseeable future. It also contradicts the Trinity study on withdrawal rates for retirement which states a portfolio may have a maximum of 25% of fixed income in order to offer a sustainable withdrawl rate of 4%.
What's missing? Gold
This is a great lecture but there is one problem, this strategy assumes you are blind to the relative cheapness of various assets.
Why talk so much if you are going to allocate assets equally @ 8.33%. The trick is to get the Asset allocation such that it closely follows the Benchmark on the way up (+ve Co-relation) and moves opposite when the Index is going south (0 to -ve Co-relation). Basically, this post is just another Sales pitch for the 7Twelve, learnt a lot though…thanks 😉
why is he saying 100 percent cash has a 6 percent return? inflation doesnt count?
i had my money in the s and p 500 now i have no s and p and now have australian resources ! plus large cap value cap small cap europe, asia pacific, emerging markets!
What a gem
Vanguard is best.
wow you did a very good job sir