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I critique the popular investment strategy known as Risk Parity, noting that it is filled with misconceptions and inefficiencies. The author argues that recent performance has been disappointing, especially for retirees. Simplified portfolios, like a 75/25 stock-bond mix, are more robust. The post How to Lie with Personal Finance Part 4: Risk Parity appeared first on Early Retirement Now .
July 27, 2026 Welcome back to a new part of my Safe Withdrawal Rate Series. In my 10-year quest to study safe withdrawal strategies and find ways to hedge or at least alleviate Sequence of Return Risk, I ve come across a lot of purported solutions. Some actually work to at least some degree. For Continue reading Can we increase the Safe Withdrawal Rate with Risk Parity? – SWR Series Part 64 The…
June 5, 2026 Almost to the day, today, eight years ago, was my last day at work. One thing I always looked forward to in retirement was never having to pay those dreaded payroll taxes again. Alas, eight years into retirement, I ve picked up a few side gigs to stay involved and now run Continue reading Is Social Security a Ponzi Scheme? The post Is Social Security a Ponzi Scheme? appeared first on…
April 15, 2026 Welcome back to another post. This time, I want to do another economic update, which many readers seem to enjoy. Today s topic is whether the recent oil price shock, driven by Middle East geopolitical uncertainty, poses a threat to the U.S. economy. That risk is certainly pushed by the news and Continue reading Can an Oil Price Shock Derail the US Economy? The post Can an Oil Price…
January 30, 2026 Happy New Year, and welcome to a new installment of the Options Trading Series. I hope you had a peaceful Christmas break and a good start to the New Year. I certainly did; I took my family to South America, where we visited Argentina, then took an amazing cruise to the Continue reading Options Trading Series: Part 14 – Year 2025 Review The post Options Trading Series: Part 14 –…
December 10, 2025 Welcome to another post on the ERN blog. This is the third installment in the How to Lie with Personal Finance series (please also check out Parts 1 and 2). Part 4 is about Risk Parity. As always, this is not an instruction manual for deception, but precisely the opposite: it points out the Continue reading How to Lie with Personal Finance Part 3: Diversification The post How to…
November 19, 2025 Recently, there has been a lot of chatter about a policy proposal: the 50-Year Mortgage. The proposal received significant pushback from all corners of society. Almost the entire political spectrum agreed that this was a bad idea. It s rare these days that everyone agrees on something. So, I ve been sitting back Continue reading The 50-year mortgage is not as bad as we ve been…
November 12, 2025 Hello, readers! Welcome to another installment of the Safe Withdrawal Rate Series. Please see this landing page for an introduction to the Series and a summary of all the other parts so far. After a long hiatus from writing due to my busy travel schedule during the summer and lots of Continue reading Can we increase the Safe Withdrawal Rate with Momentum/Trend-Following? – SWR…
June 2, 2025 Welcome to another installment in my Safe Withdrawal Series. Please check the landing page for all posts so far. Today s topic is small-cap value (SCV) stocks and whether they should have a prominent role in retirement portfolios. Some financial experts recommend adding Small-Cap Value to your retirement portfolio, which will miraculously Continue reading Can we increase the Safe…
My economic and market outlook: We will avoid a recession, inflation will further moderate, and the USA will win the trade war. Relax! The FIRE movement will be just fine. The post Market Musings: Recession Fears and the Trade War Is this the end of FIRE? appeared first on Early Retirement Now .