by Ethan S. Braid, CFA | Jan 14, 2026 | Asset Allocation, Blog, Investing, Investment Risk, Retirement Planning
The 60/40 equity-to-fixed-income retirement portfolio is a great asset allocation strategy used by many retirees. Contrary to what some people think, this asset allocation strategy is still relevant and a perfect investment plan for some retirees. Pros of the 60/40...
by Ethan S. Braid, CFA | Dec 5, 2025 | Blog, Investing, Retirement Planning
Municipal Bonds, are they right for your portfolio? I am going to show you a process to determine if municipal bonds are a good deal for you. We are going to focus on two areas: Taxable Equivalent Yield Liquidity What Are Muni Bonds? First, let’s quickly go over what...
by Ethan S. Braid, CFA | Apr 3, 2025 | Asset Allocation, Blog, Retirement Planning
How reliable is the 4% rule when using a 60/40 equity/fixed balanced investment strategy? Will you run out of money if you have bad timing and retire right before a recession? How will sequence of negative returns affect your retirement plan? To answer these questions...
by Ethan S. Braid, CFA | Apr 3, 2025 | Asset Allocation, Blog, Retirement Planning
Like what I saw in the year 2000, many investors are now touting the benefits of an all-equity retirement portfolio. I thought it would be fun to see how a hypothetical $2 million retirement portfolio would have performed using the 4% rule for retirement distributions...
by Ethan S. Braid, CFA | Mar 26, 2025 | Asset Allocation, Blog, Retirement Planning
Retirees should plan to encounter four recessions during a typical 25-to-30-year retirement. According to Fed Chair Jerome Powell during his March 19th, 2025, press conference, the unconditional probability of a recession is in the range of 1 in 4 at any time. Another...
