09.05.24 INVESTING: Do the 60/40 Portfolio and the 4% Rule Still Work?

The Clark Howard Podcast

Clark Howard

Business, Investing, Entrepreneurship

4.6 • 5.2K Ratings

🗓️ 5 September 2024

⏱️ 25 minutes

🔗️ Recording | iTunes | RSS

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Summary

Clark is out today, but returns tomorrow in time for Clark Stinks. Back by popular demand is Wes Moss, a fiduciary financial advisor that Clark and Christa have known for years. A recent article from the Wall Street Journal took a shot at two time-honored investment strategies: the 60/40 portfolio and the 4% rule. Will these two financial principles work in the future? CERTIFIED FINANCIAL PLANNER® Wes Moss, a managing partner with Capital Investment Advisors, joins Christa to discuss the purpose of these fundamentals and explains why they still belong on the Mt. Rushmore of finance. 60/40 Portfolio: Segment 1 Ask Wes: Segment 2 4% Rule: Segment 3 Ask Wes: Segment 4 Mentioned on the show: Mistakes Investors Might Make When Following The Herd A Time-Honored Strategy Puts Your Retirement at Risk of Financial Ruin Wes Moss, Capital Investment Advisors What Is a Solo 401(k) and How Does It Work? What Is a SEP IRA and Who Is Eligible? What Is a SIMPLE IRA and How Does It Work? What A 6% Withdraw Rate Could Mean For Your Retirement How to Start Investing: 10 Steps for Beginners What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Welcome to the Clark Howard Show where our mission is to serve you and empower you to make better financial decisions in your life.
0:12.0	Clark's voice has not changed. financial decisions in your life.
0:12.9	Clark's voice has not changed.
0:14.6	Clark is out today.
0:15.6	This is Krista.
0:17.0	And Clark will be back tomorrow in time for Clark Stinks.
0:19.6	He would not miss that for the world.
0:22.1	When we get so many investing questions on the show that I
0:25.4	thought we'd bring back our friend, Wes Moss. Wes is a fiduciary financial
0:32.1	planner that Clark and I have known like forever and a long time and you
0:36.8	were on the show with Clark not too long ago and so I thought this would be a good
0:40.4	opportunity with Clark skipping you know playing hooky today to bring you in and
0:44.7	have you give some of your awesome knowledge and also answer some of these investing questions
0:49.7	from a financial planner's perspective.
0:52.1	I'm excited to hear the questions. I'm happy to
0:55.1	help and you and Clark have been so great over the years. You've helped me with my
0:59.8	podcast. I've looked up to Clark for almost 30 years, so really he's got he's been my
1:04.9	radio and financial mentor for so long so it's great to be here to help.
1:09.4	Well awesome and I know so we're going to get to those questions, but you have an issue with an article you recently read, right?
1:16.1	Every so often the first of all I love the Wall Street Journal. I think they're balanced. I think they're smart the reporting is good every once in a while they will take a shot
1:28.8	at a time-honored investment strategy and cast all this doubt in the world.
1:35.1	And I think that can actually do a lot of harm.
	...

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