Is 60/40 dead? From a real return standpoint I donā€™t see how that mix in retirement gets anyone anywhere in a 30 year battle vs inflation. Interesting times ahead in this biz. Looking forward to it!!

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60 spy and 40 qqq has worked for me .šŸ˜

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60/40 was never the answer except to the regulators

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The 4-6 percent return of fi will likely be 2-3 for at least a decade ahead in my humble opinion. Iā€™m a full equity investor for the most part so it doesnā€™t matter much to me but I have met so many prospects fixated on that balance heading into retirement and I just feel that there lies bad times ahead if they arenā€™t running at a less than 4% distribution rate. And thereā€™s not many folks in such a fortunate situation

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That actually works quite well in an inflationary environment.

Why do you think it doesn't work?

Weā€™re not in an inflationary environment and I donā€™t see rates going up dramatically

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