Asset Allocations are a Scam... #retirementplanning #financialadvice

Financial advisors, regulators, and retail investors alike use Asset Allocations as a barometer of the risk level in a retiree's investment portfolio. In this video I will make the case that it is a misleading measure that may cause catastrophic damage to a retiree's investment portfolio. The crux of the issue is that some bonds are volatile like stocks, and some stocks are low risk like certain bonds. Therefore using a broad categorization that simply tells one to have X% in Bonds and X% in stocks is actually inaccurate and missing nuance. I propose that we use a spectrum that gauges an investments INTEREST RATE SENSITIVITY as a better measure of the risk (volatility) of that investment. This will allow wealth managers and retail investors alike to navigate their portfolio contruction in a much more accurate and nuanced manner. Please enjoy this weeks video, "Asset Allocations are a Scam".

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Eric Amzalag, CFP®, RICP®

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