Ep. 2018: All Gas, No Brakes
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Ep. 2018: All Gas, No Brakes
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A provocative academic study says retirees should hold 100% stocks—an all-gas, no-brakes strategy that looks great in a spreadsheet. Don and Tom explain why higher expected returns alone ignore sequence risk, the emotional reality of a 50% drawdown, and the practical value of bonds when retirement withdrawals begin.
Then a listener asks about an employer-backed indexed universal split-dollar life insurance plan promising tax-free growth and distributions. The pitch sets off every alarm: complicated loans, questionable salary treatment, enormous commissions, and tax rules that demand independent legal review.
Finally, they separate Dave Ramsey’s useful debt and savings advice from his investment recommendations. High-cost active funds, optimistic return assumptions, and an 8% withdrawal rate meet 200,000 Monte Carlo simulations—and the numbers are not kind.
00:49 New ideas, old investing truths
03:04 The all-stock retirement argument
12:39 A split-dollar insurance pitch raises red flags
20:18 Where Dave Ramsey’s investing advice falls short
24:14 Testing an 8% withdrawal rate
Questions? Comments? Click!