Listener Questions: How Do I Create a Diversified Portfolio?
From Retirement Answer Man by Roger Whitney, CFP®, CIMA®, RMA, CPWA®
April 22, 2026 · 48 min · Episode 640
About this episode
Roger Whitney discusses how to create a diversified portfolio and answers listener questions on related topics.
Roger Whitney breaks down how to create a diversified portfolio by explaining the core principles of diversification and asset allocation, then answers listener questions on topics like using allocation funds, shifting from the S&P 500 to total market funds, and strategies like buy, borrow, die. He emphasizes that while diversification reduces unnecessary risk, asset allocation is the most important decision—especially in retirement, where portfolios should be structured into three buckets: contingency, liquidity, and growth—to balance stability, income needs, and long-term growth. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (0:00) Building wealth for retirement and investment strategies. RETIREMENT TOOLKIT (01:27) Basics of asset allocation and diversification. (02:38) Explanation of unsystematic and systematic risks. (06:26) Risk management and modern portfolio theory. (09:08) Key components and decisions in portfolio construction. (13:12) Key takeaways and practical advice. (16:10) Importance of contingency, liquidity, and growth funds. LISTENER QUESTIONS (18:20) T-Bone asks a question about asset allocation funds (26:55) An audio question about portfolio…
People in this episode
Host: Roger Whitney
Guests: T-Bone, Michael
Topics covered
- diversified portfolio
- asset allocation
- listener questions
- retirement strategies
- risk management
Keywords
- diversification
- asset allocation
- buy borrow die
- retirement
- portfolio construction
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