Episode 513:  The Perils Of All-Bond Portfolios And Over-Simplification, Choose FI, Muddled Thinking About Index Funds, And Why You Don't Need To Overplan Decades In Advance

Episode 513: The Perils Of All-Bond Portfolios And Over-Simplification, Choose FI, Muddled Thinking About Index Funds, And Why You Don't Need To Overplan Decades In Advance

May 27, 2026 · 53 min · Season 6 · Episode 513

About this episode

The episode discusses the drawbacks of all-bond portfolios in retirement and emphasizes the importance of flexible financial planning.

In this episode we answer question from Rob, Matthew, and Luke. We discuss the pitfalls of trying to rely on an all-bond portfolio in retirement and better options, the problems with over-valuing financial simplicity over good living, the benefits of the Choose FI podcast, muddled thinking about the concepts of “self-cleansing” and the momentum factor, why reassessing a retirement plan beats obsessing over a perfect forecast, and why that's not likely to be necessary with a risk parity ...

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