The Retirement Learning Lab
Tired of feeling overwhelmed and confused about retirement planning?
You're not alone. After 30+ years of helping people navigate retirement, I've seen how the flood of conflicting financial advice paralyzes even the smartest people.
Hi, I'm Van Richards, and I created The Retirement Learning Lab to cut through the noise and give you the clarity you deserve.
Here's what makes this different: Instead of throwing more complicated strategies at you, I teach you a simple, systematic approach that actually works. My clients go from lying awake at night worrying about money to sleeping peacefully, knowing they're in complete control of their financial future.
You'll discover how to:
- Transform retirement confusion into confident action
- Maximize your income while reducing risk
- Avoid the costly mistakes that become impossible to fix later
- Create a plan so simple you could explain it to a 12-year-old
The bottom line: You only get one chance at retirement. Don't leave it to chance.
Whether you're 10 years from retirement or already there, these proven strategies will help you go from financial insecurity to complete control.
Ready to stop worrying and start winning? New episodes every week.
DISCLOSURE: Listeners must understand that this information is not financial advice; it is financial education. There is no guarantee as to the accuracy or reliability of any information presented. For more information on the limitations of the information from this YouTube Channel, please refer to the disclosure on the Richards Financial Planning YouTube page at https://richardsfinancialplanning.com/youtube-channel.
The Retirement Learning Lab
Does Asset allocation still work in 2022
With all that is happening in the world, you may be asking yourself, does asset allocation still work? Is how you divided your investments doing what it should?
In today’s video, you’ll find the answer. Plus, there is a great free tool to show you some examples of asset allocation that is intended to help you control the risk of investing. If you’re in a hurry and just want to see the asset allocation models, go to www.assetallocationmodels.com.
Here are the highlights of today’s video.
0:00 Intro
1:54 I have a free tool for you!
2:54 What's causing you to worry?
6:34 Geek Alert! What's Standard Deviation?
8:55 Investment classes or categories
10:41 The Callan Periodic Table of Investment Returns
12:12 What are some uses for the asset classes?
13:43 There are times with nothing works
One of the more useful links in today’s video is to the Callen Institute. You can find more information about Callan at www.callan.com/periodic-table
To read the accompanying blog and get a better view of some of today’s examples go to https://richardsfinancialplanning.com/does-asset-allocation-still-work-2
This information is only for educational purposes only. It is not investment, legal, tax, or accounting advice. Please read the disclosure at the end of the recording.