Given this short-term uncertainty, a logical question arises: “how much of my portfolio should I keep in cash?” This is an excellent question and one that can be informed by some mathematical evaluation. I say “informed” because mathematical models cannot precisely predict the future. They can, however, help guide our decision-making. Today I am going to discuss how I view the cash vs. stocks decision. I’m going to leave out the discussion of gold (for now). The benefit of this article to you should be to give you some ideas of a general framework you can use to shape your own decision-making.
Fund Your Retirement is a main online asset for account, business start-up, and retirement procedure. Solutions to fund your retirement may incorporate investment, business enterprise, benefits and income producing assets
Powered by Fund Your Retirement
Introducing Paul Belanger
Paul Belanger offers unique insights and methods to help you build enduring wealth.
meet paul belanger
Paul is a chemical engineer by profession, earning a Ph.D. in 1997, eventually becoming a Director of R&D. He recently retired at the age of 50, having achieved financial independence, through saving and investing, giving himself freedom of choice.
During his career, he turned his skills and analysis techniques as a chemical engineer towards the financial system and portfolio allocation. After many years of study, Paul came to, what he believes to be the most predictable portfolio, which is 65% stocks and 35% gold. This approach seems to give the best overall balance for good returns while minimizing risks. It’s also important to periodically rebalance these portfolios to maintain that ratio.
buy pauls book
Evidence Based Wealth - How to Engineer Your Early Retirement
Are you seeking to master your financial destiny so that your life will belong to you and not to your employer? Then you have found the right book. This book will provide you with enough basic knowledge that you can develop and execute your own program for achieving financial freedom at an early age. It will also expose you to some fairly advanced tricks and new ways of interpreting financial information, protecting and building wealth, and planning for short and long term financial goals.
learn from paul
Paul's saving & investing philosophy that took him to financial independence
A detailed Analysis of Gold’s Importance in the Monetary System
recent blogs by Paul belanger
Read More »
Read More »
How to generate safe returns in a world where it seems the central banks want to push us into risky assets. I think you’ll agree with me that with a little creativity some decent inflation-busting returns can be generated without risking taking a bath in the next bear market in stocks or real estate crisis (without a doubt the next crisis is coming, we just can’t predict when or how severe).
Read More »
In this post, I am going to compare the results of withdrawal policies applied to two different portfolios consisting of equities and gold. The first portfolio will center around one of the largest positions in my portfolio, VYM, which is the Vanguard ETF that tracks the FTSE US High Dividend Yield Index.
the fund your retirement newsletter
Receive only the highest quality curated podcast episodes & articles from our expert guests.
Join our newsletter and receive the insights to make smarter financial decisions.
Weekly emails at the very most, so you know we wont be filling your inbox.
Join the newsletter and generate positive momentum towards your financial goals.