The 60/40 Investing Rule is Dead — Here's What's Replacing It

All in on the shovel.

I have a good amount in my investment accounts but my advisor said blah blah you need more blah blah. Then in the back of my head I'm thinking I've got 100k in Pokemon that only gets more valuable. I think the black rock guy is onto something

Wish Youtube recommended this video 4 months ago…

This video qualifies for the YOU TUBE BULLSHITTER OF THE YEAR AWARD!

Also I wanna thank you for encouraging me to get in to stock market last year early in may. I have your book and I’m following you very closely.

Hey Brian, do you have legit x account? Because I’m following an account that is on x but it only has 4.5k followers and no comments on under posts. Thank you in advance!

As of February 2026, gold does not seem to be a secure investment option. It has a big volatility. As for the US Treasury bonds, I'd prefer to choose shorter terms rather than 30 year, like 1 year or so. Also he forgot to add that there are some federal and state tax advantages for investing in bonds.

EXCELLENT TIPS 🎉

Do not buy bonds, they are selling their bonds and telling you to hold them

Trump has accelerated the decline US economy. America will be Trump‘s 7th bankruptcy.

Gold has been on a great run. But it has not always been that way. 20 % gold wont produce monthly income. Be careful if your retired.

Thanks!

Anyone who says the CPI is understated by half is speaking my love language. Subscribed.

Not true. 2022 was an aberration, a perfect storm. If we ever have a late 60s and 2000's bear market, most will wish they were in a 60/40 if they are already in retirement.

Why not 50% or even 75% gold ?

God you were spot on 3 months later watching this and it’s almost at 5000 went from 4200 to 6700 on ishares etf

Interesting take. However, the 1997 paper from the NY Fed that you are quoting from actually concluded that CPI was *OVERSTATING” inflation by 1% not understating it.

Synopsis: “Critics of the consumer price index—the most widely watched inflation measure—contend that it
overstates inflation by as much as 1 percentage point a year. Some have argued that alternative
indexes eliminate the CPI’s upward bias and offer a more accurate reading of inflation levels.
A closer look at these alternatives, however, reveals that they have substantive problems of
their own, suggesting that the CPI, though flawed, is still our most reliable indicator of
changes in inflation”.

“With an asset like gold, for example, you know, basically gold is a way of going long on fear, and it’s been a pretty good way of going long on fear from time to time. But you really have to hope people become more afraid in the year or two years than they are now. And if they become more afraid you make money, if they become less afraid you lose money. But the gold itself doesn’t produce anything” —WARREN BUFFETT

Depends largely on your age.

I think I'll stick to 97% stock and 3% fixed income. The return on bonds is just not good enough.

Are we talking the etf GLD gold as an investment or physical gold or both? Only bond I use is SGOV

Why did they wait until 2025? Inflation was far worse in late 2022 and 2023.

Thanks for info 👍👍

lol im 100% in stocks! retiring in 20 more years, so i'll tone it down closer to my 10 to 5 year mark

I am retired and I want income and gold does not help me there. I like fixed income and use REITs and BDCs to generate income, to get my portfolio in the 4% – 5% yield range which is enough for me now. I do have 3% gold and 3% in a gold stock. My portfolio allocation is 50:50. That is enough gold for me. By the way, I do have a target of 3% in the long Treasury bond for capital appreciation if the stock market crashes.

I am NOT buying gold sir
That’s a NO❗️

I've been talking with chatgpt and it has been recommending short term bonds and gold for a while now. It's also telling me defense and infrastructure. Crazy times we live in.

Gold is a ponzi-scheme that doesn't produce anything. International financial markets won't allow the US to go bust. Too many interests involved.

I’m a millionaire only need 100%

100% stocks all these years..no complaints.

as i was watching I wanted to know something the interest we get from bond are based on initial investment but the rate of inflation would be compounded. So, ultimately even with higher rates you would be losing money right?

F gold

Inflation is not 5.8%. We are currently at 3.2%.

Not everyone learns financial literacy early—I was 35 when I started. I turned my life around from $176,000 in debt to being debt-free with a net worth of over $1,000,000 in just two years. I'm proud of my progress and now invest $400,000 annually. It feels great to owe nothing!

Would it have taken you any more time to just go to a Wikipedia article and read it to us? I swear i'm getting more and more annoyed at youtubers reading the AI summaries of things to me. If you're going to be lazy, read something a person wrote to me at least.

Go 💯% gold — wait for increase then sell and " live it up !" 🍷☺️👌