Full Show: Do the 60/40 Portfolio and the 4% Rule Still Work?

A recent article from the Wall Street Journal took a shot at two time-honored investment strategies: the 60/40 portfolio and the 4% rule. Will these two financial principles work in the future? CERTIFIED FINANCIAL PLANNER® Wes Moss, a managing partner with Capital Investment Advisors, joins Christa to discuss the purpose of these fundamentals and explains why they still belong on the Mt. Rushmore of finance.

Clark is off today, but we hope you enjoy the show with Wes and Christa. Let us know what you think in the comments below!
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00:00 - Intro
02:06 - 60/40 Portfolio
07:15 - Ask Wes - Should I leave company stock in my account or sell/invest?
10:08 - Ask Wes - What retirement account should we use if we own a business?
13:19 - 4% Rule
18:32 - Ask Wes - Is it possible to withdraw contributions from a Roth IRA without penalty?
19:34 - Ask Wes - What’s the downside to an annuity offering to pay my required minimum distributions?

Mentioned on the show:
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Wes Moss Podcast - @RetireSoonerTeam

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Our Promise to You:

[cindypatrick]

Of course we missed Clark, but you and Wes filled in very well for Clark 😘 8:10

[jeffb.]

Christa - you did great! Clark would approve.

[fredrmitchell]

Well done . I am a 50 year reader of the WSJ and I had similar thoughts about this article 🎉😊🎉

[timelston]

I've thrown in some small cap value, international, managed futures, and gold to diversify my 60/40, but I think the traditional 60/40 is fine too.

[kikizozu]

I was shocked not to see Clark but we already know you can handle it all Krista. I’ll be glad when he’s back though just because that’s what I’m used to and I’m glad you had a guest on today that helped a lot thank you.

[profsteve]

well done, thanks for confirming what i already do and know, now that i'm well into retirement the money investment machine which i self manage at vanguard is doing very well, start RMDs next year but doing Roth conversions for the last 7 years (nearly tax free)

[jerel]

It’s good when Wes Moss comes on Clark Howard show! they both give out great well thought out advice and with both you get different perspectives.

[bryanseverino]

Nice job Christa and Wes, good information. I like the fact acronyms are explained.

[albert]

Thank you for covering for Clark. Thank you for your knowledge and sharing with us .

[Cajundaddydave]

Really good discussion guys and I agree with Wes 100%. Time tested investment strategies have withstood the test of time for good reason. They just work.
Cheers!

[makeyourlifeeasier]

Such a good show. Should be called "The Christa & Clark who? Show." Or maybe "Christa & Friends."

[JimB]

Great information. Thank you so much!

[dpporlando]

What's Warren's saying? The stock market is a great device for transferring wealth from the impatient to the patient. Get in early and buy often and the rest will take care of itself.

[e-care-books]

#TeamClarkRocks Great job, Christa. Welcome, Wes. I bet Clark's perusing the "$1.25 Store." Lol.

[steelyscott]

Could anyone direct me to Wes's website and or podcast, please?

[TJH]

I lost 50 percent from 2007 to 2009, but have gained over 600 percent since.

[kellyharbour]

Good info as usual. The green circle (from the light) in his glasses is a bit distracting. Love the show!

[magnoliap]

Again insurance is not an investment. And everyone pays taxes eventually.

[retired]

Stay away from those criminals trying to scam you with that annuity garbage!

[retired]

You can certainly withdraw contributions from a Roth. It’s still a horrific unrecoverable mistake.