Robert Brokamp

speaker

4,580 appearances 41 recordings 3 series first heard Oct 2025 last heard 2d ago

Robert Brokamp’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 41 in all, peaking in Sep 2026 with 5.

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Motley Fool Hidden Gems Investing · The Father of the 4% Rule Says Retirees Can Take Out Much More · 25 Jul 2026 podcast

It's large caps, small caps, mid caps, micro caps, and international.

Then 40% intermediate government bonds and 5% T-bills.

Generally speaking though, how does asset allocation, especially the stock and non-stock split, affect withdrawal rates?

So a good range is around what would you say is a minimum stock allocation and then maybe a maximum that most people would be appropriately used?

I thought one interesting insight from your book was that you include the safe withdrawal rate for a simple two asset portfolio of bonds and large cap stocks.

And the safe max really starts to tail off at allocations above 75% stocks.

But then when the stock allocation is more diversified with five categories of stocks,

not only does it boost the safe withdrawal rate, but the drop-off beyond 75% isn't nearly as sharp.

It's an excellent illustration of the power of diversification.

I think you're absolutely right.

I should point out too that you also examined the allocation between cash and bonds, and in your case, bonds were intermediate-term government bonds.

And there's a pretty linear relationship between that cash-bond split and the safe withdrawal rate, right?

The more cash equals a lower rate.

Let's move on to portfolio management.

You looked at how often retirees should rebalance their portfolios, but also whether they should be decreasing or increasing their stock allocations over the course of their retirements.

Let's start with the rebalancing question.

How often do you think folks should be rebalancing, which is basically moving back your portfolio to some sort of originally intended allocation?

Talk a little bit about your analysis of whether people should be decreasing their stock allocation as they go through retirement or whether it actually makes sense to increase their allocation to equities.

Let's move on to our final question here, Bill.

You are an internationally recognized retirement expert, but you've also been retired yourself for more than a decade.

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