Scott Trench
speaker
696 appearances
1 recordings
1 series
first heard Sep 2025
last heard Sep 2025
Scott Trench’s voice in public audio — every appearance, attributed to the second.
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Appearances
Almost none have anything close to their traditional allocation.
That makes perfect sense.
Bond yields are so low.
But that's in conflict with this perception of to actually spend money from a portfolio, you have to...
build a portfolio that is capable of supporting those distributions.
And that involves moving from aggressive allocation to more conservative allocations.
And that's a problem people have, right?
It'll be very difficult for everyone in the community.
It may be very difficult for you as well.
Whenever you decide to shift to a more conservative portfolio, because you're so used to- It's too slow growth, right?
That's right.
but your goal is not fire, right?
But people who say, my goal is to spend Tuesday on my mountain bike at age 35 instead of in the office.
You cannot do that with a all-stock portfolio unless you're so rich that it doesn't matter.
You can withdraw 2% a year or whatever, and the problem is obviated because you're so far past what you need to spend.
That's the difference between a $2.5 million portfolio and a $5 million portfolio, for example, for someone who wants to spend $100,000 a year.
The all stock portfolio, because it can crash 50 to 80% once a generation and take years to recover, does not support the actual distribution of those funds from a portfolio.
And that I think is the problem that the community is grappling with is they're so used to aggressively building a portfolio and they've trained their brain for so long and grinded for so long on that, that shifting to actually selling off the stocks, much less even moving to a more conservative portfolio allocation is just impossible for them.
It's not happening in large numbers.
That makes a lot of sense.
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