Paul Merriman and Chris Pedersen introduce the 2 Funds for Life Fine Tuning table) and describe how it can be used by investors of all ages to evaluate various combinations of target-date and small-cap value funds.
Historically, these combinations have produced higher returns and higher safe withdrawal rates with only modest increases in risk compared to the target-date fund alone. The table provides investors a way to see what these differences have been in the past for target-date funds across their lifetimes when combined with 0% to 50% small-cap value in 10% increments.
Paul and Chris also discuss rebalancing approaches and the methodologies used in the backtests. Whether you're a young investor, mid-career, or well into retirement, we think this information will be relevant and hope that it will be life-changing.
Watch video here- https://youtu.be/SiByQZzf3vQ
