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By Dr. David Edward Marcinko MBA MEd
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SPONSOR: http://www.MarcinkoAssociates.com
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Portfolio Allocation & Risk Management
🏦 100 Minus Age Rule: Subtract your age from 100 to estimate the percentage of your portfolio to invest in stocks. The rest goes to bonds or safer assets.
- Rule of 110 or 120: A modern twist—subtract your age from 110 or 120 to allow for more stock exposure in a low-interest environment.
- Diversify, Don’t Speculate: Spread investments across asset classes to reduce risk.
- Don’t Invest What You Can’t Afford to Lose: Especially for speculative assets like crypto or startups.
📈 Growth & Returns
- Rule of 72: Divide 72 by your annual return rate to estimate how many years it takes to double your money.
- Time in the Market Beats Timing the Market: Staying invested long-term usually outperforms trying to predict short-term moves.
- Start Early, Compound Often: The earlier you invest, the more compound interest works in your favor.
🧾 Budgeting & Saving
- 50/30/20 Rule: Allocate 50% of income to needs, 30% to wants, and 20% to savings/investments.
- Emergency Fund Rule: Save 3–6 months of living expenses before investing aggressively.
- Pay Yourself First: Automatically invest a portion of your income before spending.
🧠 Behavioral & Strategy Tips
- Buy What You Understand: Don’t invest in companies or assets you don’t comprehend.
- Avoid Emotional Decisions: Fear and greed are the enemies of smart investing.
- Rebalance Annually: Adjust your portfolio to maintain your target asset allocation.
- Don’t Chase Past Performance: What worked last year may not work this year.
🏦 Retirement & Withdrawal
- The 4% Rule: Withdraw 4% of your retirement savings annually to make it last ~30 years.
- Save 15% of Income for Retirement: A common target for long-term financial security.
- Max Out Tax-Advantaged Accounts First: Prioritize 401(k), IRA, or Roth IRA before taxable accounts.
COMMENTS APPRECIATED
SPEAKING: Dr. Marcinko will be speaking and lecturing, signing and opining, teaching and preaching, storming and performing at many locations throughout the USA this year! His tour of witty and serious pontifications may be scheduled on a planned or ad-hoc basis; for public or private meetings and gatherings; formally, informally, or over lunch or dinner. All medical societies, financial advisory firms or Broker-Dealers are encouraged to submit an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com
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Filed under: "Ask-an-Advisor", finance, Financial Planning, Glossary Terms, Taxation, Touring with Marcinko | Tagged: 100 minus age rule, 4% rule, 50/30/20 rule, david marcinko, emergency fund, financial-independence, Investing, personal-finance, retirement, rule 110, rule 120, rule 72 | Leave a comment »
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