I think it's time we rethink our portfolios, especially from that 60/40 recommendation of the past. In this episode, I talk about why it’s time to add 20-30% in alternative investments—think real estate, lending funds, and even franchises—to balance your growth and give you more control.

Diversifying outside just stocks and bonds can help you sleep better at night and potentially boost your returns. I also share how to use self-directed IRAs and why a Roth IRA should be top of mind.

3 takeaways from this episode:

• Modern Portfolio Mix: The classic 60/40 (stocks/bonds) split is making changing for a more diversified mix—what Michelle calls the “50/30/20” model: 50% stocks, 30% bonds, and 20% alternatives.
• Strength of Alternatives: Michelle sees alternative investments (like lending funds, real estate, and franchises) not just as a buffer from market volatility, but also as potential replacements for part of the bond allocation.
• Roth IRA Strategy: I stress the importance of the Roth IRA and why you should keep it top of mind in your retirement planning. Consider a backdoor Roth IRA.

Backdoor Roth IRA Episode #54

Take the quiz - How Alternative Assets Can Fit in Your Portfolio

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Disclaimer:

The information discussed in this podcast is for educational and informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, investments, or financial instruments. Private placements and alternative investments are speculative and involve significant risks, including the potential loss of your entire investment. These investments are often illiquid, meaning they may not be easily sold or converted to cash, and investors should be prepared to hold them for an extended period of time. These opportunities are typically suitable only for accredited investors and may not be appropriate for all listeners. Always consult with a qualified financial advisor, attorney, or tax professional before making any investment decisions. The hosts and guests of this podcast are not responsible for any actions taken based on the information presented.

#alternativeinvestments #60/40mix #assetallocation #financialplanner