Asset Allocation Explained: How to Divide Your Portfolio

Asset allocation is the decision of how much of your money goes into stocks versus bonds. Get it right and your portfolio can handle market swings without derailing your retirement plan. In this episode, Ryan explains how risk tolerance, risk capacity, and time horizon all shape the right allocation for each investor, and introduces the rule of 110 as a simple starting point.The episode also makes clear why diversification across asset classes matters: stocks and bonds do not always move together, so owning both can smooth out the rough patches. Ryan's "stay the course" philosophy gets a spotlight here too. If you want to understand why investment mix matters as much as which investments you pick, this is a foundational episode.Find "Your Fiscal Physical" the book on AmazonIf you have suggestions or feedback, please email us at: [email protected], as always, Stay the Course!