PodParley PodParley
PodParley
Listener Questions: How Do I Create a Diversified Portfolio? episode artwork

EPISODE · Apr 22, 2026 · 48 MIN

Listener Questions: How Do I Create a Diversified Portfolio?

from Retirement Answer Man · host Roger Whitney, CFP®, CIMA®, RMA, CPWA®

Roger Whitney breaks down how to create a diversified portfolio by explaining the core principles of diversification and asset allocation, then answers listener questions on topics like using allocation funds, shifting from the S&P 500 to total market funds, and strategies like buy, borrow, die. He emphasizes that while diversification reduces unnecessary risk, asset allocation is the most important decision—especially in retirement, where portfolios should be structured into three buckets: contingency, liquidity, and growth—to balance stability, income needs, and long-term growth.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(0:00) Building wealth for retirement and investment strategies.RETIREMENT TOOLKIT(01:27) Basics of asset allocation and diversification.(02:38) Explanation of unsystematic and systematic risks.(06:26) Risk management and modern portfolio theory.(09:08) Key components and decisions in portfolio construction.(13:12) Key takeaways and practical advice.(16:10) Importance of contingency, liquidity, and growth funds.LISTENER QUESTIONS(18:20) T-Bone asks a question about asset allocation funds (26:55) An audio question about portfolio diversification(33:44) Michael asks about the ‘buy, borrow, die’ strategy (39:55) Listener shares a suggestion for what to do with a t-shirt collectionROCKING RETIREMENT IN THE WILD(40:55) Dennis shares that two years into retirement, he’s happy without a defined “purpose,” pushing back on the idea that retirement needs one.(43:22) Tim and Tammy embrace a flexible “pre-tirement” lifestyle, teaching remotely while traveling, volunteering, and exploring all 63 U.S. national parks.SMART SPRINT(45:22) Review your asset allocation and clearly define your contingency, liquidity, and growth buckets.CONCLUSION(46:09) Roger ends with a heartfelt reflection on loss and gratitude, reminding listeners to cherish meaningful moments.REFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

NOW PLAYING

Listener Questions: How Do I Create a Diversified Portfolio?

0:00 48:06

No transcript for this episode yet

We transcribe on demand. Request one and we'll notify you when it's ready — usually under 10 minutes.

Share this episode

Similar Episodes

No similar episodes found.

Similar Podcasts

LIGHTS, CAMERA, SMILE! Creatives Club Media Lights, Camera, Smile, is a podcast for anyone with a dream to share something with the world, out of the overflow of themselves - be it their mind, their heart, their personalities, and much more. Each of us are alive in this moment in time, with an innate ability to have ideas and create various things to benefit both ourselves and the people around us for a reason, and here, you will find the encouragement, the inspiration, and the motivation to do just that. Hosted by Cicily, founder of Creatives Club, she dives into various topics surrounding creativity and business. Exploring entrepreneurship for creatives in a corporate reality, sharing tips and tricks in a media centered company, answering questions regarding what a creative actually is are just a few of the things discussed on this podcast. Be encouraged to create for yourself as Cicily gets vulnerable by pivoting the camera to herself for the first time.To submit questions for Cicily to answer, or have her address certain t Solving for Change MOBIA Technology Innovations Solving for Change welcomes business and technology leaders to share stories of bold business transformation within complex organizations. In an era when technology and markets are changing around businesses, the key to staying competitive is to evolve in response to those changes.  MOBIA’s Mike Reeves and Marc LeBlanc investigate business transformation, deconstructing the challenges, ambitions, and market disruptions that drive companies to embark on transformation journeys, and exploring their unique approaches to achieving meaningful outcomes.  What sparks leaders to pursue business transformation? How do they overcome the challenges along the way? What are the keys to creating enduring change?  Through in-depth conversations with business and technology leaders, Mike and Marc answer these questions and explore how businesses evolve by pulling four key transformation levers: people, process, technology, and culture. Accidental Accountant Regan Williams Hi, I'm Regan! I'm a CPA of 30+ years helping "accidental accountants" navigate tax & accounting issues with confidence! Here, we find solutions to common challenges bookkeepers, accountants and CPAs face. Don't see an answer to your question? Then ask! I'm here to help people like you. One Man Went To Row PepperDawesMedia Follow the journey, from training to finish line, of a man from Derby, UK who is going from having only ever rowed on a machine to rowing 3000 miles solo across the Atlantic...just after his 70th birthday!

Frequently Asked Questions

How long is this episode of Retirement Answer Man?

This episode is 48 minutes long.

When was this Retirement Answer Man episode published?

This episode was published on April 22, 2026.

What is this episode about?

Roger Whitney breaks down how to create a diversified portfolio by explaining the core principles of diversification and asset allocation, then answers listener questions on topics like using allocation funds, shifting from the S&P 500 to total...

Can I download this Retirement Answer Man episode?

Yes, you can download this episode by clicking the download button on the episode player, or subscribe to the podcast in your preferred podcast app for automatic downloads.
URL copied to clipboard!