2 Funds For Life

A simple strategy to maximize your retirement investments

In this podcast, Paul Merriman and Chris Pedersen – who spent most of the last two years developing the “2 Funds for Life” strategy – discuss the rationale, research, details and benefits to easily implement this simple strategy.

The discussion includes a quick review of the “Three greatest investment products” (podcast and 

A simple strategy to maximize your retirement investments

In this podcast, Paul Merriman and Chris Pedersen – who spent most of the last two years developing the “2 Funds for Life” strategy – discuss the rationale, research, details and benefits to easily implement this simple strategy.

The discussion includes a quick review of the “Three greatest investment products” (podcast and article  including mutual funds, index funds and target date funds, with a special emphasis on the reasons TDFs don’t give investors the best options and the best returns.  Chris explains the steps he took to research the possible ways to simplify the investment process without giving up the extra returns the portfolios should produce.  His focus was to understand the risk (worst case for losses) and the high/low and average returns expected for 9 different combinations compared to the risks and returns of holding only a traditional target date fund.  Listeners and viewers will see a group of very simple strategies that can add 25% to 100% more to the traditional target date fund.  While the “2 Funds for Life” strategies are more risky, most investors will likely be comfortable with the additional risk.

Please note: This presentation reviews a lot of numbers and the most effective way to review the information is to watch the video that includes all the tables.  For those who listen to the podcast, Paul and Chris, have tried to highlight the most important results. Paul suggests those who listen to the podcast will better understand the recommendations if they also read the in-depth article by Chris.

To access graphs, articles and other links referenced in this podcast, click here.

To view this presentation as a video, click here.