We Built a 5% SWR Retirement Portfolio Using Fidelity in 48 Minutes (Golden Ratio Portfolio)

Episode #659 ~~~ Episode Show Notes: https://www.biggerpocketsmoney.com ~~~ Connect with Frank Vasquez: https://www.riskparityradio.com/about ~~ Connect with Scott and Mindy: Scott:   / scott_trench   Mindy:   / _mindyatbp   ~~~ Follow BiggerPockets Money on Social: Facebook:   / bpmoney   Instagram:   / biggerpocketsmoney   ~~~ In this episode of the BiggerPockets Money podcast, hosts Mindy Jensen and Scott Trench welcome Frank Vasquez to challenge everything you thought you knew about safe withdrawal rates. Frank reveals how a properly constructed risk parity portfolio can support a 5% withdrawal rate—meaning you could comfortably pull $125,000 annually from a $2.5 million portfolio without the traditional fear of running out of money. This isn't theoretical; it's a practical strategy that sophisticated investors have been using for decades. Frank takes listeners step-by-step through building this portfolio on Fidelity, demonstrating real-world implementation rather than just concepts. You'll discover how mathematical principles like the Fibonacci sequence can guide your allocation decisions, why traditional diversification falls short, and how to rebalance effectively without overthinking the process. Most importantly, Frank shows how to customize this approach to your specific situation, making risk parity accessible whether you're approaching FIRE or already financially independent. Watch as Mindy sets up a portfolio live on Fidelity and learns how to maintain it—ideal for anyone looking to enhance their financial strategies with risk parity principles. 00:00 How to Build a Risk Parity Portfolio 04:32 Building the Golden Ratio Portfolio 08:27 Allocating Stocks and Bonds 18:49 Adding Gold to the Portfolio 22:56 Exploring Managed Futures 25:13 Asset Coverage and Performance 27:07 Buying and Allocating Funds 27:50 International Fund Selection 32:14 Rebalancing the Portfolio 35:12 Withdrawal Strategy 37:11 Tax Considerations and Portfolio Management 38:31 Distribution 43:03 Connect with Frank!