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

Episode #659
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Mindy: link
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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!