Work smarter, not harder 🧠

I'm on vacation at the moment for some much needed R&R but Earny is a passionate  Filthy Rich Animal and insisted we keep our conversation going.

Have you ever asked yourself, "How do I beat the market?" But really you should think, instead, about having a proper asset allocation for your personal risk tolerance. Target date funds provide a nice starting point.

Kate helps us design a portfolio that works smarter. Replace guesswork with a risk-adjusted strategy.

Saludo.

✌  Jason Meshnick

Earny Asks: How Should My Portfolio Be Performing?

It’s been a rollercoaster of a year! We started off on an up note, but then tariff talk tumbled the market. Since then, it’s been all about AI, and the stock market, as measured by the S&P 500, is up big this year.

But how are you doing?

If you’re like most investors, you own different investments than just the S&P 500. In fact, over here on Filthy Rich Animal, we’ve preached that you should own a diversified portfolio. Sure, you can speculate in AI stocks. Own Tesla  (TSLA)  if you’re a fan of Elon. Or get involved with value stocks that pay dividends. Whatever! Just have a plan.

Now that it’s the middle of October, we’re into the final quarter of the year. So how are you doing?

In Earny’s case, he understands the value of the nuts he’s been collecting, but has no idea whether his performance has been good or bad.

Earny Asks: How Should My Retirement Account Be Doing So Far in 2025? Well, we tell you ...

Design Your Portfolio to Work Smarter, Not Harder

Your investment accounts are designed for optimum performance, right? While also being highly efficient?

OK, those were trick questions.

You really want to adjust your return for the amount of risk taken. A higher return is not necessarily better if it comes from taking on excessive, uncompensated risk.

Kate Stalter shows a couple ways of looking at this issue ...

ASK EARNY

Have an investment question for Earny? He's a filthy rich animal himself.
 ➡️ Ask him at [email protected]

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