Your retirement plan was probably built on 10% annual returns. Vanguard now projects roughly 3.5–5.5% for the decade ahead. John Curren talks with financial planner John Grace, president of Investor’s Advantage in Thousand Oaks, about what quietly breaks when the old math stops working — and the defensive, loss-limiting playbook that replaces “set it and forget it.”
You’ll hear:
• Why Grace plans around acceptable losses first — and how moving to cash kept his clients’ 2008 losses under 20% while the market fell about 40%
• The silent squeeze of withdrawals, RMDs, taxes, inflation, and longer lifespans on a plan built for 10%
• Why Yale’s endowment holds only about 3% in US stocks, and what real diversification means inside a 401(k)
Connect with John Grace: https://whybepoor.com
Watch on YouTube: https://youtube.com/@aswiftkickintheassshow
Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/a-swift-kick-in-the-ass-personal-growth-resilience-podcast/id928326346
A Swift Kick in the Ass is a personal growth podcast built on one idea: the beliefs you inherited are keeping you stuck — and it’s time to disrupt them. Host John Curren has raw, honest conversations with people who rebuilt after setbacks and built lives on their own terms. No guru talk. No toxic positivity. Subscribe — and get your ass moving.