Episode 91 

The Death of the 60/40 Portfolio – Building a Modern Faith-Based Tactical Allocation for Today’s Markets
In this powerful episode, Jay Peroni, CFP®, tackles one of the biggest shifts in modern investing: the decline of the traditional 60/40 portfolio. For decades, retirees leaned on a simple formulaa: 60% stocks for growth, 40% bonds for safety. But as Jay explains, that strategy was built for a world of falling interest rates and low inflation. Today, that world is gone.

Jayexplores why the 60/40 model no longer works in today’s volatile markets. Jay unpacks the dangers of outdated assumptions, showing how inflation, higher interest rates, and synchronized stock-bond declines have shaken retirees’ confidence. He shares the story of a retired couple whose “safe” portfolio lost 18% in 2022, until they shifted to a Faith-Based Tactical Allocation that provided income stability, inflation protection, and biblical alignment. Jay ties these lessons to Scripture, reminding listeners that wise stewardship means building on the rock, not the sand.

Then Jay moves from diagnosis to prescription, introducing Faith-Based Tactical Allocation. Jay describes his “Buckets and Balance” strategy: growth stocks for offense, private pensions for defense, and diversifiers like gold and real assets for hedging. He shares the transformational story of clients who found spiritual peace after aligning their portfolios with their values.

Listeners are invited to take action through a free “Screen & Clean” Portfolio Session at FaithAndRetirement.com