I never knew that personal actuaries existed until now. Interesting concept.Not necessarily.
First read The Intelegent Asset Allocator. There is no substitute for understanding the details.
Historically, from portfolio theory, a small allocation to a bond portfolio (or a bond substitute like high cash value 10/90 Whole Life) has lower risk and slightly higher returns than all bonds.
I know a personal Actuary (Scott Witt) who revealed his investment strategy - 85% Whole Life and 15% shares. Very conservative. Of course, an actuary's bread and butter is financial risk, so, in his situation, the design is likely to be optimally risk-adjusted.
Now that I am retired, I allocate 90% to a high-yielding cash account (which returns about the same as a high-yielding bond fund and is government-guaranteed) and 10% to shares, rebalanced monthly. But I worked for the government for over 30 years before retiring and got a good government-guaranteed pension.
Statistics: Posted by delamer — Sun Feb 08, 2026 2:35 pm — Replies 22 — Views 732