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 formula: 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.

Jay explores 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 Jay unpacks the dangers of outdated assumptions, showing how inflation, higher interest rates, and synchronized stock-bond declines have shaken retirees’ confidence.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 t ...