Markets don’t erase risk—they convert it. We take that idea and rebuild a portfolio playbook for a debasement era, where traditional bonds feel shaky, equities look priced for exogenous gains, and investors are piling into gold, Bitcoin, and “boomer candy” buffered ETFs. We unpack what each tool actually does: the three jobs bonds used to do, why gold protects purchasing power but can’t fund groceries, how Bitcoin’s inelastic supply plus ETF flows can drive hyperbolic moves, and where structured products smooth the ride while quietly deleting the income you need in retirement.
We get practical about funding real life. If you’re retiring into the wrong year of a 10‑year cycle, you can’t depend on selling principal during a 20% drawdown. That’s where endogenous return—cash flows from within contracts—earns its keep. We contrast hedged equity and buffered ETFs with a simple beta/cash mix, call out the half‑beta reality many products deliver, and explain when behavior and taxes justify overlays. On the opportunity side, we map contrarian signals: underallocated advisors, crowded shorts, and what euphoria actually looks like before the music stops. Small‑cap value’s long winters and sudden springs remind us that returns arrive in lumps; the job is staying funded and sane until they do.
We also zoom out to decision design. Spot the real Ponzi red flags (steady high monthly “income,” key‑person trading, hidden leverage) and size speculation like a venture bet, not a paycheck. Then apply portfolio thinking to your calendar: outsource low‑ROI tasks to buy family time and reduce injury risk in your “go‑go” years, and be intentionally frugal or intentionally spendy in line with your values. Want more unvarnished research and planning help from people who live this every day? Subscribe, share with a friend who needs a better plan, and leave a review to tell us which risk you’re choosing on purpose.
Find Du Charme Wealth Management here:
https://ducharmewealth.com/
[00:00:00] Risk As Energy, Not Elimination
[00:04:50] Why Gold Helps And Where It Fails
[00:09:30] Positioning, Euphoria, And Contrarian Signals
[00:14:20] Small Value, Lumpy Returns, And Patience
[00:19:05] Buffered ETFs, Hedged Equity, And Hidden Tradeoffs
[00:23:45] Behavior, Beta, And Portfolio Construction
[00:31:10] Intentional Frugality And Risk In Retirement
DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.