Who is looking out for insurance customers—and who is paying the people who set the standards? Don and Tom examine insurance-industry incentives, questions about the NAIC’s funding and transparency, and why consumers should ask about commissions and costs. Then a listener challenges their take on rising equity glide paths and sequence-of-returns risk. They revisit the competing research and the role of personal risk tolerance, explain AVGE’s fund-of-funds expenses, and compare a broad-market portfolio with a factor tilt.
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