{"id":234570,"date":"2025-11-19T09:45:00","date_gmt":"2025-11-19T14:45:00","guid":{"rendered":"https:\/\/ibkrcampus.com\/campus\/?p=234570"},"modified":"2025-11-20T04:40:15","modified_gmt":"2025-11-20T09:40:15","slug":"more-like-set-it-and-regret-it-what-the-pros-are-using-instead-of-the-60-40","status":"publish","type":"post","link":"https:\/\/www.interactivebrokers.com\/campus\/traders-insight\/securities\/stocks\/more-like-set-it-and-regret-it-what-the-pros-are-using-instead-of-the-60-40\/","title":{"rendered":"More Like Set-It-and-Regret-It: What The Pros Are Using Instead Of The 60\/40"},"content":{"rendered":"\n<p>When stocks and bonds fell in unison, the pros adopted the Total Portfolio Approach. Here\u2019s how it works.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The old 60\/40 playbook has broken down. Big investors now manage risk and return as one connected system \u2013 not separate buckets.<\/li>\n\n\n\n<li>The Total Portfolio Approach lets capital flow wherever risk, liquidity, and opportunity line up.<\/li>\n\n\n\n<li>Retail investors can\u2019t copy a big sovereign wealth fund exactly \u2013 but goal-based, flexible investing will get them pretty close.<\/li>\n<\/ul>\n\n\n\n<p>For years, Strategic\u00a0<a href=\"https:\/\/finimize.com\/glossary\/asset\">Asset<\/a>\u00a0Allocation (SAA) was all the rage in investing.<\/p>\n\n\n\n<p>You\u2019d just decide on a long-term mix \u2013 say, the classic 60\/40 portfolio, with 60% in&nbsp;<a href=\"https:\/\/finimize.com\/glossary\/stock\">stocks<\/a>&nbsp;and 40% in&nbsp;<a href=\"https:\/\/finimize.com\/glossary\/bond\">bonds<\/a>&nbsp;\u2013 and rebalance every so often to keep the levels in check. It was steady, disciplined, and comforting in its simplicity.<\/p>\n\n\n\n<p>But a few years ago, markets&nbsp;<em>shifted<\/em>.<\/p>\n\n\n\n<p><a href=\"https:\/\/finimize.com\/glossary\/inflation\">Inflation<\/a>&nbsp;surged, and everyone suddenly saw that bonds don\u2019t always rise when stocks fall. Sometimes, those two assets fall together. And that made the old 60\/40 balance seem, well, not at all balanced.<\/p>\n\n\n\n<p>That tough lesson has led some of the world\u2019s biggest investors to toy with a new way of thinking \u2013 one that treats the portfolio as a single, living system instead of rigid parts. It\u2019s called the Total Portfolio Approach (TPA). And there\u2019s a lesson in this for retail investors.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-so-what-exactly-is-the-total-portfolio-approach\">So, what exactly is the Total Portfolio Approach?<\/h3>\n\n\n\n<p>If SAA is like sticking to a rigid football formation no matter what, TPA is real-time coaching. It looks at how the entire team is performing and makes changes mid-game \u2013 swapping players, adjusting tactics, moving toward the best opportunities.<\/p>\n\n\n\n<p>Rather than saying &#8220;we must have exactly 60% in stocks&#8221;, TPA investors ask: how much risk are we talking overall? What\u2019s pulling its weight? How do these assets work together?<\/p>\n\n\n\n<p>Capital flows to wherever offers the best returns for the risk taken. If infrastructure looks better than stocks, money moves. If private credit tops corporate bonds, funds shimmy. It&#8217;s dynamic, opportunity-driven, and definitely not set-it-and-forget-it.<\/p>\n\n\n\n<p>Here&#8217;s an example. Let\u2019s say a sovereign wealth fund notices that stocks look expensive, but private infrastructure projects \u2013 toll roads, renewable energy farms \u2013 offer attractive long-term returns with less&nbsp;<a href=\"https:\/\/finimize.com\/glossary\/volatility\">volatility<\/a>. Under the old model, they&#8217;d be stuck if their stock allocation was already at target. Under TPA, though, they can simply adapt, adjusting their allocations to fit the opportunity.<\/p>\n\n\n\n<p>For the professional funds that make this shift, the whole workplace changes. Investment committees stop being organized by asset class \u2013 the stock team versus the bond team \u2013 rather, they collaborate to maximize the portfolio\u2019s overall return. Every decision is measured against actual goals like funding people\u2019s retirements or building sovereign wealth, rather than maintaining arbitrary benchmarks for how much money sits in each bucket.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-the-change\">Why the change?<\/h3>\n\n\n\n<p>The switch to TPA didn\u2019t happen overnight. It\u2019s the result of more than a decade of frustration with static, hard-coded diversification.<\/p>\n\n\n\n<p><strong>First,&nbsp;<a href=\"https:\/\/finimize.com\/glossary\/interest\">interest<\/a>&nbsp;rates stayed near zero for years after the global financial crisis.<\/strong>&nbsp;That made borrowing cheap and risk-taking easy \u2013 great for buying homes and stocks \u2013 but terrible for the part of your portfolio that\u2019s meant to protect you. Bonds were no longer providing income or acting as a buffer, because when yields are that low, their prices have nowhere to go but down when rates rise.<\/p>\n\n\n\n<p><strong>Second, when inflation surged in 2022, stocks and bonds fell together.<\/strong>&nbsp;The 60\/40 portfolio relies on bonds zigging when stocks zag. Instead, both zigged off a cliff at the same time \u2013 exposing just how vulnerable the old strategy can be.<\/p>\n\n\n\n<p><strong>Third, the world became risky in a new way.<\/strong>&nbsp;Powerful governments began using trade as a weapon, wars affected key energy routes, and supply chains that had become densely concentrated in certain parts of the world were suddenly able to spread shocks faster than ever.<\/p>\n\n\n\n<p>A portfolio frozen to old assumptions just couldn\u2019t dodge punches that came from so many new directions.<\/p>\n\n\n\n<p>Big players saw it happening. Canada\u2019s big CPP and OTPP pension funds, New Zealand&#8217;s Super Fund, and Australia&#8217;s Future Fund all started experimenting with TPA years ago. And when 2022 hit, they looked very smart indeed.<\/p>\n\n\n\n<p>TPA lets investors act fast when conditions shift and to spot the risks they didn\u2019t mean to take. When AI stocks boom, every asset-class team might unknowingly pile into similar exposures \u2013 tech stocks, AI-driven infrastructure, AI-linked private credit \u2013 creating hidden risk. TPA makes those overlaps visible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-where-s-the-money-going\">Where\u2019s the money going?<\/h3>\n\n\n\n<p>When the world&#8217;s biggest pools of money start thinking this way, the ripple effects are huge.<\/p>\n\n\n\n<p>More money flows into private markets and alternatives. Because TPA investors aren&#8217;t constrained by those set allocations, they can chase returns in private equity, infrastructure, private credit, and whatever else takes their fancy. Everything essentially competes on the same playing field: a real estate opportunity in Singapore competes directly with tech stocks in Silicon Valley \u2013 and the assets that offer better risk-adjusted returns win the capital.<\/p>\n\n\n\n<p>Correlations matter more. TPA investors obsess about diversification \u2013 not just owning different stuff, but about how assets move in relation to each other.<\/p>\n\n\n\n<p>Liquidity becomes a weapon: investors who manage their cash well can strike when others can\u2019t. That drives lots of demand for liquid alternatives: flexible funds that offer private-market-like returns.<\/p>\n\n\n\n<p>But there are risks, of course. When everyone allocates fast, herding happens fast, too. If global funds are all using similar data and models to decide what\u2019s attractive, they can end up crowding into the same trades \u2013 piling into infrastructure one year, private credit the next \u2013 and then all rushing for the exits when conditions change. That can amplify swings instead of smoothing them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-and-what-does-this-mean-for-regular-investors\">And what does this mean for regular investors?<\/h3>\n\n\n\n<p>You\u2019re probably not running a sovereign wealth fund with hundreds of billions of dollars to manage \u2013 but you can absolutely steal the best moves from those giants.<\/p>\n\n\n\n<p>The retail investing version of this is called &#8220;Goals-Based Investing&#8221;. To use it, you focus on what you need your money to do, and forget about hitting some arbitrary &#8220;60% stocks&#8221; target.<\/p>\n\n\n\n<p>Instead, get specific about what you&#8217;re actually saving for \u2013 retirement in 15 years, buying a home in three years, your kid&#8217;s university expenses in ten years. Prioritize goals like Maslow&#8217;s hierarchy of needs: food, shelter, and medical care come before aspirational stuff like that dream sailboat.<\/p>\n\n\n\n<p>Your entire financial life is already one big portfolio. That includes your investments, sure, but also your home equity, your salary, and even the benefits you\u2019ll draw in retirement. Your earning power is an asset too. So when you&#8217;re eyeing a new investment, don&#8217;t ask &#8220;do I have enough stocks?&#8221; Ask &#8220;will this improve my whole financial picture?&#8221;<\/p>\n\n\n\n<p>Stay flexible, adapt when the world does, and adjust your portfolio when markets throw you opportunities or threaten big losses. Don&#8217;t be stubborn about percentages you dreamed up five years ago when the world was completely different.<\/p>\n\n\n\n<p>And sure, you don&#8217;t have a team of PhD mathematicians or access to private infrastructure deals. But you do have one key advantage: clarity on what matters most to you.<\/p>\n\n\n\n<p>&#8212;<\/p>\n\n\n\n<p>Originally Posted November 18, 2025 &#8211; <a href=\"https:\/\/finimize.com\/content\/more-like-set-it-and-regret-it-what-the-pros-are-using-instead-of-the-6040\">More Like Set-It-and-Regret-It: What The Pros Are Using Instead Of The 60\/40<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When stocks and bonds fell in unison, the pros adopted the Total Portfolio Approach. Here\u2019s how it works.<\/p>\n","protected":false},"author":1290,"featured_media":233975,"comment_status":"open","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6,8,9,22,26,3],"tags":[],"contributors-categories":[13597],"class_list":{"0":"post-234570","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-north-america","8":"category-region","9":"category-securities","10":"category-stocks","11":"category-text-articles","12":"category-traders-insight","13":"contributors-categories-finimize"},"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>More Like Set-It-and-Regret-It: What The Pros Are Using Instead Of The 60\/40<\/title>\n<meta name=\"description\" content=\"When stocks and bonds fell in unison, the pros adopted the Total Portfolio Approach. 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