Finance
Ramin Nakisa: The 90/10 Portfolio Strategy Every Investor Should Know SIH
Date: 2026-09-08 13:05:46
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What if the smartest thing you could do with your portfolio…
Was take LESS risk?
For years, PensionCraft founder Ramin Nakisa was 100% invested in global equities.
Then he changed his mind.
Not because he became bearish…
But because he realized he had already made enough money.
In this week’s Stansberry Investor Hour, Dan Ferris sits down with Ramin for a wide-ranging discussion about portfolio construction, risk, index investing, bonds, market crashes, and his unique 90/10 investing strategy.
After reaching his retirement number, Ramin shifted from 100% equities toward a 60/40 stock-and-bond portfolio.
His reasoning was simple:
He didn’t need the extra return.
So why take the extra risk?
Ramin explains:
• Why he moved away from 100% stocks
• Why today’s bond market looks more attractive
• How diversification can protect investors during crashes
• Why keeping fees low matters so much
• Why a simple global index fund beat his complicated portfolio
• And why knowing your own risk tolerance is critical
But Ramin also admits something…
Index investing is boring.
That’s why he created his 90/10 approach.
He keeps roughly 90% of his investments in a core portfolio that he barely touches.
The remaining 10% is his “toy box”…
Where he experiments with crypto, leveraged trades, copper miners, small caps, and other active investments.
That allows him to scratch the itch to beat the market…
Without putting his entire portfolio at risk.
Dan and Ramin also discuss the rise of passive investing, risks surrounding today’s AI leaders, the Federal Reserve, stock valuations, and why a major market crash isn’t necessarily something investors should fear.
In fact, Ramin says a 50% S&P 500 crash could be the opportunity of a lifetime for some younger investors.
But perhaps his most important lesson has nothing to do with markets.
It’s knowing what’s “enough.”
Once you know how much money you actually need…
It can completely change how you invest—and how you live.
CAN’T WATCH THE FULL EPISODE? START HERE:
1:55 – Why Ramin Moved Away From 100% Stocks
4:11 – Why He No Longer Needs the Risk
5:21 – Does the 60/40 Portfolio Still Work?
9:30 – Building a Better Diversified Portfolio
12:32 – How Ramin Went From Physics to Finance
16:32 – What PensionCraft Teaches Investors
20:03 – Why Ramin Doesn’t Give Stock Tips
24:53 – Why Understanding Finance Changes Everything
30:24 – Why Long-Term Investors Should Ignore the Noise
35:11 – The Advantage of Index Investing
35:43 – Could Passive Investing Break the Market?
40:33 – Why a 50% Market Crash Could Be a Huge Opportunity
43:03 – How to Think About Stocks During a Crisis
48:00 – Ramin’s 90/10 Portfolio Strategy
50:22 – What’s Inside Ramin’s “Toy Box” Portfolio
52:37 – The Most Important Number Every Investor Should Know
