Paradox
La paradoja del inaction.
Los mejores portafolios: gente muerta u olvidada.
Cita de Buffett
Wealth transfers from impatient to patient.
What you'll learn
6 conceptos finales.
15-point review
30 min/año.
Decision tree
Flowchart lógico.
Rebalance triggers
5% + annual.
8 life events
8 legítimos.
Age glide
Gradual, planned.
4 principles
4 principles capstone.
15-point review
15 puntos anuales.
30 min. Confirm o identify. NOT act reflexively.
The 15 points
Allocation ±5% del target
Rebalance solo si >5%.
Contributions al max
Verify max cada año.
On track para goal
Compare vs projection.
Beneficiaries actualizados
Critical. Override wills.
TLH opportunity
Solo taxable. Fin de año.
Asset location
Verify BROTH rule.
Fees bajo 0.20%
Red flag >0.30%.
Emergency fund
3-6 meses actualizado.
Insurance actual
Update con life events.
Age glide
Cada 10 años.
Withholding correcto
W-4 optimal.
Deuda cara
Guaranteed > uncertain.
IPS check
Update solo si necesario.
Missing beneficiaries
Consolidate.
IPS alignment
Alignment check.
Decision tree
Decision tree.
Flowchart. Force yourself to pass through.
Steps del tree
6 questions.
Q1: life event? Q2: drift >5%?
Q3: age glide? Q4: fee high?
Q5: TLH? Q6: tax urgent?
When rebalance
3 legitimate triggers.
Calendar
Enero cada año.
5% threshold
Drift >5%.
Life event
Life event.
Regla combinada
Calendar + 5% + life events.
When NOT
Cuándo NO rebalance.
3 situations NOT to rebalance.
- 1
Big taxable gain
Wait for 0% year.
- 2
Major life event soon
Wait for event.
- 3
IPS drift tolerance
Follow IPS strictly.
8 life events
8 legitimate life events.
| Life event | Impact | Action |
|---|---|---|
| Marriage | Filing + combined | Coordinate + beneficiary |
| Kids born | 529 + insurance + beneficiary | 3 immediate steps |
| Home purchase | Down payment + insurance | HYSA + umbrella |
| Job change | Old 401(k) decision | Rollover a IRA |
| Inheritance | Windfall + tax | CPA + slow deploy |
| Divorce | Division + beneficiaries | Immediate + QDRO |
| Illness/disability | Cash flow | More conservative |
| Retirement | Sequence risk | Bucket strategy |
NO son life events
Personal circumstances, not world events.
Age transitions
Age glide path.
5% menos stocks cada 5-10 años.
| Age | Stocks % | Rationale |
|---|---|---|
| 25-35 | 85-90% | Long horizon. |
| 35-45 | 75-85% | Slight moderation. |
| 45-55 | 65-75% | Balance shift. |
| 55-65 | 50-65% | Preservation. |
| 65+ (in retirement) | 40-60% | Bucket strategy. |
Gradual
Small + gradual + market-independent.
No news
No news = good news.
Do nothing until next year. Hardest thing.
Problema psicológico
'Do nothing' feels wrong.
Wiring biológica contra 'do nothing'.
Active patience, not passivity.
Waiting IS the strategy.
Consult advisor
Cuándo advisor.
- 1
$500K + complexity
Scale + complexity.
- 2
Major transition
Irreversible transitions.
- 3
Panic-sold before
History predictor.
- 4
Estate integration
Estate + tax integration.
Cómo NO elegir
Solo fee-only fiduciary.
Roberto 40 years
Roberto y los $4.2M.
Extreme case
Roberto, 1985.
1985. $10K + $200/mes. Then forgot.
4 crashes. 5 job changes. Never touched.
$106K → $4.2M. Won by inaction.
Discipline to leave things alone.
4 principles
Los 4 principles finales.
14 lecciones en 4 lines
Los 4 principles.
1. Simplicity gana.
2. Time vence timing.
3. Discipline vence brilliance.
4. Patience vence effort.
Review mistakes
Errores del review.
Review durante crash
Timing matters.
Change IPS mid-year
Annual updates only.
Compare to peers
Focus on your IPS.
Chase last year
Mean reversion.
Ignore life events
Life events = immediate.
Over-optimizing
Simplicity wins.
Summary
Lo que te llevas.
Do nothing 90%
Forgotten accounts win.
30 min/año
30 min/año protects 30 años.
8 life events
Personal, not world.
4 principles
4 principles = wealth.
Última acción.
60 min = annual setup.
Checklist. Tree. Simulator. Calendar setup.
Go to Annual Review Checklist →Ejercicio FINAL
Quiz final.
Best-performing 401(k)s tenían en common?
- High income
- Sophisticated allocation
- 'Forgotten' o muertas
- Most active
¿Cuál NO es life event?
- Marriage
- Kids born
- Job change
- Election/news
¿Cuándo rebalance según regla 5%?
- Drift 1%
- Drift 3%
- Drift >5%
- Nunca
Roberto's final portfolio?
- $200K
- $800K
- $1.5M
- $4.2M
FAQ
FAQ
¿Frecuencia review?
Annual + triggers only.
¿Cambiar en cumpleaños?
Gradual, not step.
¿Múltiples brokers?
Track total, not silos.
¿15% drift?
Strategic urgency.
¿Revisit IPS?
Confirm, don't change.
¿Consolidar cuentas?
Fewer = simpler = better.
¿CPA para review?
DIY + CPA for complexity.
¿Nunca cambiar?
Nunca cambiar = often optimal.
🎓 Graduation
🎓 Congratulations.
Congratulations!
14 lecciones. 42 resources. 95%+ knowledge.
Los tools son yours. La decisión es tuya.
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Annual Review Checklist
30 min/año protege 30 años.
-
Decision Tree
Anti-emotional structure.
-
Life Event Simulator
Prepare in advance.
'Tiempo, constancia, paciencia — las ventajas más poderosas.'
— Tu Futuro Finanzas · Pillar de Invertir