January 12, 2026· 54 min

Cullen Roche on the Art of Building a Perfect Portfolio

Cullen Roche

Orality

Model

50%

Speaker Breakdown

HostJoe Weisenthal(1,224 words)

M:94%

HostTracy Alloway(2,480 words)

M:29%

GuestCullen Roche(6,902 words)

M:28%

Oral Indicators

Agonistic46%

literally, completely, very

Engagement77%

you, our, your

Memory Aids100%

listen, now, like

Repetition100%

like (206x), know (147x), it's (104x)

Parallelism100%

And I'm Tracy Alloway...., But I think this is, like, the..., And then suddenly everyone wan...

Sound Patterns61%

72 question(s), alliteration: "markets move", alliteration: "barclays brief"

Formulaic Phrases5%

at the end of the day, i mean, the thing is

Literate Indicators

Hedging7%

may, maybe, fairly

Passive Voice3%

are when, is entitled, been burned

Abstract Nouns13%

investment, recommendation, community

Subordination6%

though, because, although

Sentence Length40%

Avg: 14.9 words/sentence

Word Complexity47%

investment, analyze, anticipate

Academic Markers0%

Impersonal Style23%

909 personal pronouns found

Descriptive Style100%

literally, completely, apply

Description

For a long time, you could make plenty of money and sleep easy at night with a simple 60/40 portfolio. You put 60% of your money in stocks and 40% in Treasuries. The stocks generally went up. The Treasuries cushioned you during times of volatility and provided income. Then we got the worst inflation in 40 years, and the Treasury part of those portfolios got obliterated. So does it still work? And if not, how should an investor think about their own personal allocations to various asset classes. On this episode, we speak with Cullen Roche, the founder and CIO of Discipline Funds and the author of the new book, Your Perfect Portfolio: The ultimate guide to using the world's most powerful investing strategies. His book goes through a number of different ideas in portfolio construction, talking about their pluses and minuses, as well as their history. In this conversation, he explains his general philosophy and how one should think about evaluating a person's circumstances to optimally design an investment portfolio. Subscribe to the Odd Lots Newsletter Join the conversation: discord.gg/oddlots See omnystudio.com/listener for privacy information.

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