Episode 282: A Long Letter Of Gratitude, Principles, Assorted Asset Considerations And Portfolio Reviews As Of August 11, 2023

<p>In this episode we answer emails from Kevin, Philip and Brown.  We discuss (and thank) our generous listeners, our three principles -- Simplicity,  Macro-allocation and Holy Grail -- and why they need to work together, using conservative portfolios for accumulation, investing in international funds in a sensible manner to maximize diversification and international currency risks, investing in utilities funds (listen also Episode 27) and property &amp; casualty insurance companies.  Whew!<br/><br/>And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at <a href='https://www.riskparityradio.com/portfolios'>Portfolios | Risk Parity Radio</a>.<br/><br/>Additional links:<br/><br/>Father McKenna Center Main Donation Page:  <a href='https://fathermckennacenter.org/how-you-can-help/donate/'>Donate - Father McKenna Center</a><br/><br/>Walk4McKenna:  <a href='https://fathermckennacenter.org/walk4mckenna/'>Walk4McKenna - Father McKenna Center</a><br/><br/>Holy Grail Principle Video:  <a href='https://www.youtube.com/watch?v=Nu4lHaSh7D4'>Ray Dalio breaks down his &quot;Holy Grail&quot; - YouTube</a><br/><br/>Portfolio Visualizer Backtest of Utilities vs. REITs vs. P&amp;C Insurance:  <a href='https://www.portfoliovisualizer.com/backtest-portfolio?s=y&amp;timePeriod=2&amp;startYear=1985&amp;firstMonth=1&amp;endYear=2023&amp;lastMonth=12&amp;calendarAligned=true&amp;includeYTD=false&amp;initialAmount=10000&amp;annualOperation=0&amp;annualAdjustment=0&amp;inflationAdjusted=true&amp;annualPercentage=0.0&amp;frequency=4&amp;rebalanceType=1&amp;absoluteDeviation=5.0&amp;relativeDeviation=25.0&amp;leverageType=0&amp;leverageRatio=0.0&amp;debtAmount=0&amp;debtInterest=0.0&amp;maintenanceMargin=25.0&amp;leveragedBenchmark=false&amp;reinvestDividends=true&amp;showYield=false&amp;showFactors=false&amp;factorModel=3&amp;portfolioNames=false&amp;portfolioName1=Portfolio+1&amp;portfolioName2=Portfolio+2&amp;portfolioName3=Portfolio+3&amp;symbol1=VPU&amp;allocation1_1=100&amp;symbol2=VNQ&amp