How much of your portfolio should go into life settlements and other alternative investments?

In this episode of Truly Diversified, retirement strategist Ben Mohr breaks down his simple and effective 70/20/10 rule for smart portfolio allocation. He explains why most investors are overexposed to the stock market, how to think differently about diversification, and where alternative assets like life settlements fit into the bigger picture.

You’ll learn how to balance market opportunities with predictable income streams, and how even 5–10% of your portfolio in life settlements can deliver competitive returns—without stock market risk or outside influences from politics, inflation, or global events.

Timestamped Highlights

[00:00 ] – The question every investor asks: “How much should I invest?”

[00:00:45 ] – Why alternatives make people nervous and why they shouldn’t

[00:01:21 ] – How traditional advisors make money through AUM fees

[00:02:00 ] – What “decent returns without stock market risk” really means

[00:03:49 ] – Why diversification inside the market isn’t true diversification

[00:04:54 ] – The 70/20/10 rule: market, safe money, and alternatives

[00:06:00 ] – What a safe money bucket looks like and the only annuity Ben recommends

[00:08:00 ] – Turning part of your IRA into a personal pension plan

[00:11:13 ] – Why safe money isn’t sexy but helps you sleep at night

[00:11:50 ] – The 10% alternative bucket: life settlements explained

[00:12:57 ] – Real payout examples: 10%, 12%, and 20% APRs from life settlements

[00:14:20 ] – Why Ben starts clients at just 5% and never takes more than 10% total

[00:16:00 ] – The key question: “Where is your worst-performing 10%?”

Mentioned Resources

• Equity Life LLC payout case study (20% APR)
• Rule of 72 for compounding returns
• Fixed Indexed Annuity with Income Rider explanation

Important Links

• Book a call to speak with Ben: https://rebrand.ly/life-asset-consult 
• Watch our webinar (no opt-in): https://rebrand.ly/ben-mohr-56b45e 
• Grab our ebook here (no opt-in): https://rebrand.ly/life-asset-ebook 

Truly Diversified is an original podcast brought to you by Ben Mohr and Podcast Your Brand. Production and editing by Podcast Your Brand.