Are 60/40 Portfolios and Target-Date Funds Still Working — and Where Does Gold Fit in 2026?

The traditional 60/40 portfolio has long been a cornerstone of diversified investing. But the market behavior in 2022 — when both stocks and bonds fell together — challenged many assumptions about how risk is managed.

In this video, we unpack whether the 60/40 approach is still working, why investors in target-date funds should be paying close attention, what the evolving monetary policy landscape could mean for bonds and stocks, and what is currently driving the price of precious metals like gold.

Key Takeaways

The takeaway from this discussion is not that traditional strategies like 60/40 or target-date funds are “wrong,” but that they may not behave the way many investors expect in every market environment.

The events of 2022 showed that stocks and bonds can decline at the same time, that interest-rate risk matters more than many realized, and that diversification requires more than simply owning different asset classes. Combined with a shifting monetary policy landscape and changing global dynamics, it becomes clear that managing risk is more nuanced than following a one-size-fits-all approach.

That’s why investment decisions are best made within the framework of a comprehensive financial plan — one that reflects your goals, time horizon, income needs, and ability to withstand volatility, rather than reacting to loud headlines.

And if you don’t know us yet, we help kingdom-minded people live lives of integrity, generosity, and financial security. If that’s you — and you want to be a faithful steward of whatever God has entrusted to you but aren’t sure where to start — we’d love to help.

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That’s it for today — we wish you the best on your wealth journey.

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