How to Build a Recession-Proof Portfolio (Without Timing the Market)

Recession-proof does not mean never down — it means never forced to sell. This video builds a genuinely resilient portfolio in four layers: the cash layer outside the portfolio, the defensive layer (quality bonds and steady payers), the broad low-cost growth engine, and the written rules layer that protects the other three from your worst day. Includes example mixes by age, the retiree bucket structure, the products sold hardest during fear, and a 90-day build order with no market timing and no predictions. CHAPTERS: 0:00 Recession-Proof: The Honest Definition 1:14 Layer 1: Cash Outside the Portfolio 2:24 Layer 2: The Defensive Layer 3:39 Layer 3: The Growth Engine 5:04 Layer 4: Rules + Mixes by Age 6:27 What Fear Sells You 7:48 Honest Limits + The 90-Day Build 9:17 Recap + The Storm Test Subscribe to Money Decoded — Thursday I walk through investing your very first $100, step by step. Comment: which layer is your portfolio missing? #Recession #Investing #MoneyDecoded

Added 17 Oct 2026