Cullen Roche ✓

@cullenroche · Encinitas, CA · joined 27 Feb 2009

Founder & CIO @disciplinefunds 📊 | Author of Your Perfect Portfolio & Pragmatic Capitalism 📖| Defined Duration Investing ⌛| Board at Cambria ETFs 💸

98 231Followers

2 052Following

44 563Posts total

275.4KViews on collected posts

Neueste Beiträge

Cullen Roche ✓@cullenroche3 Sep

I'll be at Future Proof this year. If you are into leg day or asset liability matching let's meet up. 4.8K views · 19 likes · 0 reposts · 4 replies Open on X →

Cullen Roche ✓@cullenroche3 Sep

FUTURE PROOF 2026 WHAT'S GOOD??!!! https://t.co/LzRWBbMoQK https://t.co/T8PLceB6It 7.4K views · 10 likes · 2 reposts · 0 replies Open on X →

Cullen Roche ✓@cullenroche3 Sep

@cullenroche All true. But I’d argue 10% short duration bonds are a substitute for cash, helping mitigate sequence of return risk for retirees. 276 views · 3 likes · 0 reposts · 1 replies Open on X →

Cullen Roche ✓@cullenroche3 Sep

Buffett does 90/10 right. He disaggregates the 10 from the 90. More importantly, Buffett is essentially running an emergency fund which requires liquidity (break glass in case of stock downturn). So he barbells the 10 by making it TBills. That means he actually has access to the 2.2K views · 12 likes · 0 reposts · 1 replies Open on X →

Cullen Roche ✓@cullenroche3 Sep

Here's the problem with a 90/10 portfolio like the one UC just launched as an ETF: When you mix stocks and bonds into a multi-asset instrument you a create a blended instrument that starts to average the characteristics of the two instruments. But the problem is stocks are https 24.6K views · 119 likes · 5 reposts · 23 replies Open on X →

Cullen Roche ✓@cullenroche3 Sep

@EconomPic @choffstein The 90-10 allocation triggers me. The bonds aren't large enough to do anything. And so it's basically just a 100% equity allocation with a dumb return drag. https://t.co/j7y6HtBoKo 26.3K views · 37 likes · 0 reposts · 4 replies Open on X →

Cullen Roche ✓@cullenroche2 Sep

@cullenroche Amazing free money laying around if you have a decent sized pile of savings and are willing to learn the fixed income interface on Fidelity or Schwab. 3.8K views · 19 likes · 0 reposts · 4 replies Open on X →

Cullen Roche ✓@cullenroche2 Sep

For near-term liability matching "TBill and Chill" is still the move. 7.1K views · 26 likes · 2 reposts · 4 replies Open on X →

Cullen Roche ✓@cullenroche2 Sep

The biggest "high yield" savings account in the USA pays 3%. 1 year TBills pay 4.3%. At California's top tax rate you'd need a 4.95% tax equivalent yield from the High Yield Savings Account. They should call these things low yield savings accounts. 109.1K views · 218 likes · 8 reposts · 42 replies Open on X →

Cullen Roche ✓@cullenroche30 Aug

Maybe the two best fitness devices I've ever purchased: 1) Belt squat lever. The ultimate squat machine with no spine compression risk. Absolutely awesome. 2) Assault bike. Great full body cardio machine. Amazing for HIIT workouts and does what it says - assaults your whole 22.9K views · 92 likes · 2 reposts · 14 replies Open on X →

Cullen Roche ✓@cullenroche25 Aug

Druck's been predicting a crisis in US government bonds for 40 damn years and people think AI created an inauthentic narrative here? :-) 23.4K views · 155 likes · 13 reposts · 17 replies Open on X →

Cullen Roche ✓@cullenroche24 Aug

Here's a short interview I did last week. We did a full macro rundown: 1) Labor market stinks, but not collapsing due to AI. Firms are just cautious to hire. 2) No recession on the horizon as the VERY famous Roche Recession Rule shows. :-) 3) Inflation got sticky again. The 9.6K views · 37 likes · 4 reposts · 5 replies Open on X →

Cullen Roche ✓@cullenroche24 Aug

📉 "The linchpin in all of this continues to be these big tech firms continuing to do huge amounts of CapEx" says @cullenroche Massive AI spending is becoming increasingly important to the broader economy and markets. https://t.co/QqdIYpk5oN 10.1K views · 8 likes · 1 reposts · 0 replies Open on X →

Cullen Roche ✓@cullenroche22 Aug

Here’s a new Three Things for your weekend: 1) Why the Treasury Buyback program is like taking Ozempic while eating 4,000 calories a day. 2) Is it FINALLY time to panic about US government debt and an impending crisis? 3) Should you be jumping into 30 years TIPS at 3%? I 23.9K views · 122 likes · 20 reposts · 19 replies Open on X →

Im Vergleich zu Konten gleicher Größe

14 Beiträge aus den letzten 90 Tagen, verglichen mit der Größenklasse 10K–100K Follower. wird weit gezeigt, aber nur wenige dieser Zuschauer reagieren.

Medianaufrufe9 852dieses Konto924Median für 10K–100K

Reichweite, %10.03%dieses Konto3.62%Median für 10K–100K

Interaktion, %0.48%dieses Konto1.52%Median für 10K–100K

Kennzahl	Dieses Konto	Median für 10K–100K	Verhältnis
Medianaufrufe pro Beitrag	9 852	924	10.7×
Reichweite (Aufrufe ÷ Follower)	10.03%	3.62%	2.77×
Interaktionsrate	0.48%	1.52%	0.31×

Weitere Konten dieser Größe → Mit einem anderen Konto vergleichen → Wie diese Vergleichswerte entstehen →

Growth & engagement

How the posts we collected actually performed: views and reaction rate post by post, what the audience did with them, and where the follower count goes.

Views per post

23.9K22 Aug

10.1K24 Aug

9.6K

23.4K25 Aug

22.9K30 Aug

109.1K2 Sep

7.1K

3.8K

26.3K3 Sep

24.6K

2.2K

276

7.4K

4.8K

Last 14 collected posts, oldest on the left. The scale is logarithmic: one post can outrun the rest a hundred times over.

Engagement rate per post

0.69%22 Aug

0.10%24 Aug

0.48%

0.80%25 Aug

0.47%30 Aug

0.25%2 Sep

0.45%

0.61%

0.16%3 Sep

0.61%

0.60%

1.45%

0.19%

0.48%

Reactions — likes, reposts, replies and quotes — divided by views. Median for 10K–100K accounts is 1.52%.

What the audience does

Likes63.5%877 in total

Reposts4.1%57 in total

Replies10.0%138 in total

Quotes1.3%18 in total

Bookmarks21.1%292 in total

Share of every reaction we collected for this account. Replies mean argument, reposts mean endorsement, bookmarks mean the post was worth keeping.

The follower curve appears once this account has two daily snapshots — we take one a day, and this one is on its first.

Neueste Beiträge

Im Vergleich zu Konten gleicher Größe

Growth & engagement

Views per post

Engagement rate per post

What the audience does

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