In this episode we answer emails from Andrew, Sean, and MyContactInfo.  We discuss QDSIX and other AQR funds and their approaches, good and bad uses of bond ladders, and macro-issues pertaining to projected global population declines in the future. And THEN we our go through our weekly portfolio reviews of the seven sample portfolios you can find at Portfolios | Risk Parity Radio. Additional links: QDSIX fact page:  AQR Diversifying Strategies Fund - QDSIX Ben Carlson Article on Bond Funds vs. Bond Ladders:  Owning Individual Bonds vs. Owning a Bond Fund - A Wealth of Common Sense Niall Ferguson Article:  Global Population Collapse Isn't Sci-Fi Anymore: Niall Ferguson - Bloomberg Shock of Gray Book:  Shock of Gray: The Aging of the World's Population and How it Pits Young Against Old, Child Against Parent, Worker Against Boss, Company Against Rival, and Nation Against Nation by Ted C. Fishman | Goodreads Hans Rosling's Factfulness:  Factfulness: Ten Reasons We're Wrong About the World – and Why Things Are Better Than You Think by Hans Rosling | Goodreads Hans Rosling Video on Population: Why the world population won’t exceed 11 billion | Hans Rosling | TGS.ORG (youtube.com) Hans Rosling Factfulness Video:  The mindset of factfulness | Hans Rosling | TGS.ORG (youtube.com) Happy Pod:  BBC World Service - Global News Podcast, The Happy Pod: The gift of sight Portfolio Charts Withdrawal Rates Article:  How to Harness the Flowing Nature of Withdrawal Rate Math – Portfolio Charts Portfolio Charts Portfolio Matrix Comparison Tool:  Portfolio Matrix – Portfolio Charts Portfolio Charts Portfolio Risk-Return Comparison Tool:  Risk And Return – Portfolio Charts Support the show