Random Roger's Retirement Planning

DECEMBER 2, 2024

If you put 3% into Ariba Networks into a diversified portfolio in 2000 or bought a house you could comfortably afford in 2007 then you had a setback but weren't blown up. I posted the above joke on Bluesky a few days ago. This person will get blown up if anything bad ever happens, absolutely destroyed.

Taxes 52

Taxes Portfolio Investing Investments 52

Random Roger's Retirement Planning

JULY 11, 2025

Sidebar, if you were in markets in the late 90's into the early 2000's, that last line might remind you of Alberto Vilar saying that Yahoo was going to be the next Yahoo.

Valuation 45

Valuation Clients Taxes Marketing 45

Random Roger's Retirement Planning

NOVEMBER 12, 2024

PKW has been about 2000 basis points better than SYLD. Shareholder yield and buybacks tracked very closely to each other which makes sense until very recently. Early on SYLD lagged MCW badly but PKW was pretty close until it wasn't. There should be times where it is the best too but value investors have been waiting a long time.

Numbers 59

Numbers Assets Marketing Marketing 59

Random Roger's Retirement Planning

JUNE 9, 2025

From March, 2000-March, 2003 the S&P 500 negatively compounded at 13.95%. The driver of this result of course is that 2 and 3 avoid the volatility of bonds with duration that funds like AGG and VBAIX will take on. Knowing what to avoid can be more important than knowing what to include.

Portfolio 59

Portfolio Distribution Management Taxes 59

Random Roger's Retirement Planning

JANUARY 1, 2025

The second backtest also cuts out the lost decade of the 2000's. Actually, the lost decade up until the end of 2007 was pretty good for this concept using 25% into ULPIX instead of SSO. So the problem was the Financial Crisis, this idea unravels holding through the financial crisis.

Retirement 52

Retirement Portfolio Clients Assets 52

Random Roger's Retirement Planning

JUNE 8, 2025

At 50, having $200,000 in retirement savings is far from rich but it is not nothing, that would be a useful piece of money and it wouldn't have taken a crazy high income starting in 2000 to have that much now. According to Copilot, $240/mo at an annualized 6% would be $200,000 today.

Wealth Accumulation 45

Wealth Accumulation Retirement Accounting Taxes 45

Random Roger's Retirement Planning

JULY 13, 2025

If this couple planned it out well, maybe their $2000/mo mortgage gets paid off right as they are retiring. Hopefully they're saving a little bit, call it 10% or $10,000 and their net is $75,000 (a little more than that for the tax not owed on their 401k contributions).

Retirement 59

Retirement Math Numbers Taxes 59

Random Roger's Retirement Planning

AUGUST 18, 2022

Get out a spreadsheet, list your fixed expenses, list out what you typically spend on discretionary stuff, add it all up and pad it by $1000 or maybe $2000 depending on how lucky you are/are not with one-off expenses like vet bills, new tires and all the rest of things like that. That's the number you need to cover.

Retirement Planning 92

Retirement Planning Retirement Planning Asset Allocation 92

The Chicago Financial Planner

FEBRUARY 5, 2022

Rams) won in 2000 and the market dropped. Related Posts: Five Things to do During a Stock Market Correction Is a $100,000 Per Year Retirement Doable? Some notable misses for the indicator include: St. Louis (an old NFL team that was formerly and is now again the L.A. Photo credit: Flickr.

Investing 185

Investing Investments Financial Planner Risk Tolerance 185

Cordant Wealth Partners

SEPTEMBER 8, 2022

These are target date funds with a range of target retirement date options and levels of risk. The Microsoft 401(k) retirement plan offers many excellent choices among actively managed and index funds. The Plan is subject to change by Microsoft. Please see your latest Plan document for the most up-to-date information.

Retirement Planning 52

Retirement Planning Retirement Planning Taxes 52

Integrity Financial Planning

JULY 20, 2022

Brian shares what he tells clients about investing and retirement planning. For instance, Tom Brady, the greatest of all time, was 199 th pick when he was drafted in 2000. Similarly, investors who want to plan their own retirement might pick stocks based on emotions that they later regret.

Investing 98

Investing Investments Retirement Retirement Planning 98

Walkner Condon Financial Advisors

OCTOBER 18, 2023

Financial advisors spend the majority of our careers understanding the financial aspects of retirement; has the client saved enough to sustain through the remainder of their lives, is there a risk that they may “overspend” their plan, and what unforeseen risks may come their way as they navigate the next 20-40 years of their lives.

Retirement 105

Retirement Financial Advisor Retirement Planning Clients 105

Integrity Financial Planning

MARCH 16, 2023

Somewhere around 1999 and 2000, television started to change. Before Netflix and streaming services pumped out shows as 8-hour binges, the following shows of the early 2000s began to set the groundwork for popular shows like Game of Thrones and Stranger Things. They turned television into a medium for long-form, poetic storytelling.

Retirement 95

Retirement Financial Planning Retirement Planning Advertising 95

Random Roger's Retirement Planning

SEPTEMBER 16, 2022

If we're thinking about risk planning for the next ten years, I might wonder about a lost decade for US equities like we had from 2000-2010 and whether that might mean foreign equities rotate back into favor like they were back in 2000-2010. It's good to start thinking about these things ahead of time.

Planning 98

Planning Portfolio Clients Investing 98

The Irrelevant Investor

JANUARY 18, 2020

Articles Analysts have the second highest set of future earnings expectations for growth stocks since 2000. By Patrick O'Shaughnessy Expecting companies to sponsor retirement plans is like demanding that a dog dance; it may comply, but neither well nor happily.

Retirement Planning 52

Retirement Planning Retirement Economics Planning 52

Good Financial Cents

APRIL 1, 2023

When you turn age 72, you’re required to begin receiving distributions from the plan. This is always true when neither you nor your spouse are covered by an employer-sponsored retirement plan. The numbers are different if you’re not covered by an employer-sponsored retirement plan, but your spouse is.

Planning 95

Planning Distribution Taxes Retirement Planning 95

Random Roger's Retirement Planning

SEPTEMBER 20, 2023

We've looked at these a couple of times over the years, back in the 2000's I accessed the space through a closed end fund that had a high yield, higher than what the space typically offers, thanks to the leverage inherent in the closed end universe.

Portfolio 96

Portfolio Clients 96

Random Roger's Retirement Planning

APRIL 17, 2024

That period ending in May 2000 was relatively bad for PRPFX. I'd argue it all worked out in the end but imagine how you might handle being that far behind in early 2000. That would not have been easy of course there was no way to know how well gold was about to do to help PRPFX catch up over the next few years.

Portfolio 102

Portfolio Asset Allocation Advertising Numbers 102

Random Roger's Retirement Planning

SEPTEMBER 21, 2023

Unlike the decade long round trip to nowhere for equities in the 2000's, bond ETFs don't necessarily need to go back to where they were. I've seen a couple of references to a big, really big, round trip in price for fixed income ETFs. That image is from Stocktwits. Notice the CAGRs.

Assets 96

Assets Marketing Marketing 96

International College of Financial Planning

NOVEMBER 10, 2021

There are less than 2000 people in India who have qualified CFP. Retirement Planning Course – Retirement planning is gaining huge popularity among Indians. High disposable incomes and high-spending lifestyles have been encouraging Indians to plan for their retirement to ensure they continue to live their dreams.

Investment Advisor 52

Investment Advisor Investing Investments Certified Financial Planner 52

Fortune Financial

JULY 12, 2023

Additionally, the study found that from 2000 to 2023, benefits under Social Security COLA increased by 78% or 3.4% In 2023 terms, the retiree would only be able to purchase $64 of goods and services that would have bought $100 worth in 2000. annually, while overall goods and services purchased by retirees rose 141.4%

Healthcare 52

Healthcare Retirement Budgeting Retirement Planning 52

Fortune Financial

JULY 12, 2023

Additionally, the study found that from 2000 to 2023, benefits under Social Security COLA increased by 78% or 3.4% In 2023 terms, the retiree would only be able to purchase $64 of goods and services that would have bought $100 worth in 2000. annually, while overall goods and services purchased by retirees rose 141.4%

Healthcare 52

Healthcare Retirement Budgeting Retirement Planning 52

Random Roger's Retirement Planning

DECEMBER 15, 2024

There was an odd and I believe inaccurate emphasis on workplace retirement plans pivoting from defined benefit plans (pensions) to defined contribution plans (401k) starting around the turn of the century. People entering the workforce in 2000 were not the 401k guinea pigs. That is Rooster. Rooster loves duck toys.

Retirement 52

Retirement Retirement Planning Numbers Planning 52

The Irrelevant Investor

JUNE 23, 2017

What would that do to people's retirement plans? If 2000 was fool me once and 2008 was fool me twice, what would 2019 be? The United States has experienced just six distinct bear markets since The Great Depression: 1929, 1937, 1969, 1973, 2000, and 2008. What would happen if stocks crash?

Retirement Planning 52

Retirement Planning Valuation Marketing Marketing 52

Random Roger's Retirement Planning

OCTOBER 27, 2024

Yes, there is absolutely the possibility that the period that someone needs to do this looks like the 2000's or maybe David Kostin of Goldman Sachs will turn out to be right about 3% annualized growth over the next 10 years. But what retirement plan doesn't need some level of resilience in the face of some sort of adverse market sequence?

Portfolio 52

Portfolio Accounting Retirement Retirement Planning 52

Random Roger's Retirement Planning

AUGUST 12, 2023

In the 80's and 90's domestic outperformed, for most of the 2000's foreign outperformed and we are now in a 12 or 13 year run of domestic outperforming. In the 2000's I was much heavier in foreign than I have been for the last 10 or 12 years.

Engineering 75

Engineering Marketing Marketing Taxes 75

The Irrelevant Investor

NOVEMBER 12, 2015

while the average CAPE since the year 2000 has been over 25." With millions of Americans shoveling money into their retirement plans every month, there is a much greater demand for stocks than their was in the first half of the twentieth century. The average CAPE for the decade immediately following WWII was 12.4,

Valuation 52

Valuation Retirement Planning Accounting Sales 52

Random Roger's Retirement Planning

MAY 6, 2024

In 2000, BPLSX outperformed by 69%, in 2001 it outperformed by 37%, 22% in 2002 and 46% in 2009. That is not a bad result but might be less than you'd think when looking at the CAGR numbers. I outlined the four years that account for just about all of the long term outperformance.

Assets 98

Assets Portfolio Taxes Numbers 98

Random Roger's Retirement Planning

OCTOBER 21, 2022

Willie Delwichie Tweeted out that all of the S&P 500's gains since 2000 have come when the VIX was above 28.5 Factors are things like momentum, low volatility, buy backs, even value and of course earlier this year funds started trading that track the night anomaly where buying at the close and selling at the open outperforms buy and hold.

Retirement 70

Retirement Management Numbers Portfolio 70

Random Roger's Retirement Planning

AUGUST 12, 2024

From the high in 2000 it took until 2019 to double. Or you could look at the 2007 high which was within a few points of the 2000 high and say it took 12 years to double. From the high in 1968, it took 18 years to double which is a very long time of course.

Asset Allocation 52

Asset Allocation Portfolio Portfolio Management Assets 52

WiserAdvisor

JUNE 13, 2023

Retirement planning focuses on the steps you need to take to achieve your desired retired life, such as saving and investing wisely, creating a budget, and considering your healthcare needs. However, it is also essential to be aware of the potential pitfalls and things to avoid during the retirement planning process.

Retirement 40

Retirement Retirement Planning Healthcare Financial Advisor 40

Random Roger's Retirement Planning

JULY 14, 2023

This happens every so often, probably does not indicate a healthy market but as we saw in 2020, it can resolve by the rest of the market catching up, it doesn't have to result in a 2000-era bubble popping. I have no idea if the rest of the market will catch up or if this one will end very badly, we have no control over that.

Portfolio 73

Portfolio Risk Management Accounting Taxes 73

Random Roger's Retirement Planning

JULY 20, 2023

Examples of this type of expense include $450 for tax prep, $500 for firewood, $2000 for homeowners insurance and so on. This list starts the year at about $9000 including $2000 for property tax. There a column off to the right of the various monthlies where I track things that are not monthly but maybe annual or twice per year.

Retirement 75

Retirement Budgeting Taxes Accounting 75

Random Roger's Retirement Planning

SEPTEMBER 18, 2022

A little exposure to something like TLH, that's merely unfortunate kind of like the person who put a little into Cisco Systems (CSCO) above $70 back in 2000 and still holds it today at $43. Small allocations don't become impediments to portfolio growth, simply they are laggards.

Portfolio 75

Portfolio Clients Management Marketing 75

Brown Advisory

APRIL 1, 2020

These strategies may include the conversion of an IRA or qualified retirement plan to a Roth IRA , because the tax consequences of such a conversion are based on asset values at the time of conversion, and any future growth in value will avoid income taxation, both within the plan and at the time of distribution to the plan beneficiary.

Strategic Planning 52

Strategic Planning Planning Marketing Marketing 52

Brown Advisory

APRIL 1, 2020

These strategies may include the conversion of an IRA or qualified retirement plan to a Roth IRA , because the tax consequences of such a conversion are based on asset values at the time of conversion, and any future growth in value will avoid income taxation, both within the plan and at the time of distribution to the plan beneficiary.

Strategic Planning 52

Strategic Planning Planning Marketing Marketing 52

Random Roger's Retirement Planning

DECEMBER 10, 2022

Back on October 20th, Willie Delwiche Tweeted about research he did showing that since 2000, all the net gains for the S&P 500 came with the VIX above 28.5. We'll see whether "sophisticated" leads to better nominal returns or better risk adjusted returns but these resonate.

Risk Management 75

Risk Management Assets Clients Government 75