Random Roger's Retirement Planning

NOVEMBER 24, 2023

Then at some age beyond the typical range of middle-age, and advisor should be able to swing retiring financially speaking. Additionally it is my preference to not retire as I've mentioned many times so having a normal allocation to equities is not ideal in my case. I have about 20-25% in equity exposure.

Clients 53

Clients Retirement Taxes Accounting 53

Random Roger's Retirement Planning

JUNE 5, 2024

Starting back in 2007 or 2008 I wrote about his barbell portfolio idea that goes very high risk with 10% of the portfolio in search of asymmetric returns and then very conservative with the other 90%. It's an interesting idea and if CAOS turns out to not be the answer, maybe something else in the future will be.

Portfolio 64

Portfolio Retail Investing Investments 64

Carson Wealth

MARCH 11, 2024

The S&P 500 fell an eventual 57% from its October 2007 peak before bottoming on March 9, 2009, and finally ending the global financial crisis (GFC) bear market. Retirement funds had been demolished and there was very little hope. For anyone who remembers that time, it was truly a frightening period in history.

Marketing 97

Marketing Marketing Economy Retirement 97

Nationwide Financial

JUNE 5, 2023

A recent survey from the Nationwide Retirement Institute® uncovered topics business owners are looking to discuss including economic pressures and business-specific challenges such as access to capital, the tight labor market, employee benefits, and supply chain disruptions. Many are actively seeking the guidance of a financial professional.

Economics 52

Economics Risk Management Clients Financial Services 52

Random Roger's Retirement Planning

OCTOBER 15, 2022

For a little context, from the S&P 500's peak in October 2007 to the low in March 2009 when the index dropped 55%, VBAIX was down 37%. The 4% rule is of course the most basic, most elementary rule of thumb for sustainable withdrawals in retirement. this year versus down 24.8% for the S&P 500. The 4% rule was based on this too.

Engineering 90

Engineering Portfolio Retirement Numbers 90

Trade Brains

APRIL 17, 2023

One of the first reforms he put in place was setting a retirement age. According to this policy, the retirement age for directors was set at 70 and senior executives at 65. Mody was sacked after a messy scrap, Seth and Kerkar retired over the years as they crossed the age limits and Palkhivala quit citing ill health.

Retirement 98

Retirement Engineering Manufacturing Ethics 98

Random Roger's Retirement Planning

SEPTEMBER 19, 2022

When I first was using a managed futures fund for clients, so talking 2007 or so, I stumbled into the idea that part of the past success came from interest earned on T-bills. Managed futures goes long and short some number of futures contracts that are collateralized by cash and cash equivalents like very short term T-bills.

Assets 57

Assets Clients Management Accounting 57

Random Roger's Retirement Planning

DECEMBER 10, 2023

There was a lot of content from various places over the weekend about whether it is time to go back into bonds, what retired investors should do for yield and even whether retirees are better off going 100% into equities. We can start with Barron's which suggests it is time to "buy bonds" as the "60/40 bounces back."

Portfolio 58

Portfolio Math Assets Retirement 58

Random Roger's Retirement Planning

JANUARY 22, 2024

Back in 2006 and 2007 there were far fewer funds available to help offset large stock market declines. There is a secondary, more subtle point that relates to portfolio construction and portfolio theory as we discuss here and as I have implemented into client accounts.

Portfolio 62

Portfolio Accounting Clients Portfolio Management 62

Clever Girl Finance

SEPTEMBER 4, 2022

It’s been Walmart’s slogan since 2007 , and it’s a useful motto that can apply to your own life too. Improve your life by investing for retirement. We couldn’t talk about saving money without discussing the big “R”: retirement. A higher savings rate can help you retire sooner. Use a high-yield savings account.

Food 66

Food Retirement Budgeting Accounting 66

Clever Girl Finance

SEPTEMBER 13, 2022

Retired or Limited Hermes Constance bag sizes. While the fashion Maison is still manufacturing all the above Hermes Constance sizes, various limited editions have been retired or are created in limited quantities/editions. The Hermes Constance 23 is a retired model introduced in 2007 and discontinued in 2009.

Retirement 52

Retirement Budgeting Commission Retail 52

Mr. Money Mustache

MAY 20, 2022

Even Mr. Money Mustache, as a person who retired 17 years ago, is still in this boat for the simple reason that my retirement income from dividends and hobby businesses is still greater than my annual living expenses (which still hover around $20,000 per year). (It’s the current blowup) -20% so far What’s your guess?

Marketing 55

Marketing Marketing Retirement Investing 55

Random Roger's Retirement Planning

OCTOBER 19, 2023

I wrote about it a couple of times for TheStreet.com, most recently on May 22, 2007. A funny note about PSP. The title of that article was Buyout Bust? Steer Clear of Private Equity ETF. Ok, I didn't like then, it's been a stinker and I would still avoid it.

Asset Allocation 55

Asset Allocation Portfolio Assets Taxes 55

The Irrelevant Investor

DECEMBER 2, 2020

Kleinfeld was coked out of his mind" Sexy Beast, 2000 An ex-hitman tries to retire, but his boss won't let him. Alpha Dog, 2007 A drug dealer is owed money from one of his customers, so he decides to kidnap his brother and hold him for ransom. Eastern Promises, 2007 The Russian mob doing Russian mob things. "I Insinnuendos."

Retirement 52

Retirement Banking Numbers 52

Random Roger's Retirement Planning

SEPTEMBER 18, 2022

Here's a MarketWatch article quoting me in 2007 about managed futures. Try to figure out the simple and obvious questions and risks, make sure you're not over exposed to those risks and then diversify your diversifiers.

Portfolio 70

Portfolio Clients Management Marketing 70

The Irrelevant Investor

NOVEMBER 14, 2021

from September to October, the highest increase since February 2007.* The key to early retirement is making your Grape Nuts at home **I'm definitely less confident in this assertion than I was a couple of months ago The post How Much Does Inflation Cost? It's not just milk and gas. The question now is, where do we go from here?

Retirement 52

Retirement Economy Accounting Marketing 52

Random Roger's Retirement Planning

FEBRUARY 7, 2023

Read the article but substitute ETF anytime it uses the word alternatives or any synonyms because this article read like one of the countless late to the part articles about ETFs from 2007 to maybe 2010.

Planning 56

Planning Management Investing Investments 56

Random Roger's Retirement Planning

DECEMBER 3, 2023

It's total return CAGR going back to 2007 was +5.29% and price-only was -3.50%. The Cohen and Steers Closed End Opportunity Fund (FOF) was the one closed end fund of CEFs that I found, I'm sure there are others though. It currently yields 10.55%. The last five years though tell a much different story.

Portfolio 64

Portfolio Accounting Numbers Management 64

Random Roger's Retirement Planning

JULY 8, 2023

Remember, the peak in the S&P 500 in October, 2007 was 1565. That is not guessing what markets will do, that is just managing asset allocation and cash needs. Then it more than cut in half but is now at 4400. As bad as 2008 was, we're 3x from there.

Asset Allocation 60

Asset Allocation Math Portfolio Assets 60

Random Roger's Retirement Planning

DECEMBER 14, 2022

Then in June of 2007, so he was 76 and still qualified as a wildland firefighter, we had the Midnight Fire. We worked on it for a couple of hours with a Forest Service crew who hiked in from the other direction. We got there first. There wasn't much flame but a lot of work for how much duff there was to churn up.

Engineering 40

Engineering Recruitment 40

Trade Brains

OCTOBER 4, 2022

During his tenure, he scaled the bank multi-fold and became the longest-serving managing director of a private Indian bank till his retirement in 2020. . Incorporated in 2007, Bajaj Finserv is the holding company of multiple financial services businesses of the Bajaj Finance Group. 852,000 EPS (Rs.) Book Value (Rs.) 446 Stock P/E 21.5

Manufacturing 52

Manufacturing Banking Pharmaceutical Financial Services 52

Random Roger's Retirement Planning

APRIL 8, 2023

Years ago, maybe 2007, I said no to being a partner at my firm. I've talked a lot about the need to figure ourselves out to make sure we are targeting the outcomes we actually want. The work episode helped me better understand how much value I place on simplicity. The reasoning was very simple.

Insurance 88

Insurance Compliance Engineering Planning 88

The Big Picture

MARCH 3, 2023

By then, we began to have meaningful assets in our savings/retirement accounts and the bear markets had a bigger economic impact on those finances. 2000-13 : Secular bear market did not make new highs until March 2013 2018 : ~20% pullback as the economy slowed, FOMC hiked.

Marketing 335

Marketing Marketing Economics Portfolio 335

The Big Picture

JULY 11, 2023

Jim is now retired, but I know his son Patrick took over. We actually acquired in 2007 a local asset management. RITHOLTZ: Buy a house, retirement… JOHNSON: Kids’ education, whatever. RITHOLTZ: Right, because there’s no reason to put an ETF there. Very few things. But it’s a great product.

Management 217

Management Investing Investments Assets 217

The Better Letter

FEBRUARY 8, 2024

Brady is now retired as a seven-time Super Bowl champion, five-time Super Bowl MVP, 15-time Pro Bowler, and three-time NFL MVP. Brady was the 199th pick of the 2000 draft, selected by the New England Patriots after six other quarterbacks, including the likes of Giovanni Carmazzi, Chris Redman, and Spergon Wynn. The rest became history.

Numbers 92

Numbers Education Management Math 92

The Better Letter

MARCH 30, 2023

The exceptions were (a) two excellent QBs who won Super Bowls in years that weren’t their best (2007 season Eli Manning and 2008 season Ben Roethlisberger), (b) two QBs who had stellar playoff runs before mean reverting (Joe Flacco and Nick Foles), and (c) the only two true outliers (Brad Johnson and Trent Dilfer).

Numbers 80

Numbers Investing Investments Advertising 80

Walkner Condon Financial Advisors

FEBRUARY 6, 2024

The emerging markets asset class outperformed all others in 2003, 2005, 2007 and 2009, while finishing second in 2004, 2006, and 2012. large cap stocks in 2003-2007 and underperformance in 2019-2023. In contrast, Emerging Markets over the 2003-2012 period provided investors with Doc Brown’s requisite 1.21 Sounds unstoppable, right?

Assets 59

Assets Investing Investments Marketing 59

The Big Picture

FEBRUARY 6, 2024

And that a bit of that cult, Dick and Ike are both retired now. And I very much get the sense he has no interest in retiring. 00:21:26 [Speaker Changed] In isolation quality on average gives you downside protection, certainly did in 2007, eight for example. Ike was similarly international stocks.

Valuation 130

Valuation Investing Investments Assets 130

The Irrelevant Investor

JANUARY 19, 2019

With people living longer than ever, we need to expect and be prepared to fund a long retirement. Bogle (Hoboken, NJ: Wiley, 2007). It means having a pro- cess. The stock market throws far too many curve balls for you to wing it. In order to do this, you, like Bogle, need to find what works for you!

Assets 52

Assets Management Investing Investments 52

Brown Advisory

JUNE 12, 2017

In the last 10 years, 2007 through 2016, Berkshire’s shareholders’ equity per share and share price compounded at roughly 9.3% Since May 2007, Buffett estimated Berkshire had compounded its intrinsic value at roughly 10%, but he thought 10% would be difficult to achieve in the next decade if interest rates stay as low as they are currently.

Investing 52

Investing Investments Ethics Taxes 52

Brown Advisory

JUNE 12, 2017

In the last 10 years, 2007 through 2016, Berkshire’s shareholders’ equity per share and share price compounded at roughly 9.3% Since May 2007, Buffett estimated Berkshire had compounded its intrinsic value at roughly 10%, but he thought 10% would be difficult to achieve in the next decade if interest rates stay as low as they are currently.

Investing 52

Investing Investments Ethics Taxes 52

The Irrelevant Investor

JUNE 15, 2019

Automatic enrollment has tripled since 2007. Outside of a retirement account, I see nothing wrong with holding six months of living expenses or something like this. Inside a retirement account, I can't think of a good reason why 9% of your portfolio should be earning next to nothing. This is a beautiful chart.

Asset Allocation 52

Asset Allocation Retirement Accounting Distribution 52

The Big Picture

AUGUST 15, 2023

SEIDES: John Yeah, I said back then, the bet started in 2007 and I say today, being in the market and investing in hedge funds is completely apples and oranges. This is the summer of 2007. RITHOLTZ: 2007. So back in 2007. Probably the first one I’m ready to retire, which is a post-lockdown question.

Management 130

Management Investing Investments Government 130

The Big Picture

SEPTEMBER 12, 2022

At Citi, in 2007, fantastic timing, you take over as Head of Structured Solutions. And so, 2007, I came over to Citi. And when you think about market timing was 2007 the best time to — to make a move, but it ended up being a perfect time actually long-term for — for my career. BITTERLY MICHELL: Always risk.

Clients 293

Clients Wealth Management Investing Investments 293

The Big Picture

MAY 9, 2023

RITHOLTZ: what we’re really talking about is, hey, we have a bunch of people retiring in 10 years and we expect to have to pay out X dollars. One, when people have asked me to compare and contrast today versus 2007, 2008, what you hear from a lot of people is, yes, there’s some fairly heady valuations. SALISBURY: Sure.

Assets 293

Assets Clients Investing Investments 293

The Big Picture

AUGUST 8, 2022

So, until the financial crisis of 2007 and 2009 or however you go — you actually time it, I was in this finance bubble. And then I got more interested in kind of governance but governance in the narrow sense, corporate governance and contract, which was all about the problems between shareholders and managers.

Banking 201

Banking Government Insurance Taxes 201

The Big Picture

SEPTEMBER 19, 2023

Institutional Investor ) • Confirmed: The iPhone 15 is the most affordable iPhone since 2007 : Here’s the full chart of every iPhone’s retail price in 2023 dollars, grouped similar models (Pro, Pro Max, Mini, ect.) Previously, she was Chief Investment Officer of Hawaii’s Employees’ Retirement System (“HIERS”).

Retail 144

Retail Startup Medical Economy 144