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Using Section 351 Exchanges To Tax-Efficiently Reallocate Portfolios With Embedded Gains

Nerd's Eye View

Following the long run-up in the US equity markets since the bottom of the 2008–2009 financial crisis, many investors with taxable investment accounts have likely found themselves with high embedded gains in their portfolios. While the gains signal portfolio growth, they also create challenges for ongoing management.

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The Four Most Dangerous Words In Investing Are: ‘This Time It’s Different.’ – Sir John Templeton

Yardley Wealth Management

Think of investors who sold during the financial crisis of 2008-09, only to miss one of the strongest bull markets in history. 8 Asset allocation is an approach to help manage investment risk but it does not guarantee against investment loss. As the chart illustrates, timing the markets rarely works.

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Nouriel Roubini Enters The ETF Fray

Random Roger's Retirement Planning

There's no fact sheet yet and while the holdings are available, the asset allocation is vague without calculating the spreadsheet yourself which I did (hopefully correctly). And since the other funds came along, RYMFX has shown to not be such a great representation of the strategy even though it helped in 2008.

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Set But Don't Forget

Random Roger's Retirement Planning

GAA stands for Global Asset Allocation and it has been lagging for 15 years. We spend a lot of time here on how to diversify to try to smooth out the ride and how to hold up better when markets have a year like 2022 or 2008. Here's a great chart to illustrate the point. GAA consistently had smaller drawdowns.

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Transcript: Jeffrey Becker, Jennison Associates Chair/CEO

The Big Picture

00:11:32 [Speaker Changed] Yeah, it, it happened because of another crisis In 2008, the, the great financial crisis ING had had gotten overexposed in, in, in mortgages and had to take a loan from the Dutch state to shore up their tier one capital ratios. So 2008, you know, as you remember, Barry fourth quarter was chaotic.

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Transcript: Jonathan Clements

The Big Picture

And then when I left the journal for the first time in 2008, they said, well, who should we hire to replace you? 00:16:42 [Speaker Changed] Coming into sort of late 2008, I think, if I recall correctly, I was somewhere between 70 and 80% stocks by that point. I did it in 2008 in oh nine. I said, Jason’s wife.

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Transcript: Richard Bernstein, CEO / CIO of RBA

The Big Picture

But in 2008 in the financial crisis, I turned 50. The sell side indicator is a sentiment indicator that’s based on Wall Street’s consensus, recommended asset allocation. But rather, you know, we look at size, style, geography, and, you know, asset allocation, things like that. Everything will be fine.

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