The Big Picture

NOVEMBER 27, 2023

When you get it wrong, it crushes your retirement plans. My own track record at making big calls is pretty damned good, but none of our clients wants me slinging around their retirement monies based on my gut instinct. The dotcom top, the double bottom in Oct 02-March 03; the highs in 2007, the lows 2009.

Marketing 300

Marketing Marketing Math Retirement Planning 300

The Chicago Financial Planner

JUNE 13, 2022

For example during the 2008-2009 market debacle I looked at funds to see how they did in both the down market of 2008 and the up market of 2009. If a fund did worse than the majority of its peers in 2008 I would expect to see better than average performance in the up market of 2009. Markets will always correct at some point.

Risk Tolerance 188

Risk Tolerance Marketing Marketing Financial Planner 188

Nationwide Financial

AUGUST 14, 2022

National Financial Awareness Day can be a great time to check in with your clients and discuss credit card debt, check their credit score to make sure they’re where they want to be, help ensure they’re on track for retirement, and so much more. Although 53% isn’t ideal, this number shows improvement from 35% in 2009. Budgeting.

Clients 59

Clients Retirement Planning Retirement Budgeting 59

Ballast Advisors

AUGUST 18, 2023

In its annual Retirement Confidence Survey of current workers and retirees, the Employee Benefit Research Institute found that workers’ confidence in their ability to fund retirement fell by the largest extent since the financial crisis of 2008, to levels not seen since 2018.

Retirement 52

Retirement Taxes Planning Accounting 52

Good Financial Cents

JUNE 11, 2023

This is an excellent tool since most 401(k) plans don’t, any kind of investment management advice. Retirement Planner You can often find retirement planners or retirement calculators on various sites throughout the Internet. They were founded in 2009 and sold to Empowe for up to $1 billion in enterprise value.

Management 80

Management Investing Investments Accounting 80

Random Roger's Retirement Planning

MAY 10, 2023

When you get close to retirement, you know what will matter? What will matter is whether you have enough to retire to the lifestyle you want plus maybe having some sort of margin for error in your accumulated savings. Sure, I'm $200,000 short of my goal but you know what, I beat the market five years in a row from 2009-2013."

Marketing 75

Marketing Marketing Wealth Advisor Retirement 75

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 98

Engineering Portfolio Retirement Numbers 98

SEI

AUGUST 2, 2022

Retirement plan sponsors. We are currently experiencing one of the most volatile times in decades, on top of the start of the pandemic and the 2008-2009 recession. Investments and economy. OCIO/Investment outsourcing. Nonprofits and healthcare organizations. Institutional (US).

Nonprofit 52

Nonprofit Marketing Marketing Risk Management 52

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. Plan for cash flow: Discuss their plan for accessing capital.

Economics 52

Economics Risk Management Clients Planning 52

Random Roger's Retirement Planning

JANUARY 2, 2024

There is tradeoff to being down less which is being up less in years like 2009 and 2023. A smoother ride hopefully reduces the odds of panicking when the market goes down a lot with the idea being that a portfolio constructed to have less volatility than the broad market will probably be down a lot less during years like 2008 or 2022.

Portfolio 75

Portfolio Taxes Clients Marketing 75

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. I outlined the four years that account for just about all of the long term outperformance. For the last ten years, BPLSX's CAGR is a little more than half of the S&P 500.

Assets 98

Assets Portfolio Taxes Numbers 98

Mauldin Economics

MAY 13, 2019

There is, however, a far more stable government-backed system that can boost your retirement plans. Between 2008 and 2009, US consumer spending fell 8.2% And that number is set to drop to 1 within the next decade. This means the government will have no choice but to cut Social Security benefits. This was not an anomaly.

Government 52

Government Budgeting Retirement Planning Economy 52

Random Roger's Retirement Planning

MAY 30, 2023

Running the same study from 2009 to 2021 avoiding those two bad years shows a different result. That worst year column is noteworthy, those numbers come from 2008. 2022 was a similar story with Portfolio 1 down 11.70% versus a drop of 16.87% for VBAIX. VBAIX has a better CAGR with a lower standard deviation.

Portfolio 75

Portfolio Management Investing Investments 75

Random Roger's Retirement Planning

FEBRUARY 9, 2023

The funds did well in the Financial Crisis and they did well in 2022 but from 2009 onward, one of his two long standing funds has a negative annual growth rate and the one with a positive growth rate was less than 1/3 of a plain vanilla 60/40 portfolio.

Asset Allocation 75

Asset Allocation Portfolio Assets Numbers 75

Brown Advisory

MARCH 27, 2020

By comparison, the 2008 Troubled Asset Relief Program (“TARP”) was $700 billion, and the subsequent American Recovery and Reinvestment Act (“ARRA”) of 2009 was $831 billion. Relaxation of Penalties on Early Retirement Account Withdrawals for Virus Related Hardship. Enhanced Charitable Deductions in 2020.

Taxes 52

Taxes Clients Accounting Retirement 52

Brown Advisory

MARCH 27, 2020

By comparison, the 2008 Troubled Asset Relief Program (“TARP”) was $700 billion, and the subsequent American Recovery and Reinvestment Act (“ARRA”) of 2009 was $831 billion. . Relaxation of Penalties on Early Retirement Account Withdrawals for Virus Related Hardship. Enhanced Charitable Deductions in 2020.

Taxes 52

Taxes Clients Accounting Retirement 52

Random Roger's Retirement Planning

APRIL 16, 2023

I've been part of the planning committee for this drill since 2010, maybe 2009 and a participant since 2003. For a volunteer department like ours, there will be some years where the drill is our only live fire hours so it is very important.

Engineering 98

Engineering Planning Accounting 98

Random Roger's Retirement Planning

DECEMBER 7, 2023

That data goes back to 2009. Neither has been close to ANNPX and so the concern is not being able to maintain such a wide lead against the convertible space. It didn't take long though to find a couple of funds I've never heard of that have similar return and volatility profiles. A few posts back we talked about tracking error.

Portfolio 75

Portfolio Management Clients Marketing 75

Random Roger's Retirement Planning

AUGUST 5, 2024

The only variable is how long that all takes.

Taxes 40

Taxes Management Marketing Marketing 40

Good Financial Cents

DECEMBER 9, 2022

That’s how retirement plans and other investment vehicles work. Bonds are debt securities issued by corporations to expand their operations or to retire old bonds. Bitcoin , for example, started at about $1 in 2009 and rose to nearly $69,000 by 2021. This is a very broad category of interest-bearing securities.

Investing 103

Investing Investments Accounting Certification 103

The Better Letter

MARCH 24, 2022

Traditional economics has generally failed to grasp the inherent complexity and dynamic nature of the financial markets, which (utterly chaotic) reality goes a long ways towards providing a decent explanation for the 2008-2009 real estate meltdown and financial crisis that seem inevitable in retrospect but were predicted by almost nobody.

Retirement 52

Retirement Numbers Government Retirement Planning 52

Random Roger's Retirement Planning

MAY 16, 2025

Then at some point I flipped to bullish, probably very close to when this article posted at Seeking Alpha on 12/28/2008 titled 2009: Expecting a Massive Rally. Bearish, bearish, bearish, week after week and I believe I was deemed as being the most accurate of the group.

Portfolio 52

Portfolio Retail Investing Investments 52

Random Roger's Retirement Planning

JULY 24, 2024

From May 2007 to when it bottomed in March 2009, it fell 60%. If you want 100% equities, go for it but if you want something, whether bonds are that thing or not, to cushion equity market volatility, don't use plain vanilla (dividend) equities. I believe the first dividend ETF was the iShares Dividend Select ETF (DVY).

Portfolio 52

Portfolio Taxes Numbers Marketing 52

The Big Picture

DECEMBER 6, 2022

It has to be such a different set, the retirement planning is different, the safety net is different. And also, I think there are a few dynamics, specifically in Spain, where people are really concerned about the sustainability of the traditional pension plans. RITHOLTZ: So you move here from Spain. Wait, markets go down?

Clients 157

Clients Investing Investments Management 157

Random Roger's Retirement Planning

JUNE 27, 2022

Some portion of natural sellers at market bottoms, like March 6, 2009, December 24, 2018 (do you even remember that one?), This happens at market tops and market bottoms and everything in between. March 23, 2020 and on the date when the current event bottoms are selling out of fear in desperation thinking of the short term.

Portfolio 40

Portfolio Assets Economics Planning 40

Good Financial Cents

APRIL 19, 2023

The idea of passive income is to supplement, augment or get you out of your job so you can retire, travel, or spend more time with loved ones. Since Kickstarter’s launch in 2009, 18 million people have backed projects. Passive Income is all about protecting your time. What Passive Income is not. This is active income. Side hustles.

Accounting 106

Accounting Investing Investments Media 106

Brown Advisory

JANUARY 4, 2016

It appears that 2015 will go down as the slowest year for technology IPOs since 2009, according to Renaissance Capital. Institutions, of course, represent the interests of millions of individual investors, whether through mutual funds, retirement plans, insurance companies or other investment accounts.

Investing 52

Investing Investments Numbers Valuation 52

Brown Advisory

JUNE 21, 2017

Exhibit 1 at right illustrates this pattern; for example, it shows clearly how the relative performance of active managers has slipped during the bull market that started in 2009. Reasons for this tendency are varied. Over longer periods, we think active management can add alpha, even in more efficient asset classes.

Investing 52

Investing Investments Portfolio Management 52

Brown Advisory

JUNE 21, 2017

Exhibit 1 at right illustrates this pattern; for example, it shows clearly how the relative performance of active managers has slipped during the bull market that started in 2009. Reasons for this tendency are varied. Over longer periods, we think active management can add alpha, even in more efficient asset classes.

Investing 52

Investing Investments Portfolio Management 52

Good Financial Cents

DECEMBER 28, 2022

Opening a Roth IRA can be a smart move if you want to invest for retirement and save money on taxes later in life. When you’re ready to take distributions from your Roth IRA in retirement (or after age 59 ½), you won’t pay income taxes on your distributions, either. Retirement Account Conversions Allowed.

Distribution 105

Distribution Taxes Retirement Accounting 105

Random Roger's Retirement Planning

DECEMBER 22, 2023

Amusingly, about the only content I found was stuff I'd written including this at Seeking Alpha from October, 2009. Where John's approach veers from mine is how complex his portfolio was in 2009. It was an active portfolio though with changes made as necessary. ARBFX 3.7% JRS 3.9% (short position) MERFX 3.7%

Portfolio 74

Portfolio Asset Allocation Accounting Management 74

Random Roger's Retirement Planning

JUNE 10, 2024

I am guessing they chose that timeframe to coincide with the March 2009 bottom. Another important reason for diversification is to avoid an adverse sequence of returns disrupting some sort of near term life event, typically we talk about retiring in this context.

Retirement 98

Retirement Asset Allocation Math Marketing 98

Random Roger's Retirement Planning

MARCH 24, 2024

If you compare both to 60/40 starting in 2009, stripping out the great year of 2008, 60/40 compounded at 9.54, All-weather at 6.08% and PP at 5.96%. Also you can see that both did fantastically well in 2008 but in 2022 Dalio did worse and PP was down a little less because they are both heavy in bonds which got pasted.

Portfolio 98

Portfolio Management Taxes Numbers 98

The Irrelevant Investor

AUGUST 9, 2018

The median retirement account balance of people ages 56 to 61 is just $25,000. People aren't saving enough in their defined contribution plans (401(K), IRA), and defined benefit plans (pensions) are in serious danger. Whatever else happened, retired policemen and firefighters and teachers would be paid.

Economics 52

Economics Distribution Investing Investments 52

Brown Advisory

NOVEMBER 19, 2016

Provisions recently extended or made permanent include tax-free treatment of some distributions to qualified charities from retirement plans, as well as several provisions designed to benefit small business owners and entrepreneurs. Although, the recent election results may have reduced the likelihood of change to these laws.

Planning 52

Planning Taxes Distribution Clients 52

Aleph

DECEMBER 31, 2022

Can cut deposit interest if defaults spike Dec 28, 2022 Politics Trump’s tax returns released, launching fresh scrutiny of his finances [link] If it becomes a question of fraud for assets Trump wrote down in the past to generate losses, his tax returns prior to the seven-year limit could be audited also, particularly 2009.

Banking 59

Banking Government Advertising Taxes 59

Random Roger's Retirement Planning

NOVEMBER 25, 2024

In the 10 months ending at the low on March 9, 2009, you can see it was down a little worse than the S&P 500. on 3/9/2009. The Invesco Dorsey Wright Momentum ETF (PDP) started trading in March 2007. From it's peak of $26.23 on 10/31/2007 it went down $10.73 That's only month end data for February and March of that year.

Portfolio 52

Portfolio Clients Taxes Assets 52