Random Roger's Retirement Planning

MARCH 7, 2024

Quite a few client holdings have been in the portfolio for more than 15 years. I've owned this stock for clients going back to at least 2011. If you ask most market participants, I think they'd say they are "long term" investors but what does long term mean? There are of course many definitions.

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The Big Picture

DECEMBER 19, 2023

There are about 13 different portfolio managers each focused on a different sub-sector. He, he had retired, retired, but he was still active. And to the credit of the portfolio manager that I was working with Josh Fisher, we were actually up that year. Since then, it’s grown to about $7 billion. That was great.

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Random Roger's Retirement Planning

FEBRUARY 9, 2023

At the time, those funds were having success because of Hussman's generally defensive portfolio posture. The funds might play a role in a diversified portfolio but hard to peg either one as a single portfolio solution. The idea of a single fund, all-weather portfolio is intellectually appealing even if it probably doesn't exist.

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Random Roger's Retirement Planning

SEPTEMBER 18, 2022

More interesting than the articles sometimes are the comments as was the case today with the following comment: What is really wacky is the Modern Portfolio Theory promoted use of bonds in a portfolio.ballast (or theoretical risk-reducing agent). Small allocations don't become impediments to portfolio growth, simply they are laggards.

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The Irrelevant Investor

OCTOBER 17, 2019

Again, only 6% of households with defined contribution accounts made changes to their portfolio in 2018. The only time that over 2% of DC assets were traded was back in 2011 when the U.S. Source: Understanding householed trading behavior 2011-2018 The post Trading Behavior appeared first on The Irrelevant Investor.

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The Irrelevant Investor

MAY 1, 2018

The median retirement account balance for people ages 56-61 is just $25,000. This could have been accomplished by contributing just $6 a month into a 60/40 portfolio (since 1980). Getting back to where we are today, the 90th percentile of retirement accounts is $855,000. We have no relationship with our future self.

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Random Roger's Retirement Planning

DECEMBER 21, 2023

If there is another flash crash like 2011 or 2015, there was a lot of ground gained back before markets closed on those days. When I first tried to navigate to the page for ISPY, I went to SPDR's website instead of ProShares which sent me down an interesting rabbit hole looking at SPDR's model portfolios.

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Random Roger's Retirement Planning

DECEMBER 1, 2023

A quick excerpt from a post a couple of weeks ago about retirement misconceptions. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. A commenter on a Yahoo article in italics and my reply if he'd have asked me in regular font. Conceptually, that is sustainable.

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Carson Wealth

MARCH 11, 2024

Retirement funds had been demolished and there was very little hope. Near bear markets in 2011 and 2018, a 100-year pandemic bear market in 2020 and then another bear market in 2022 made it anything but an easy 15 years. A diversified portfolio does not assure a profit or protect against loss in a declining market.

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Good Financial Cents

JULY 6, 2023

How about the teenager who made millions on Bitcoin after investing what he had at the time ($1,000) in 2011? Build your portfolio alongside over a million other community members. You can also even choose among professionally curated portfolios that might work better or worse based on your goals and risk preferences.

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The Big Picture

SEPTEMBER 19, 2023

Her job is portfolio and product solutions and that means she could go anywhere in the world and do anything. So I applied to Maryland State retirement. And so I often would look at investments in my portfolio that may be different from what most other people put in their portfolios. Or it’s only $200,000.

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Mr. Money Mustache

MAY 20, 2022

But in the Mustachian Era (the years since 2011 when I started writing this blog ), there has only been one: the 2020 Covid Crash which only lasted about a month. 3) Okay, but I really am retired and trying to live off my investments now. And ignore the wiggly blue line and follow the more meaningful red line.

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The Richer Geek

DECEMBER 1, 2021

He is the President and Founder of Pacific Capital and is a Certified Financial Fiduciary®, Accredited Wealth Management Advisor, and Chartered Retirement Planning Counselor. And ideally, we can create seven different sources of income for them before they fully retire. Then some of that might be in their investment portfolio.

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The Big Picture

JULY 19, 2022

The transcript from this week’s, MiB: Antti Ilmanen, Co-Head, Portfolio Solutions, AQR , is below. BARRY RITHOLTZ; HOST; MASTERS IN BUSINESS: This week on the podcast, I have an extra special guest, Antti Ilmanen is AQR’s Co-head of the Portfolio Solutions Group. CO-HEAD, AQR’S PORTFOLIO SOLUTIONS GROUP: Thanks, Barry.

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Darrow Wealth Management

APRIL 20, 2022

In March, US consumer confidence dipped to levels not seen since 2011. Maintaining your lifestyle throughout life is perhaps more about how much income you’ll need in retirement versus the size of your portfolio. Sometimes expectations of inflation can be self-fulfilling, an outcome the Fed seeks to avoid.

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The Better Letter

DECEMBER 15, 2022

Based on the above, nobody should be surprised that 2022 looks like it will be the worst year for the classic 60:40 portfolio since 1937’s -22 percent. Wes created a hypothetical stock portfolio constructed with perfect foresight, invested entirely in the top decile of stocks based on their performance over the upcoming five years.

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Brown Advisory

NOVEMBER 12, 2015

As always we look to balance your assets between a liquid operating fund for current needs, a core investment portfolio for long-term preservation or appreciation, and an opportunistic pool for timely investments, taking into account your long-term investment objectives as well as any nearterm requirements for funds.

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Good Financial Cents

FEBRUARY 17, 2023

You’ll create investment portfolios, referred to as “pies,” and fill them with up to 100 individual stocks and exchange-traded funds (ETFs). M1 Finance offers complete portfolio management, including periodic rebalancing. You can also access tools to help you manage your money and plan for retirement.

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Sara Grillo

AUGUST 14, 2023

Helping parents send their kids to college, care for an aging parent and retire with financial independence are literally what gets him up every day. Rostad is president of the Institute for the Fiduciary Standard , a not for profit think tank formed in 2011. Scott has been serving families for 29 years in the financial services space.

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The Irrelevant Investor

JANUARY 19, 2019

Walter Cabot, the new portfolio manager, wrote: Times change. Portfolio managers would no longer rapidly trade these growth stocks, instead they would invest in blue chips like IBM and Disney, and no price was too rich. With people living longer than ever, we need to expect and be prepared to fund a long retirement.

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The Big Picture

AUGUST 15, 2023

That’s a really easy portfolio to create. It allows you to understand, generally speaking, what is a reasonable beta for that whole portfolio. By the time I got there in ’92, they had a great venture portfolio and almost nobody else even understood what venture capital was. That allows you to do two things.

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Sara Grillo

JUNE 20, 2022

So Nathan pay is a retirement plan consultant, and he’s here today to talk about the experience of being an Edward Jones financial advisor. And it kinda started from there, so he really kinda got the ball rolling for me and… So that was back in 2011. Okay, everybody. A, welcome to the show. NATE PENHA: This.

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Random Roger's Retirement Planning

DECEMBER 22, 2023

With that preamble, I started thinking about the 75/50 portfolio that I first started writing about during the Financial Crisis. I've mentioned 75/50 a couple of times in passing but the big idea was to create a portfolio that captures 75% of the upside of the equity market with only 50% of the downside. ARBFX 3.7%

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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.

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Random Roger's Retirement Planning

APRIL 4, 2024

We have a lot of fun here with backtesting portfolios. There was news going around that Daffy.org was adding Bitcoin in 5% or 10% weightings to a couple of its portfolios , presumably to improve returns for otherwise "normal" looking portfolios. The process can be informative but not definitive. It allocates as follows.

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Random Roger's Retirement Planning

OCTOBER 25, 2022

I did have a fairly lucky, partial sale in 2011. Where a small slice was permanently allocated to gold to reduce the portfolio's correlation to the market, gold is being replaced with a small slice to managed futures for the same purpose. I sold RYMFX in Q3 2011. Either way, I've been holding it for 17 or 18 years.

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Mr. Money Mustache

AUGUST 22, 2020

Since the Dawn of Mustachianism in 2011, the same question has come up over and over again: “MMM, I see your point that index fund investing is the best option. How can I get the benefits of investing for early retirement without contributing to the decline of humanity?”. Should I exclude that from my portfolio too?

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The Big Picture

JULY 24, 2023

MIAN: So Stray Reflections is a macro advisory and community that works with portfolio managers, CIOs around the world. MIAN: In 2011 you had the debt ceiling crisis, the credit rating got downgraded, the dollar was at a 50 year low. MIAN: A stagflationary future would destroy your fixed income and equity portfolios, right?

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Walkner Condon Financial Advisors

FEBRUARY 6, 2024

stocks and Emerging Markets stocks: 2008 and 2011. Large caps beat the foreign stock categories yet still lost thirty-seven percent of their value, while 2011 was the only year where U.S. Oh, I forgot to mention it finished dead last in 2008 and 2011. Large Caps outperformed both Developed ex-U.S. Sounds unstoppable, right?

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Brown Advisory

JUNE 12, 2017

Buffett and Munger are significant influences on the investment approach used in managing Flexible Equity Strategy portfolios. billion of investable float in 2016, which partially funds Berkshire’s $260 billion investment portfolio. Berkshire Hathaway is one of the larger holdings in the Brown Advisory Flexible Equity Strategy.

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Brown Advisory

JUNE 12, 2017

Buffett and Munger are significant influences on the investment approach used in managing Flexible Equity Strategy portfolios. billion of investable float in 2016, which partially funds Berkshire’s $260 billion investment portfolio. Berkshire Hathaway is one of the larger holdings in the Brown Advisory Flexible Equity Strategy.

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The Big Picture

JANUARY 7, 2025

You, you launched Siebel Capital in 2011. But within a year and a half I retired all our hedge fund business because I could see the capital inflows going into the private markets opportunity. And your timing was quite fortuitous launching in 2011. 00:11:32 [Speaker Changed] So, so let me roll even further back. Absolutely.

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The Big Picture

FEBRUARY 20, 2024

Early retirements have been taking place a giant uptick in new business formation. That got clawed back very, very quickly in 2011 and 12. I think there are definitely commercial banks that are gonna have trouble due to their concentrated commercial office building portfolio. So there were a lot of headwinds.

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