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. But when they get market timing wrong, they lose subscribers. I sure as hell don’t want to either.

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Marketing Marketing Math Retirement Planning 300

Random Roger's Retirement Planning

MAY 28, 2024

Yahoo Finance had an article about the comments on an article about retirement which itself drew a ton of comments. The success stories include people retiring young as well as people retiring late or never retiring. I've been very actively volunteering since 2003 and the chief of our department since 2012.

Retirement 97

Retirement Insurance Retirement Planning Food 97

Advisor Perspectives

JANUARY 13, 2023

The 68-year-old retired landscaper first started investing in Tesla Inc. in 2012 after hearing about Elon Musk, who wasn’t nearly as famous at the time.

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Retirement Investments Investing 59

Random Roger's Retirement Planning

JANUARY 22, 2023

From 2012 through 2022, SCHD had a CAGR of 13.51% versus 12.78% for MCW and a standard deviation that was lower by 59 basis points. Going from 2012-2021, so excluding its lights out 2022 performance, shows SCHD had a CAGR of 15.34% versus 16.45 In going year by year since its 2012 inception, SCHD has outperformed MCW four times.

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Numbers Clients Marketing Marketing 74

Random Roger's Retirement Planning

JULY 22, 2022

We bought our current cabin in 2012 and sold the first one in 2014. We were mortgage free from 2005 until we bought our current place in 2012 (two more payments on the current house and we'll be mortgage free again). In a way we've been retired since 2002.

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Investments Investing Taxes Retirement 75

Random Roger's Retirement Planning

AUGUST 1, 2022

Here's a link from me from 2012. He likes TIPS for their volatility profile and because they are real return and he is very concerned about what amounts to sequence of return risk hammering investors as they get close to retirement. Bodie still believes in this, here's a paper he wrote in 2020 , doubling down. years versus 3.13

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Portfolio Retirement Assets Financial Planning 75

eMoney Advisor

DECEMBER 15, 2022

Here, we take a look at projected job growth for financial advisors, the predicted wave of retirements, the demographics of financial planners, and more. A Wave of Retirements Expected. Over the next decade, more than a third of advisors (37 percent) are estimated to be retiring, according to a 2022 Cerulli Associates study.

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Financial Planner CFP Certified Financial Planner Financial Advisor 74

Discipline Funds

JUNE 27, 2023

Back in 2012 I wrote a short piece about how the ETF world was in the very early stages of eating up the mutual fund world. At that time the ETF world had just 12% of the share of the fund world’s assets (chart via Ben Johnson ). Since then the ETF trend has continued and as of May 2023 the total ETF share is 29%.

Retirement Planning 52

Retirement Planning Retirement Marketing Marketing 52

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. .

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Retirement Engineering Ethics Manufacturing 98

Good Financial Cents

DECEMBER 22, 2022

Index funds have become popular among the FIRE (financial independence, retire early) crowd, and for a good reason. 2012: 13.41%. This strategy works best when you already have a solid plan for your retirement and your other financial ducks are in a row. Retirement Topics – IRA Contribution Limits. Index Funds.

Investments 108

Investments Investing Risk Tolerance Accounting 108

Random Roger's Retirement Planning

OCTOBER 19, 2023

From the start of 2012, Yahoo has APO up 609% and PSP up 22%. The performance dispersion between Portfolios 1 and 2 is dramatic and is accounted for with the huge weighting to either APO which has dramatically outperformed over the long term, albeit with a lot of volatility, or PSP which has been a real stinker.

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Asset Allocation Portfolio Assets Accounting 73

Random Roger's Retirement Planning

FEBRUARY 9, 2023

Ten years is a reasonable time period but someone who bought in 2012 based on the previous ten years really got left behind. Not everyone needs to keep up for potentially several different reasons which reiterates the importance of knowing what you actually need and how to manage to what you actually need.

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Asset Allocation Portfolio Assets Numbers 75

Random Roger's Retirement Planning

JUNE 12, 2023

Since 2012, there wasn't a period of equities down a lot, treasuries up a lot but that is what happened in 2008 and the Internet Bubble. If equities are down just a little then it is less likely that there would be some sort of extreme reaction in the bond market be it a flight to safety on the one hand or a credit meltdown on the other.

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Portfolio Clients Accounting Marketing 75

Random Roger's Retirement Planning

AUGUST 10, 2022

Here are the results going back to 2012. The first slide is a portfolio that is more realistic for me in terms of percentages versus the types of portfolios we've blogging about lately as an example and 100% Vanguard Balanced Index Fund (VBAIX) which is a proxy for a 60/40 portfolio. Portfolio 1 and 2 have shockingly similar results.

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Portfolio Clients Accounting Marketing 75

Good Financial Cents

JULY 6, 2023

Open a Roth IRA Risk level : Varies A Roth IRA is a type of retirement account you can open in addition to other accounts you have like a workplace 401(k). This type of retirement account lets you invest with after-tax dollars, and your money grows tax-free until you are ready to access it.

Investments 98

Investments Investing Accounting Certification 98

Mr. Money Mustache

JULY 23, 2023

It’s all the stuff that Mr. Money Mustache has been telling you since 2012, but with more detail and less distraction. Big deal”, I can already hear you saying, “Retired man experiences two minor incidents while taking a vacation in his luxury car.” This book is a concentrated packet of advice for solid living.

Medicine 90

Medicine Food Retirement License 90

Tucker Advisors

SEPTEMBER 27, 2021

Forbes; June 1, 2012 [link]. This trend is causing ripple effects in the general public, especially among those who are getting closer to retirement age and want to protect their savings from market volatility. High Profile Use of Annuities Download. Corporations Move Pensions into Annuities with Insurance Firms. 23, 2015 [link].

Insurance 52

Insurance Banking Financial Advisor Retirement 52

The Irrelevant Investor

AUGUST 31, 2017

A few things stand out: It's pretty wild that flows didn't turn positive until 2012. You have to keep in mind that a lot of the money going into index funds today is retirement money. The chart below gives a better idea of how much money investors have pulled from and plowed back into the Vanguard 500 (investor, admiral and ETF).

Marketing 40

Marketing Marketing Assets Retirement 40

Brown Advisory

NOVEMBER 12, 2015

AGI includes all taxable income, including wages, bonuses, taxable interest, dividends, capital gains, retirement distributions, annuities, rents and royalties. Since 2012, the $5 million lifetime gift and estate tax exclusion available to each taxpayer has been indexed for inflation. Gift and Estate Taxes. million in 2016.

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Planning Taxes Distribution Medical 52

The Big Picture

APRIL 18, 2023

Even when you read that announcement from — that was 2012 — RITHOLTZ: 2012. BARATTA: — we’re probably three times the size as we were in 2012. And the total AUM of our private equity business, AUM assets under management is roughly $80 billion, $90 billion. And, you know, why is that?

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Assets Investments Investing Valuation 157

Random Roger's Retirement Planning

SEPTEMBER 27, 2022

Since 2012, both unleveraged versions had two years or double digit gains with a standard deviation that is about half that of stocks and two points less than 60/40. And Would you be ok with CAGR of 4.xx%? That might be insufficient for someone needing stock market growth but for someone in game over mode it might work.

Portfolio 40

Portfolio Asset Allocation Economics Assets 40

The Irrelevant Investor

JANUARY 19, 2019

From 1976 to 2012, the Vanguard 500 returned 10.4%, compared to the 9.2% With people living longer than ever, we need to expect and be prepared to fund a long retirement. Bogle, The Clash of the Cultures (Hoboken, NJ: Wiley, 2012). In the end, Bogle was vindicated, and then some. return of the average large-cap blend funds.

Assets 52

Assets Management Investments Investing 52

Random Roger's Retirement Planning

OCTOBER 30, 2023

If you go back to 2012, BTAL's inception, Portfolio 2's outperformance narrows to 249 basis points and the standard deviation is higher than Portfolio 1's by 44 basis points which is actually pretty close.

Portfolio 40

Portfolio Numbers Management Taxes 40

Good Financial Cents

NOVEMBER 14, 2022

You can open an account with M1 Finance with no money at all, though you will need at least $100 to begin investing (or $500 for retirement accounts). The performance has been even more impressive for the 10-year period from 2012 through 2021. And there is no fee charged for this service. Learn more in our M1 Finance review.

Investments 64

Investments Investing Risk Tolerance Portfolio 64

The Big Picture

SEPTEMBER 19, 2023

So I applied to Maryland State retirement. The acronym for the Hawaii Investment Employ Retirement System or, or words to that effect. You’re in a really tricky position for funding new investments, for funding, you know, retirement benefits, healthcare benefits, the like. That sounds fascinating. How did that come about?

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Assets Management Portfolio Investments 144

The Big Picture

AUGUST 15, 2023

You still had 2012 to 2017 to finish the bet. Let’s jump to my favorite questions that I ask all of my guests, some of which I think I’m ready to retire. Probably the first one I’m ready to retire, which is a post-lockdown question. RITHOLTZ: Right. I was asking people, hey, what are you streaming?

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Management Investments Investing Government 130

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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Distribution Taxes Retirement Accounting 105

The Big Picture

AUGUST 20, 2024

People earn wages, whether it’s a retirement account or a tax deferred account or just an investment account. These are the single largest pools of assets on the planet is the American retirement system. So the growth of balanced funds was a real, really key characteristic of that 2006 to 2012 market. It goes so far.

Assets 167

Assets Management Portfolio Taxes 167

Walkner Condon Financial Advisors

FEBRUARY 6, 2024

As these tables can take a while to be published or readily available, let’s for now break the past twenty years of available market data into two 10-year periods: 2003-2012 and 2013-2022. In the more recent decade not including 2023 (2003-2012), U.S. During the 2003-2012 period, U.S. Large Cap, Developed ex-U.S.

Assets 59

Assets Investments Investing Marketing 59

Brown Advisory

JUNE 16, 2016

A good example took place in 2012; at the time we helped many clients prepare for anticipated changes to policy regarding taxes on asset transfers. The transfer-tax exemption has been indexed to inflation since 2012, which has added an additional $450,000 per individual in allowable lifetime gifts. Consider Roth IRA conversion(s).

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Planning Taxes Assets Clients 52

Sara Grillo

AUGUST 26, 2024

Along his journey he has been quoted in the following publications: The Wall Street Journal, Investor’s Business Daily, Kiplinger’s Retirement Report, TheStreet.com, Cheddar.TV, Crain’s Detroit Business and MarketWatch.com; among others. At Firstmetric, Scott continues his mission of delivering low cost, unbiased advice to clients.

License 52

License Certified Financial Planner Financial Advisor CFP 52

Random Roger's Retirement Planning

AUGUST 3, 2022

From 2012-2019, as I assembled it is was down 0.87% annualized. But there are a lot of negative years including the bear market we going through now. So negatively correlated expect when you need it most? Without 2020, the annualized return might be negative.

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Portfolio Clients Management Assets 75

Random Roger's Retirement Planning

OCTOBER 25, 2022

Sometimes the world moves faster than 10 months which can be an enhancement and in fact from 2012 on, ASFYX has outperformed RYMFX in eight of those eleven years and one of the 3 years it lagged was just by 16 basis points. ASFYX does that but there is also a part of the fund that responds to faster/shorter signals. of ASFYX is in cash.

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Management Sales Accounting Portfolio 74

Random Roger's Retirement Planning

OCTOBER 1, 2023

This back test can only go back to 2012 and you can see that VBAIX blows the other two away. Blogger Nomadic Samuel Tweeted out what he thinks is a better version of the Permanent Portfolio that uses low volatility equity exposure instead of market cap weighted (MCW) and managed futures instead of cash.

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Portfolio Management Risk Management Taxes 72

The Irrelevant Investor

SEPTEMBER 10, 2018

To get a better sense of how IPOs have performed recently, I looked back at some of the high-profile names that have come public since 2012. Keep in mind that these returns are since each IPO, so their start dates vary from as early as 2012 (Facebook, Splunk) all the way through 2018 (Spotify, Dropbox). Data from Ycharts.

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Startup Valuation Numbers Commission 52

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. Killing them Softly, 2012 A couple of crooks rob a card game and the mob hires a hitman to go after them. But quite frankly your attitude appalls me. It's not what you're saying. It's all the stuff you're not saying.

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Retirement Banking Numbers 52

Good Financial Cents

APRIL 26, 2023

Real estate crowdfunding got popular after Congress passed the 2012 Jobs Act , which essentially allowed real estate investors and developers to raise money from the public to fund their projects. Let’s say a developer has plans to build a 200 unit condominium in Las Vegas. The best low-risk investments can help you do just that.

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Investments Investing Insurance Certification 98