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When The 4% Rule Isn't 4%

Random Roger's Retirement Planning

The 4% rule is generally the accepted standard for a safe withdrawal rate in retirement to ensure the assets last for 30 years. Bengen retired as a financial advisor in 2013 but he also considers himself a researcher. He basically ran the numbers for someone retiring in 1926 and then each each up into the 1970's.

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Shorting The Short

Random Roger's Retirement Planning

If we take out Portfolio 2 to get a longer look, we can see back to 2013 and the stats again look pretty good versus VBAIX. The volatility goes up some versus VBAIX but the gain in return seems to be worth it at least as far as the Sharpe Ratio is concerned.

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Nouriel Roubini Enters The ETF Fray

Random Roger's Retirement Planning

Plenty of other managed futures funds came onto the scene in 2013 and 2014 but I think RYMFX is the only one to test what was a terrible time for managed futures. To my knowledge, RYMFX was the first managed futures mutual fund and it had the space to itself for several years after in launched in 2007.

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Endowment Style & Selling Volatility

Random Roger's Retirement Planning

The S&P 500 hit 1500 in March 2000, then again in the fall of 2007 and then the third and final time in January, 2013. Most of us of course lived through that from 2000 through to 2009. That's a long time for a broad based index to not make any progress.

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Dividends' Day In The Sun

Random Roger's Retirement Planning

EBSIX' worst 12 month stretch was a decline of 13% from June 2013 to June 2014. There is no reason anyone trying to implement some variation of this needs to put such a huge weighting into just one fund, EBSIX in this case, for the macro component. While that is not a catastrophic number, it's a visible risk that seems easy to mitigate.

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The “Art” of Market Timing

The Big Picture

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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How Women Can Reduce Anxiety by Making Smarter Money Moves!

Envision Wealth Planning

Feelings of fear, anxiety, and insecurity are common for women around the topic of retirement planning. According to TIAA’s just-released Financial Wellness Survey, the research points out that only about a third of women (31%) are saving for retirement, compared to 44% of men. Women and money as it applies to the household.