Random Roger's Retirement Planning

FEBRUARY 12, 2025

The title of the Man article is Why Alpha Matters for Retirement Savers and in it, they make their case for portable alpha. There's no way to know if repeating this same study running from 2015 to 2030 after a flurry of funds came out in the mid-2010's might get us closer but we can check back in five years.

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The Big Picture

MAY 7, 2025

And so I realized I was going to have to invest and save for my own retirement. You start from 2015. Gold in 2015 looked very different than it did at the end of 2011. I happened to live in a country that, uh, doesn’t have a functioning social welfare system or safety net. And that was that was a pretty good marker.

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Integrity Financial Planning

MARCH 3, 2023

2] In fact, a 2015 study at Sewanee found that comfort food was associated with close relationships. If you want to take the time to prepare these wonderful dishes rather than worrying about your retirement finances, Click HERE to sign up for a complimentary review of your retirement plan with us at Integrity Financial Planning! [1][6]:

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Food Financial Planning Retirement Planning Retirement 97

Integrity Financial Planning

JULY 20, 2023

1] “The Intern” (2015) – This delightful comedy-drama stars Robert De Niro as a 70-year-old widower who becomes a senior intern at an online fashion site run by Anne Hathaway’s character. The hotel is not what they expected, but the residents soon learn to embrace the chaos and beauty of their new surroundings. [1]

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Ballast Advisors

MAY 8, 2023

When Lowell passed away in 2015, Jean says she was worried. The “Boomer” mom focused on retirement and caretaking. She worked for 3M for 38 years, retiring in the healthcare division. They were determined to retire before age 60 without needing a second job after retirement.

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Random Roger's Retirement Planning

DECEMBER 12, 2023

The client was in his 70's when the story starts in 2015 and he had "at least $50 million." If they'd found him a cash account paying zero interest back in 2015, they could started taking $1.5 Bitcoin was going for $250 in the middle of 2015. million/yr and lasted until 2038.

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Random Roger's Retirement Planning

OCTOBER 28, 2024

All five funds really struggled from 2015-2020 but there was variation among the five. You wouldn't say they are lowly correlated but the correlations aren't that tight so maybe there is some insulation against things going wrong versus putting 25% into just one managed futures fund. We looked at a similar chart the other day.

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Indigo Marketing Agency

DECEMBER 19, 2022

She’s given over 600 presentations to more than 10,000 financial professionals since 2015. He also hosts the Stay Wealthy Retirement Show , which has been ranked on Forbes Top 10 Retirement Podcasts. You can check Sam out on YouTube here. . Michael Kitces. Learn more about Grace on LinkedIn. Taylor Schulte . Brittney Castro.

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Random Roger's Retirement Planning

JULY 30, 2022

The lag in 2015 was a matter of basis points. Interesting to me is that it did very well despite BTAL losing almost 25% for the first three and half years of this portfolio and RYMFX losing 15% in the first two years and then dropping 33% in another downtrend from mid 2015 to early 2019.

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Random Roger's Retirement Planning

JULY 2, 2024

From 2015 forward, the S&P 500 was up 20% or more four times. And for MTUM Since it listed in 2015, SPMO has compounded at 16.48% versus 13.36 To my point about being an unsolved puzzle, there's no pattern or consistency to when a given factor will outperform. for MTUM and 13.81 for VOO.

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Random Roger's Retirement Planning

AUGUST 5, 2023

Turns out there's a mutual fund version with symbol HCMDX with a track record back to 2015. Related to leverage, @nomadicsammuel on Twitter found a new ETF called the Direxion HCM Tactical Enhanced US ETF (HCMT). The basic strategy is that it can lever up to 200% long equity exposure based on its HCM Buyline Method.

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Good Financial Cents

DECEMBER 22, 2022

Index funds have become popular among the FIRE (financial independence, retire early) crowd, and for a good reason. 2015: -0.73%. 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.

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Investments Investing Risk Tolerance Accounting 108

Sara Grillo

JUNE 24, 2024

Actuarial Guideline 49 of 2015, via the National Association of Insurance Commissioners (NAIC) sought to cap, or limit the highly unlikely, aggressive illustrations used in the sales software prior to 2015. The interest rate assumptions for Indexed Universal Life require extra explanation. Are you disturbed yet?

Insurance 59

Insurance Math Financial Advice Compliance 59

The Irrelevant Investor

APRIL 4, 2020

The person who started investing in 2000, right as the market was entering a bear market, like the person who started investing in 2015, technically experienced a bear market, but the contributions put a floor in the percentage decline. And for investors in retirement that are drawing down their portfolio it hurts even worse.

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Random Roger's Retirement Planning

JUNE 6, 2024

In the backtest it was down 3.65% in 2015, that worst year was 2018 and in 2022 it was only down 2.72%. I am surprised how closely it tracks to VBAIX. It outperforms by a little, is a little less volatile but outperformed meaningfully in 2022.

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Random Roger's Retirement Planning

JANUARY 22, 2023

In 2015 it was up 8.93% versus 1.25 Switching from MCW to SCHD now, after a great year is an example of chasing last year's winner that I have mentioned before. A more glaring example might be with iShares US Momentum ETF (MTUM). In 2016 though, MTUM lagged MCW by 700 basis points. In 2020 MTUM was up 29.85% versus 18.37 percentage points.

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The Irrelevant Investor

JANUARY 31, 2020

For the 59th time since 2015, stocks fell more than 1.5% And by average I mean people that regularly contribute to their retirement account, don't watch the market on a day-to-day basis, and have no desire to time the market. The culprit this time was the Corona Virus. These are investors who have told themselves "I'll never sell."

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Investment Writing

JUNE 17, 2024

However, I was interested to see that a 2015 ad by Bessemer Trust stated “Minimum relationship $10 million.” I focus on where they are in their financial life: nearing retirement.” NOTE: This post was originally published on December 1, 2015, and updated on June 17, 2024. Thank you, respondents!

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Brown Advisory

DECEMBER 2, 2015

Wed, 12/02/2015 - 12:50. It also encompasses intended lifestyle, charitable giving, retirement and estate planning, and liabilities, including anticipated costs for health care. It is not meant to be changed dramatically over time and is tailored to a client’s specific needs, including retirement, education and philanthropy.

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Random Roger's Retirement Planning

JUNE 22, 2024

XME fell 50% in 2015 and then made it all back with a 106% gain in 2016. Blending 25% in with ACWI helped in 2022 but otherwise it's not much different than 100% in ACWI. I really am surprised this doesn't create an easily observed differentiated return stream.

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Random Roger's Retirement Planning

SEPTEMBER 30, 2024

Another highlight was in 2015 (I think), right after the Fitbit IPO. They started calling every week wanting me to come on to talk about things I didn't know about (not their fault, they couldn't have known) and I saw no upside plus back then, going on the air meant driving down to Phoenix which I didn't want to do.

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Numbers Taxes Investing Investments 81

Trade Brains

JANUARY 20, 2023

SEBI appointed retired SC justice Barucha to oversee the transaction in order to instil trust. In 2015 Raju, his 2 brothers, and 7 others were sentenced to 7 years in prison. Several companies bid on April 13, 2009. On 4th November 2011, bail was granted to Raju and two others accused.

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Good Financial Cents

NOVEMBER 16, 2022

The company was founded in 2015 by Gregor Watson, Gary Beasley, and Rich Ford, all having years of real estate experience. Lets’ take a closer look at some other noteworthy services Roofstock offers its users: Retirement Accounts. What Are The Pros and Cons of Roofstock? . Is Roofstock For Me? About Roofstock.

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Investments Investing Portfolio Management 88

Indigo Marketing Agency

JANUARY 17, 2022

She’s given over 600 presentations to more than 10,000 financial professionals since 2015. If you’re a financial advisor whose target niche is retirement-aged families, Jonathan is a great person to follow for inspiration. Rick Ferri Rick Ferri is a retired Marine, CFA® charterholder, and podcast host of Bogleheads on Investing.

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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. 0dte's would have also recovered and expired if they had existed back then. I'm not saying selling 0dte's can't blow up, they can, it just isn't clear what it would look like.

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Tucker Advisors

SEPTEMBER 27, 2021

23, 2015 [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. “GM Unloads $26 Billion in White-Collar Pensions; Could Union Workers Be Next?” Forbes; June 1, 2012 [link]. 4, 2017 [link].

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The Irrelevant Investor

AUGUST 31, 2017

From May 2015 to February 2016, the S&P 500 fell nearly 16%. You have to keep in mind that a lot of the money going into index funds today is retirement money. I think these fears are misguided. The chart below breaks down the flows by month. There was not a single month of outflows.

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Trade Brains

SEPTEMBER 19, 2024

The Sagarmala project, launched in 2016, plans 574 projects worth US$ 82 billion between 2015 and 2035. There was an exceptional item related to the employee’s retirement settlement expenses and foreign currency translation reserve as per the Ind AS framework. It aims to reduce logistics costs and optimize infrastructure investment.

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Risk Management Guru

APRIL 21, 2020

The Risk Management Guru (RMG) blog was founded in October 2015 with a very clear sense of purpose: to become the go-to blog for the best articles about Risk Management. Almost 5 years on and we are proud of the footprint we have created so far, with a special emphasis on our most read articles. our gurus).

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Random Roger's Retirement Planning

SEPTEMBER 3, 2024

The worst year for 3x was either 2015 when the S&P 500 was up a little and the 3x was down 5% or it was 2020 when the S&P was up 18% and 3x was only up 9%. If you spend the time, I'm sure it would be easy to tease out periods where the difference between 1x and 2x was not pretty close.

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Good Financial Cents

JULY 11, 2022

In 2015, the company posted average returns for investors of 13%. While investing for side income can work out well, most of my personal investments are tied up in our retirement accounts. If you’re more interested in real estate, consider a company like Fundrise to earn extra cash. For starters, I have a 401(k) through my business.

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Sara Grillo

DECEMBER 12, 2022

In early 2015, Scott sold his ownership interest in the firm. 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. -Doug Twiddy. Disclosures.

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Carson Wealth

JUNE 15, 2022

The longer your time horizon – that is, the time until you need to tap your accounts in retirement – the less likely you are to experience a negative return. . The market then slowly tripled from 2009 to 2015, and hardly anyone noticed. Here’s what we mean: In 2008, the market quickly lost 38%. And it was a huge deal.

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Marketing Marketing Planning Investment Planning 52

Sara Grillo

OCTOBER 31, 2022

In early 2015, Scott sold his ownership interest in the firm. 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.

Financial Advisor 110

Financial Advisor Commission Clients Compliance 110

Fortune Financial

AUGUST 7, 2023

between 2015 and the end of 2021. trillion in 2015 to$13.32 If you have long-term investment goals, such as funding retirement or building wealth over several years, alternative investments can offer unique growth and income potential and diversification benefits over time.

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Fortune Financial

AUGUST 7, 2023

between 2015 and the end of 2021. trillion in 2015 to$13.32 If you have long-term investment goals, such as funding retirement or building wealth over several years, alternative investments can offer unique growth and income potential and diversification benefits over time.

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Portfolio Investments Investing Risk Tolerance 52

Brown Advisory

OCTOBER 18, 2016

The Fed’s decision to leave rates unchanged means that its quarter-point hike in December 2015 stands as the only increase in more than 10 years despite significant economic progress over the period. Finally, low rates mean less spendable income for those who rely on savings in retirement. Thus, the impact of low rates is uneven.

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