Random Roger's Retirement Planning

NOVEMBER 20, 2024

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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Harness Wealth

APRIL 16, 2025

Roth IRA conversions present a significant challenge for retirement planners: pay taxes now or later? Moving funds from traditional IRAs to Roth accounts triggers immediate taxation but promises tax-free withdrawals in retirement. This flexibility becomes increasingly valuable as your retirement portfolio grows more complex.

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Random Roger's Retirement Planning

AUGUST 2, 2023

More Generation X retirement doom today from both Bloomberg and Yahoo. million for retirement which is up from $1.7 To the idea of a goal for retirement savings, I've never had one. If you are at least 50, I think it is reasonable to have some understanding of what your expenses are likely to be once you hit retirement age?

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Darrow Wealth Management

JULY 1, 2024

The 2017 Tax Cuts and Jobs Act (TCJA) brought sweeping changes to the tax code, impacting every taxpayer and business owner. At that point, many provisions will revert to 2017 levels, adjusted for inflation. For example, in 2017, the marginal tax brackets were 10%, 15%, 25%, 28%, 33%, 25%, and 39.6%.

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Nationwide Financial

NOVEMBER 23, 2022

According to the most recent 2017 Census of Agriculture, the average age of a U.S. Those numbers make it clear that farmers are generally not retiring at age 65. Yet even though many farmers lack a “plan” for retirement in the traditional sense, farmers still need the help of financial professionals.

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Random Roger's Retirement Planning

JULY 4, 2025

VettaFi has info on GTAA even though it closed in 2017. When I was at AdvisorShares, the Morgan Creek Global Tactical ETF (GTAA) maintained positions in levered ETFs for an extended period. The reported three year return number was not good but the consequence was opportunity cost as opposed to permanently impairing capital.

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Random Roger's Retirement Planning

JUNE 28, 2025

I hadn't heard of it but it has been trading since 2017. He's retired from is career job and has jumped in with both feet into the fire department. It's easy after retiring to become disconnected from younger people but it is important to maintain these connections to stay current with the world which is a big deal.

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Yardley Wealth Management

OCTOBER 13, 2021

For example, as reported by Dimensional Fund Advisors, $1 invested in the S&P 500 Index from 1926–2017 would have grown to $533 worth of purchasing power by the end of 2017, after adjusting for Inflation. What If You’re Retired? Unfortunately, we believe such substitutes detract from effective retirement planning.

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Random Roger's Retirement Planning

JUNE 16, 2025

Part of our compensation was stock and the way it was structured, the only we he could have accessed it would have been to quit/retire once vested. Schwab didn't retake that high until early 2017. We urged him to do just that and he said, I need $5 million. You know the rest.

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Random Roger's Retirement Planning

AUGUST 7, 2022

In 2017, as assembled, The Cockroach Portfolio went up 62% versus 21% for 100% SPY and 13% for VBAIX. Note 2017 was even better for Cockroach so the returns are lumpy. That 62% gain, primarily from 4% to GBTC does a lot of heavy lifting for the entire period studied. Interesting that the standard deviation isn't higher.

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Random Roger's Retirement Planning

JUNE 18, 2025

Dusting off an old one, quick, without looking, what did the S&P 500 do in 2017 and did you outperform or lag? Here's the one thing, with regard to portfolio outcomes, that matters most. Do you have enough money when you need it, for as long as you need it?

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Random Roger's Retirement Planning

FEBRUARY 13, 2024

You can see in 2017, the blue line for Cockroach with Bitcoin went parabolic. 2020 was also a very good year for Portfolio 1 thanks to Bitcoin but it wasn't as big as 2017. It is important to understand how that happened though. You can see, other than those two years, Portfolio 1 was very unremarkable.

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Park Place Financial

JANUARY 9, 2023

Retirement Savings Accounts . In 2023, Internal Revenue Service (IRS) will increase the contribution limit for multiple types of retirement accounts, including: . For those participating in 401(k), 403(b), and most 457 plans, the limit has risen to $22,500. It can also be helpful to consider your age. Health Savings Accounts .

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Darrow Wealth Management

JULY 1, 2024

The 2017 Tax Cuts and Jobs Act (TCJA) brought sweeping changes to the tax code, impacting every taxpayer and business owner. At that point, many provisions will revert to 2017 levels, adjusted for inflation. For example, in 2017, the marginal tax brackets were 10%, 15%, 25%, 28%, 33%, 25%, and 39.6%.

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Taxes Tax Planning Planning Estate Planning 52

Brown Advisory

APRIL 1, 2020

These strategies may include the conversion of an IRA or qualified retirement plan to a Roth IRA , because the tax consequences of such a conversion are based on asset values at the time of conversion, and any future growth in value will avoid income taxation, both within the plan and at the time of distribution to the plan beneficiary.

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Brown Advisory

APRIL 1, 2020

These strategies may include the conversion of an IRA or qualified retirement plan to a Roth IRA , because the tax consequences of such a conversion are based on asset values at the time of conversion, and any future growth in value will avoid income taxation, both within the plan and at the time of distribution to the plan beneficiary.

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Yardley Wealth Management

MARCH 1, 2022

Allocate a significant portion of any new wealth to tax-sheltered retirement accounts. Ideally, your succession plan has been in place for years prior, to position your business for a tax-efficient transfer. You retire. You decide to work part-time in retirement. You receive a financial windfall, such as an inheritance.

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Yardley Wealth Management

MARCH 1, 2022

Allocate a significant portion of any new wealth to tax-sheltered retirement accounts. Ideally, your succession plan has been in place for years prior, to position your business for a tax-efficient transfer. You retire. . You decide to work part-time in retirement. Ditto for those executive compensation benefits.)

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Random Roger's Retirement Planning

APRIL 18, 2024

I bought 100 shares on its first or second day of trading last fall for $2017 and I sold it today for $2114 which includes reinvesting the dividends. First, an update on my test drive of the Defiance NASDAQ 100 Enhanced Option Income ETF (QQQY).

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Harness Wealth

MARCH 11, 2024

Retirement contributions Individuals can take advantage of various tax-related retirement planning strategies to reduce their taxable income today and post-retirement. By working with a tax professional, you can apply tax strategies to reduce your taxable income or defer paying taxes.

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Trade Brains

AUGUST 19, 2022

Trade Brains was founded by Kritesh Abhishek, an NIT Warangal graduate, in Jan 2017. Stable Investor also provides various financial services like financial planning, retirement planning, children’s future planning, etc. 8 Best Indian stock market Blogs to Follow. Trade Brains. Dr. Vijay Malik.

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Yardley Wealth Management

MAY 18, 2022

Bond investing and interest rates (again) : You may recall, interest rates did tick upward in 2017–2018, creating concerns similar to those we’re hearing today. in 2017, outperforming the Vanguard Intermediate-Term Treasury Index ETF (VGIT), which returned 1.7% and the Vanguard Short-Term Treasury Index ETF (VGSH), which returned 0.0%.

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Random Roger's Retirement Planning

JUNE 5, 2024

It only goes back to 2018 because in 2017, Bitcoin went up an amount that may not be repeatable. Since CAOS hasn't had a real test of going up in a serious decline, if we replace it with more T-bills to get a longer backtest, the results are similar. Portfolios 1 and 3 both concentrate the risk into narrow slices of the portfolio.

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Random Roger's Retirement Planning

FEBRUARY 7, 2024

SRRIX lost -11.35% in 2017, -6.14% in 2018 and -4.47% in 2019." It is an unusual exposure, I am not aware of any other funds that are just reinsurance but if you know otherwise please comment. He notes " after three strong returns in its first three years (2014-16) came a string of losses.

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Random Roger's Retirement Planning

AUGUST 5, 2022

A lot of the return for Portfolio 1 though came in 2017 when it was up 46% versus 21% for the S&P 500. The Sortino Ratio is impressive and the correlation dropped to 80%. It has the best CAGR of the three with a lower standard deviation than SPY but not VBAIX.

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Darrow Wealth Management

JANUARY 9, 2023

Here are the top five Roth-related retirement changes following the passing of Secure Act 2.0. 529 plan to Roth IRA rollovers. Starting with the 2017 Tax Cuts and Jobs Act, then the 2019 Secure Act 1.0, it’s clear that investors need to be adaptive in tax planning. 5 new changes to Roth accounts in Secure Act 2.0.

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Trade Brains

FEBRUARY 14, 2023

Yeah, that lot that talks about terms like compounding, risk profile, returns, retirement planning, budgeting, Investing, and whatnot! Top Mutual Funds For SIP #4 – HDFC Retirement Savings Fund Equity Plan Direct-Growth Fund Company HDFC Asset Management Company Size (AUM in Cr) 2,659 3-yr returns (CAGR) 23.41

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Random Roger's Retirement Planning

SEPTEMBER 3, 2022

Much of the boost in annualized CAGR comes from huge outperformance of GBTC in 2017 which is important to understand. The CAGR for Portfolio 1 is far superior to the other two and it's standard deviation is only slightly higher than Portfolio 3.

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Brown Advisory

NOVEMBER 12, 2015

For example, the filing dates for reporting foreign gifts and foreign accounts will move from March 15 and June 30, respectively, to April 15 for tax years 2016 and beyond (to be clear, these deadlines won’t change this year, the changes take effect in 2017 for 2016 returns). Accelerate or postpone deductions to maximize tax advantages.

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Random Roger's Retirement Planning

JULY 2, 2024

The iShares Momentum ETF (MTUM) outperformed only one of those four, in 2017. Intuitively you might think that momentum would outperform when the S&P 500 is up a lot. From 2015 forward, the S&P 500 was up 20% or more four times. In 2018, the S&P 500 was up 18% and MTUM outperformed and it is outperforming so far in 2024.

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Random Roger's Retirement Planning

JANUARY 14, 2024

I could have gone back further than 2018 but Bitcoin skyrocketed in 2017 so I wanted to take that out in case that sort of year never repeats again. LFMIX and QGMIX both have very low volatility but are complex funds and complexity has its risks and drawbacks too.

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Random Roger's Retirement Planning

MAY 14, 2024

The Invenomic Institutional Fund (BIVIX/BIVRX) is a long/short equity fund that has been around since mid-2017. A new, interesting and expensive fund popped up on my radar from something I saw on Twitter, yes I am still calling it Twitter. The fund's literature goes out of its way to note that it only positions in domestic stocks.

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Random Roger's Retirement Planning

MARCH 2, 2023

It got a lot of it's return in 2017 likely from Bitcoin. I would also add that Portfoliovisualizer says Cockroach's correlation to the S&P 500 is -0.01 The Cockroach should not be expected to keep up with equities but it sort of has and done so with a very similar standard deviation but no correlation. What gives?

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Gen Y Planning

MARCH 1, 2022

The mortgage interest on your home loan: If you bought your house after December 16, 2017, you can deduct the interest you paid on the first $750,000 of the loan. . You may be able to earn some money on the side, stash it away for retirement, and get a tax break if you’re eligible to invest in a SEP-IRA. Look Into a SEP-IRA.

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Random Roger's Retirement Planning

SEPTEMBER 7, 2024

TAIL is the newest fund but goes back to 2017 so we get a decent backtest. He is big on the ReturnStacked Fund suite but they are all so new that backtesting with them doesn't tell us much but we can replicate them on Portfoliovisualizer and still capture the leverage. First up is the allocation of The Sloth.

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Random Roger's Retirement Planning

OCTOBER 26, 2024

I didn't want to backtest too far back because Bitcoin had massive gains in 2017 and 2020 that might not be repeatable. SPBC owns 100% S&P 500 plus 10% in Grayscale Bitcoin Trust (GBTC) so the 10% to SPBC means 1% of that portfolio is in Bitcoin. I used BTCFX in Portfolio 2 to backtest a little further than we could with an ETF.

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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. He has presented papers at conferences on topics such as investment fraud, risk management, and retirement planning. 2017, January 18 th ). Lee holds a Ph.D.

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