Random Roger's Retirement Planning

NOVEMBER 9, 2024

It offered no crisis alpha though in the 2020 Pandemic Crash and in 2018 it was down 13.5% The Calmar and Kurtosis number are inferior with LBAY as a diversifier than using client/personal holding BTAL or managed futures. There's kind of a mixed bag here for the results. versus 4.5% Now as a diversifier.

Investments 52

Investments Investing Taxes Portfolio 52

Random Roger's Retirement Planning

MARCH 29, 2025

So I take that as a good number to study for this blog post. In 2018 you can see that two of them helped with just a few basis points. A year like 2018 constitutes down a little and is probably less important than protecting against down a lot like in 2022. I chose the three alts randomly, only two are part of the AQR filing.

Portfolio 59

Portfolio Management Distribution Risk Management 59

Random Roger's Retirement Planning

FEBRUARY 14, 2025

It's only down year was 2018 with a decline of 7.91%. Both True North portfolios also held up relatively well in the 2020 Pandemic Crash which are the max drawdown numbers in the chart. Despite all the leverage, Portfolio 1 has a very smooth ride including up a lot in 2022.

Asset Allocation 52

Asset Allocation Portfolio Assets Management 52

Random Roger's Retirement Planning

JANUARY 10, 2025

That would have been a more timely prognosis in 2018 or so but that's ok. I pulled the number 50 out of the air, turns out it's exactly 50 which make me snort out loud when I counted. Our conversation here might be getting some mainstream traction from Barron's with the article The 60/40 Portfolio Isnt Doing Its Job.

Engineering 52

Engineering Banking Portfolio Management 52

Wealth Management

JUNE 11, 2025

Number 8860726. Martin had created a revocable trust on March 8, 2012, and executed a second amendment to such trust on July 30, 2018. On July 30, 2018, Martin also created the MCC Irrevocable Trust (MCC Trust). Registered in England & Wales with number 01835199, registered office 5 Howick Place, London, SW1P 1WG.

Taxes 155

Taxes Wealth Management Estate Planning Distribution 155

Wealth Management

JUNE 24, 2025

Number 8860726. Related: Retail Investors Power US ETF Flows Past $500B in 2025 Despite Macro Risks “What’s really resonating is the certainty in the downside protection,” said Graham Day, executive vice president and CIO, with Innovator, the firm that launched the first buffer ETF in 2018. Registered in England and Wales.

Marketing 188

Marketing Marketing Wealth Management Estate Planning 188

Random Roger's Retirement Planning

MARCH 9, 2025

Portfolio 3's worst year was 2018 when it fell 7.76%. Portfolio 2 had two years where it was down 5% (those were the worst two) and the leveraged version's worst year was 2018 when it fell 12.26%. The Calmar Ratios for all three are much higher than VBAIX but the kurtosis numbers a slightly inferior.

Portfolio 52

Portfolio Numbers Insurance Taxes 52

The Big Picture

JUNE 2, 2025

He’s been a member of the Richmond Fed since 2018. 00:04:13 [Speaker Changed] You’ve held a number of roles there eventually becoming a senior partner, but the two that are most fascinating and relevant to your current situation is chief risk officer and Chief Financial Officer. McKinsey is a mandatory retirement age.

Economy 130

Economy Economics Numbers Banking 130

Nerd's Eye View

DECEMBER 15, 2023

Also in industry news this week: Most businesses that operate in the U.S., Also in industry news this week: Most businesses that operate in the U.S., Also in industry news this week: Most businesses that operate in the U.S.,

Financial Planner 247

Financial Planner Retirement Taxes Insurance 247

The Big Picture

MARCH 3, 2023

Meaning, you do not get the 8-10% long-term gains without living through a significant number of market events, ranging from cyclical drawdowns to longer secular bear markets, and full-on crashes. 2000-13 : Secular bear market did not make new highs until March 2013 2018 : ~20% pullback as the economy slowed, FOMC hiked.

Marketing 335

Marketing Marketing Economics Portfolio 335

Random Roger's Retirement Planning

APRIL 3, 2024

Looking at AQMIX on your statement kind of going nowhere for 10 years could be difficult but clearly a portfolio with the allocation in Portfolio 3 would have kept up just fine and if they had focused on the bottom line number and not the line items, it would not have been difficult. It only back tests to 2018 but here's what you get.

Numbers 96

Numbers Portfolio Management Retirement 96

Carson Wealth

AUGUST 4, 2022

When putting away for retirement, we often dream about all the things we’ll be able to do with that money – traveling, going out to eat, maybe trying new hobbies. . Of course, there are always the everyday household expenses to account for in your post-retirement budget. 1 It’s a number that just keeps rising, too.

Retirement 98

Retirement Insurance Insurance Coverage Taxes 98

Random Roger's Retirement Planning

AUGUST 18, 2022

At 50 though, you do need to have some context for how viable your idea of retirement is. That's the number you need to cover. These are all things to incorporate into retirement planning in case every assumption we make at 40 or 50 turns out to be wrong. Do your various, projected income sources cover that?

Retirement Planning 92

Retirement Planning Retirement Planning Asset Allocation 92

Validea

FEBRUARY 24, 2023

Ray Dalio, multibillionaire and founder of Bridgewater Associates—the largest hedge fund in the world—retired in October of last year to great fanfare, with much lauding from his and his firm about the transition. In 2018, Bridgewater pledged to shift control of the firm from the founder (Dalio) to top employees. .

Retirement 52

Retirement Ethics Numbers Investing 52

Darrow Wealth Management

JULY 1, 2024

Although a number of these provisions will negatively impact taxpayers starting in 2026, there a few changes that will be positive. In 2018, the brackets dropped to 10%, 12%, 22%, 24%, 32%, 35%, and 37%. In recent years, a number of states developed a sort of workaround for business owners to navigate the SALT cap.

Taxes 105

Taxes Tax Planning Planning Estate Planning 105

Random Roger's Retirement Planning

MARCH 11, 2024

The 1987 crash was partly attributed to selling portfolio insurance and there was the so called Volmageddon of 2018. 2018 was not 1987 and if there is another event where volatility ends up being a major determent then it will be different than the other two but with some overlap. Events don't repeat but the can rhyme.

Numbers 98

Numbers Insurance Marketing Marketing 98

The Irrelevant Investor

JUNE 15, 2019

In 2018, 52% of all participants at Vanguard were invested in a single target-date fund. In 2018, two out of three new participants were in plans that adopted automatic enrollment. These numbers are pretty encouraging. Six in ten people making more than $150,000 contributed the maximum account in 2018.

Asset Allocation 52

Asset Allocation Retirement Accounting Distribution 52

Random Roger's Retirement Planning

APRIL 9, 2023

Do you even remember why stocks crashed in late 2018? There will be future events that result in some sort of drop, black swans to you or not, and these become more important as you get closer to retiring in terms of sequence of return risk. Any retirement plan runs the risk of coming up short for any number of reasons.

Retirement 75

Retirement Asset Allocation Planning Numbers 75

Random Roger's Retirement Planning

APRIL 9, 2024

Picture retiring in 2010 versus 2020. As we say all the time, whereas stocks are the thing that goes up the most, most of the time in the modern era I would want more than 25% in equities for anyone needing normal stock market growth for their retirement plan to work. There are expectations embedded in these numbers.

Management 98

Management Retirement Planning Portfolio Retirement 98

Tucker Advisors

APRIL 4, 2023

Forty years ago, the federal government lengthened Social Security’s full retirement age (FRA) from 65 to 67, and increased the delayed retirement credit. Since 1980 through 2014, workers with retirement plans that included a pension fell from 39% to 13%, a 200% decline. Is it the change we want?

Retirement 75

Retirement Accounting Budgeting Planning 75

Good Financial Cents

APRIL 1, 2023

It’s one of the best strategies to supercharge your retirement savings, especially for early retirement. There's no time like the present to begin preparing for your retirement. This is always true when neither you nor your spouse are covered by an employer-sponsored retirement plan. Ads by Money.

Planning 95

Planning Distribution Taxes Retirement Planning 95

Darrow Wealth Management

JUNE 26, 2023

In addition, the overall limit on deducting mortgage interest has been reduced to $750,000 for new loans since 2018. Being aware of shifting preferences and needs is especially important if you’re envisioning the second home as a future retirement home. Perhaps you opt to rent the home for the season and travel elsewhere.

Insurance 105

Insurance Taxes Wealth Management Planning 105

WiserAdvisor

FEBRUARY 21, 2023

In 2018, there were approximately 52.4 Some studies also show that by 2034, the number of older adults will outnumber children. Due to the lack of technological know-how in the older generation, many scammers use new-age methods, such as obtaining passwords, account numbers, Social Security numbers, etc.,

Financial Advisor 104

Financial Advisor Clients Estate Planning Education 104

Mr. Money Mustache

OCTOBER 23, 2020

I was “The Man Who Retired at 30”, and it was so unusual that it would show up in news headlines all over the place. My story was a nine-year working career, and retirement at 30. So at the end of year one, Curelop’s portfolio looked like this: 2018: Bought a second house for $343,000 ($27k down including some upgrades).

Retirement 52

Retirement Taxes Investing Investments 52

Random Roger's Retirement Planning

APRIL 17, 2024

I don't know whether those weightings can vary but the numbers come off the home page for the fund. TRTY only goes back to late 2018 so I build the following to try to replicate it with exposure I believe to be consistent with what TRTY owns. I'd bet that Hussman anecdote from above came from a place of emotion given the timing of it.

Portfolio 102

Portfolio Asset Allocation Advertising Numbers 102

Random Roger's Retirement Planning

JUNE 26, 2024

In 2018 the S&P 500 was down a little over 4% and managed futures was down about 8%. Those aren't big numbers so a portfolio that was 80% equities and 20% managed futures that year would have been down 5.4%. But what if the numbers were bigger? Ok, no big deal, it happens. Ok, no big deal, it happens.

Portfolio 95

Portfolio Management Numbers Taxes 95

Indigo Marketing Agency

DECEMBER 19, 2022

He also hosts the Stay Wealthy Retirement Show , which has been ranked on Forbes Top 10 Retirement Podcasts. In 2018, a company even offered to pay him $10 million for his website. Steve Gresham is the CEO of The Execution Project , a consulting firm that helps financial companies rethink “retirement” and get better results.

Financial Advisor 116

Financial Advisor CFP Financial Services Education 116

Random Roger's Retirement Planning

AUGUST 8, 2022

The general ideas being explored by a small number of market participants at this point are useful and I think we're going to see a lot more investment products and conversations about these concepts and strategies. Number 2 was to move from market cap weighting to minimum volatility equity exposure. Number 5 is to increase leverage.

Portfolio 98

Portfolio Numbers Accounting Management 98

Random Roger's Retirement Planning

JULY 15, 2023

The Permanent Portfolio (PRPFX) which purports to be all weather (even if just in design, not sure if they say that in their literature) put in some interesting numbers over the last couple of years. in 2018 when VBAIX dropped 2.8%, not very all weatherish. This year RDMIX is down about 1%. In 2022 it was down 5.5%

Asset Allocation 68

Asset Allocation Management Portfolio Assets 68

Random Roger's Retirement Planning

AUGUST 28, 2024

In the partial year 2018, the very leveraged version lagged by a lot in a year that was very difficult for managed futures. There's a good chance of getting essentially the same effect with much less risk of being vulnerable to something breaking or at least bending a lot like managed futures in 2018. Closing out with a theory.

Portfolio 52

Portfolio Assets Management Investing 52

Random Roger's Retirement Planning

SEPTEMBER 30, 2024

The way that number went up though, I don't know if it was a real number or not. The other meaningful monetization was my side gig AdvisorShares which lasted for about four years until 2018. There were articles that may have been written just by Seeking Alpha staff or friends of founder David Jackson.

Numbers 81

Numbers Taxes Investing Assets 81

Random Roger's Retirement Planning

AUGUST 5, 2022

If I change the date to start in 2018, the numbers get a little more interesting. It has the best CAGR of the three with a lower standard deviation than SPY but not VBAIX. A lot of the return for Portfolio 1 though came in 2017 when it was up 46% versus 21% for the S&P 500.

Portfolio 70

Portfolio Numbers Marketing Marketing 70

Indigo Marketing Agency

NOVEMBER 20, 2020

As baby boomers continue to retire, financial advisors across the country have started targeting the younger generations, Generation X and millennials , to varying degrees of success. According to one recent report , the number of independent broker-dealer firms has been in a steady decline for the past decade, resulting in 819 firms in 2018.

Financial Advisor 52

Financial Advisor Wealth Advisor Clients Numbers 52

Random Roger's Retirement Planning

JUNE 5, 2024

The numbers for Portfolios 1 and 3 add up to 105% because I am replicating 5% into a 2x bitcoin fund. It only goes back to 2018 because in 2017, Bitcoin went up an amount that may not be repeatable. We'll use CAOS for tail risk and what has more asymmetric opportunity than Bitcoin?

Portfolio 91

Portfolio Retail Investing Investments 91

Random Roger's Retirement Planning

SEPTEMBER 28, 2024

In the mini crash at the end of 2018, FNDX and SPHQ did worse than the S&P 500, SPYV was about the same as market cap weighting and SCHD was the best performer for that event. Looking at the ten year compounding numbers, I wouldn't dismiss any of these, they are all valid, and will capture the effect for the most part.

Taxes 52

Taxes Valuation Marketing Marketing 52

Darrow Wealth Management

JULY 1, 2024

Although a number of these provisions will negatively impact taxpayers starting in 2026, there a few changes that will be positive. In 2018, the brackets dropped to 10%, 12%, 22%, 24%, 32%, 35%, and 37%. In recent years, a number of states developed a sort of workaround for business owners to navigate the SALT cap.

Taxes 52

Taxes Tax Planning Planning Estate Planning 52

Random Roger's Retirement Planning

APRIL 19, 2024

The Trinity Replication captures some of the effect of the market longer term, maybe enough, maybe not enough, you can look at the other post to get more numbers, but that is what real diversification looks like. Also, 2023 it noteworthy. One take away is that nothing can be best for all times. We say that repeatedly here.

Portfolio 93

Portfolio Accounting Clients Marketing 93