Random Roger's Retirement Planning

FEBRUARY 24, 2024

In the case of real estate a 2.29% weighting and for "private equity" companies it's about 17 basis points (looked at XLF holdings and then did a little math), that's just not going to move the needle. You may agree with Jack about not needing those things, that's valid, my point is that owning an index fund isn't a proxy for them.

Math 70

Math Portfolio Marketing Marketing 70

Discipline Funds

AUGUST 15, 2023

in 2020 to 4.2% But the math starts to change substantially when yields are 4.2% For reference, 10 year yields have moved from 0.5% over 3 years. This is the worst of all worlds because you had high interest rate risk and a low starting yield. and the Fed is approaching their terminal rate (peak interest rate).

Math 98

Math Government Assets Marketing 98

Random Roger's Retirement Planning

JULY 17, 2022

There's other math about outperformance but also the observation that momentum is prone to crashes. You don't see that before the 2020 Pandemic Crash though. The current event, rolling over slowly is more typical of bear market behavior as opposed to the crash in 2020. Here's the last year.

Math 91

Math Marketing Marketing 91

Investing Caffeine

FEBRUARY 1, 2022

T he stock market has been like a rocket ship over the last three years 2019/2020/2021, advancing +90% as measured by the S&P 500 index, and +136% for the NASDAQ. Math Matters. I did okay in school and was educated on many different topics, including the basic principle that math matters. Source: Calafia Beach Pundit.

Math 52

Math Assets Investing Investments 52

Nationwide Financial

SEPTEMBER 12, 2022

The curve, however, continues to project cuts to the rate beginning next May, which seems optimistic given the tone of Fed officials and the math around getting inflation back close to their 2% target. Inflation data will be in focus this week, with consumer price inflation on Tuesday and producer price inflation on Wednesday.

Retail 52

Retail Math Banking Economics 52

Random Roger's Retirement Planning

FEBRUARY 1, 2024

The 75/50 captures 75% of the upside with only 50% of the downside, the math on that works out favorably over the long term. 2020 was a terrible year for XYLD. If it can deliver on being a less volatile proxy for the S&P 500, while tracking closer to the index than XYLD, how should we define success?

Portfolio 40

Portfolio Math Assets Taxes 40

Yardley Wealth Management

OCTOBER 26, 2020

By Michael Garry Yardley Wealth Management October 26, 2020. Around 65 million Americans will receive more than $1 trillion in benefits during 2020, according to the Social Security Administration (SSA). While there always seems to be a future funding shortfall for Social Security, it’s a political problem, not a math problem.

Wealth Management 52

Wealth Management Estate Planning Financial Planning Retirement Planning 52

Walkner Condon Financial Advisors

JUNE 2, 2023

Alicia’s Experience One of my earliest experiences when I first decided to get into financial planning was participating in the Financial Planning Association’s Externship Program in the summer of 2020. Hannah put together a varied and diverse group of speakers that both inspired and directed my future path in financial planning.

Financial Planning 98

Financial Planning Planning CFP Financial Advisor 98

Random Roger's Retirement Planning

DECEMBER 1, 2023

Part of the math that determines options premiums is the risk free rate of return from T-bills. The CAGR with dividends reinvested is 5.50%, 1.97% without and although its standard deviation is quite a bit lower that the S&P 500, during the Pandemic Crash of 2020 it pretty much dropped the same as the S&P 500.

Math 57

Math Retirement Numbers Portfolio 57

The Big Picture

SEPTEMBER 7, 2022

But last year, 2020, how do you look at these breaking new stories and all the buzz and mania around an IPO for both good and bad? RITHOLTZ: So let’s talk about some imbalances, and I’m thinking about the sort of meme stock mania that began in 2020, when everybody was stuck at home during the pandemic, and just exploded in 2021.

Communication 290

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Random Roger's Retirement Planning

JULY 15, 2022

Commodities can easily go down with equities or in the case of the pandemic crash, the Invesco DB Commodity Tracking Fund (DBC) dropped more than the S&P 500 during the Pandemic Crash of 2020 and took longer to snap back. The math shows the NTSX/ARBIX/BTAL combo would be down 14.7% and that is the number I will assume.

Portfolio 46

Portfolio Math Numbers Marketing 46

Random Roger's Retirement Planning

DECEMBER 10, 2023

The blue line is equities and the red line is bonds up until the end of 2020. As a matter of math, it cannot repeat the run from 8.5% That's a pretty smooth, uninterrupted, multi-decade run for bonds. Since it only goes back to 1988 it doesn't track from the highest interest rates from earlier in the 80's, the ten year was at 8.5%

Portfolio 58

Portfolio Math Assets Retirement 58

Clever Girl Finance

OCTOBER 4, 2022

If you’re good with math, then turning to financial planning or accounting or opening up a similar company could be one of the best recession proof businesses to start! The national pet industry made over $100 billion in sales for the first time in history in 2020! They aren’t likely to get rid of the person who knows the numbers.

Food 104

Food Economy Healthcare Economics 104

The Big Picture

SEPTEMBER 19, 2023

One, one is true and I’ve always said is that I wanted people to stop, ask if I could doing math. And no one asked me if I can do math anymore with a degree from Booth, particularly in econometrics and statistics. So people really ask you, you take French and can you do math. Two reasons.

Assets 140

Assets Management Portfolio Investing 140

Mr. Money Mustache

MAY 20, 2022

But in the Mustachian Era (the years since 2011 when I started writing this blog ), there has only been one: the 2020 Covid Crash which only lasted about a month. It’s fun math – a 20% drop in prices means you get 25% more shares for your dollar, and a 50% drop means twice as many , or 100% more shares per dollar invested.).

Marketing 57

Marketing Marketing Retirement Investing 57

Brown Advisory

JANUARY 17, 2024

We all know that a 55% hit rate is the top decile across the industry, and the maths above demonstrates why. We have both of these potential investments on our Ready-to-Buy list, and both had gotten to within 10% of prices where we thought they represented very good value in the past few years (Nvidia in Oct 2022, Novo Nordisk in Dec 2020).

Investing 52

Investing Investments Portfolio Compliance 52

The Better Letter

DECEMBER 30, 2022

The current record – set in May 2020 using a tricked out silver Audi S6 disguised as a Ford Taurus Police Interceptor during the height of the recent pandemic, when roads were generally deserted – is 25 hours 39 minutes. More than that, however, we had purchased tickets for Disneyland for everyone for Wednesday. We wanted to go!

Planning 79

Planning Communication Investing Investments 79

Discipline Funds

APRIL 19, 2023

The math on the 40% slice is much cleaner. When that 5 year instrument was yielding 0.25% like it was in 2020 that meant that every 1% increase in interest rates was offset by just 0.25% of interest along the way. So yes, as Josh notes in his interview, these criticisms were more valid in 2020 when interest rates were at 0%.

Portfolio 86

Portfolio Math Assets Management 86

The Big Picture

SEPTEMBER 19, 2022

And you know, the only thing math works on recognition by peers, and there’s some prizes. And yet, the amount of math that’s been produced over the last, you know, few decades is just mind-blowing extraordinary. RITHOLTZ: So to put that into a little context, 2020, 2021, very founder-friendly deals. RITHOLTZ: Right.

Valuation 289

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Random Roger's Retirement Planning

JULY 14, 2022

It doesn't look like an investment grade bond proxy and I would note that on a price basis it essentially fell the same amount as the NASDAQ during the pandemic crash in March 2020. PUTW maybe snapped back half of what the S&P 500 did in March/April 2020. PBP is the Invesco S&P 500 BuyWrite ETF.

Portfolio 53

Portfolio Math Clients Marketing 53

Carson Wealth

FEBRUARY 5, 2024

The prime-age employment-population ratio is 80.6%, matching the highest recorded in the last cycle in January 2020, when the economy appeared to be in pretty good shape (pre-COVID). It indicates that more people are working and want to work than at any point between 2001 and 2020. in October 2023).

Marketing 97

Marketing Marketing Economy Manufacturing 97

Trade Brains

DECEMBER 16, 2022

And when used for ROE, as per the basic rule of math, if the denominator decreases, the fraction as whole increases i.e, Company 2018 2019 2020 2021 2022 Average 5 yr. Company 2018 2019 2020 2021 2022 Average 5 yr. Company 2018 2019 2020 2021 2022 Average 5 yr. higher ROE. What is a good ROE in Indian stock market.

Pharmaceutical 59

Pharmaceutical Manufacturing Engineering Distribution 59

The Big Picture

AUGUST 8, 2022

ANAT ADMATI, PROFESSOR OF FIANCE AND ECONOMICS, STANFORD GRADUATE SCHOOL OF BUSINESS: So, my journey starts where I took a lot of math. I was good in math and I love the math. So, I was kind of, in my romantic mind when I was in my early 20s, I was going to take but not give back to math, that kind of thing.

Banking 192

Banking Government Insurance Taxes 192

Random Roger's Retirement Planning

JULY 1, 2022

Over the last five years, it missed out on the stock market rally until late 2020 when it went parabolic, then drifted lower for much 2021. We dove in on the math at my old URL (sad story, no longer exists) and the math checks out. Sometimes it outperforms the S&P 500 and sometimes it doesn't.

Portfolio 40

Portfolio Math Management Clients 40

Random Roger's Retirement Planning

JUNE 29, 2022

Turns out the math checks out using Vanguard Balanced Index Fund (VBAIX) which is a proxy for a 60/40 equities/fixed income portfolio and the Guggenheim Managed Futures Strategy Fund (RYMFX). A 20% allocation to RYMFX would have helped in the first three months of 2020 albeit with less of an impact. percentage points.

Math 40

Math Portfolio Clients Management 40

The Better Letter

FEBRUARY 9, 2023

Math is powerful. Winning as a gambler is tough generally , but there are typically several Super Bowl bets where simple math demonstrates that the line is off (in terms of reality if not in terms of equalizing the total bets). If you know and can apply it, math is a major edge in gambling about football and elsewhere.

Math 82

Math Advertising Numbers Media 82

The Big Picture

MAY 9, 2023

So I took it upon myself to go off and took a course in bond math, took another course in derivatives and realized the underlying fundamental concepts were barely, I mean, it wasn’t even high school math in most cases. I didn’t know what any of these terms meant. And I thought, great, I just made partner.

Assets 283

Assets Clients Investing Investments 283

The Big Picture

MAY 30, 2023

BRYANT: So money, unlike math, money is highly emotional. I mean, there’s 50,000 kids in the Atlanta public school system, so you can do the math there. I believe I love math because it doesn’t have an opinion, that’s a Melody Hobson quote. Think about what happened in March of 2020. RITHOLTZ: Right.

Banking 140

Banking Economics Economy Business Planning 140

Brown Advisory

NOVEMBER 13, 2023

This is a simple math issue—refinancing a $100,000 mortgage will lower the monthly payment by a much smaller amount than refinancing a $1,000,000 jumbo mortgage, while the fixed costs of refinancing will be relatively much more burdensome for the $100,000 mortgage than for the $1,000,000 mortgage. trillion increase in the value of U.S.

Investing 52

Investing Investments Portfolio Clients 52

Good Financial Cents

SEPTEMBER 29, 2022

However, by doing a little math, you can easily determine your hourly wage from your annual salary. For 2020, the federal poverty level for a single person without dependents is $12,760. For example, for a family of four in 2020, the poverty level is $26,200. 55K a Year Is How Much an Hour? However, in general, $26.44

Budgeting 64

Budgeting Taxes Transportation Insurance 64

The Big Picture

NOVEMBER 22, 2022

I think what’s important, though, and what’s key is that we found ourselves at a very interesting point in time, in 2020, in the wake of George Floyd, in the middle of COVID. RITHOLTZ: Why is it not surprising that a math nerd is also a placekicker? And many of those gentlemen have gone on to do incredible things as well.

Recruitment 140

Recruitment Engineering Investing Investments 140

Brown Advisory

JUNE 16, 2022

We discount each year at our 10% minimum weighted average cost of capital (WACC) and some infinite series maths gives us the basis for some rough approximations 2. How different to when we wrote the 2Q 2020 letter (link) and we were being asked about taking our WACC down! The last time U.S. and appeared to be going higher.

Investing 52

Investing Investments Valuation Accounting 52

The Better Letter

OCTOBER 6, 2022

.” @23KGibby @Dodgers @MLB ","username":"TheVinScully","name":"Vin Scully","date":"Thu Oct 15 23:29:30 +0000 2020","photos":[{"img_url":"[link] Vin Scully @TheVinScully Hi everybody. “I was prepared anyway when Vin Scully said that, but I did respond.”

Math 67

Math Management Numbers Planning 67

The Big Picture

DECEMBER 6, 2022

And I did the math, and I think at that point in time, roughly speaking, assets in ETS were roughly just 10 percent, 12 percent of assets in mutual funds and I was pretty convinced that that number was to increase significantly. 2020 was a huge year. You know, we had a really good 2020. RITHOLTZ: That makes a lot of sense.

Clients 150

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The Big Picture

AUGUST 29, 2023

I’m curious if that’s kind of repeating now and the 2020 pandemic fiscal stimulus, which was massive under two presidents. ” And as that was happening in real time during 2020, I’m sure you felt the same thing I felt like I’ve seen this movie, I know exactly how this is going to end.

Portfolio 130

Portfolio Investing Investments Numbers 130

Mish Talk

NOVEMBER 27, 2022

Spotlight 2020 and 2021 For 2020, the reported deficit was $3.132 trillion but debt rose by $4.546 trillion. 2022 Math The 2021 year end debt was $29.621 trillion. Yet debt only fell once, in the year 2000, by 113.875 billion vs a purported budget surplus of $236.241 billion. 2001 had a reported surplus of $128,236 billion.

Budgeting 200

Budgeting Math Economics Accounting 200

The Big Picture

AUGUST 15, 2023

SEIDES: But market returns across — RITHOLTZ: The past decade, 2010 to 2020, we were what? RITHOLTZ: So hold the duration risk aside with those two, but just for an investor in treasuries, I know you’ve done the math before. RITHOLTZ: Oh no, it’s much worse. SEIDES: It’s lower. It’s lower. 14, 15% a year?

Management 130

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