Random Roger's Retirement Planning

DECEMBER 10, 2023

There was a lot of content from various places over the weekend about whether it is time to go back into bonds, what retired investors should do for yield and even whether retirees are better off going 100% into equities. The blue line is equities and the red line is bonds up until the end of 2020.

Portfolio 60

Portfolio Math Assets Retirement 60

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

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. women tend to live longer, making it much more important to plan for a longer retirement) or a subjective one (e.g.

Financial Planning 98

Financial Planning Planning CFP Financial Advisor 98

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

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 47

Portfolio Math Numbers Marketing 47

Clever Girl Finance

OCTOBER 4, 2022

Demand is likely to continue as more and more people in the Boomer generation reach retirement. 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! 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. So I applied to Maryland State retirement.

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Assets Management Portfolio Investing 141

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. My dad was a naval officer who retired shortly before I was born. What did your dad retire from doing? Tell us about those experiences.

Recruitment 141

Recruitment Engineering Investing Investments 141

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 54

Portfolio Math Clients Marketing 54

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 195

Banking Government Insurance Taxes 195

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 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. SALISBURY: Sure.

Assets 286

Assets Clients Investing Investments 286

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

AUGUST 29, 2023

And when you saw the US Ag down 13% last year, for folks, again, who are investing for retirement and in their 529 plans, they’re not concerned about it. But when you translate that to folks who might have a heavy municipal bond portfolio, and those folks who are in retirement, and they don’t like principal losses.

Portfolio 130

Portfolio Investing Investments Numbers 130

The Better Letter

OCTOBER 6, 2022

” After the Dodgers were retired in order in the bottom of the eighth inning, Gibson swung his aching legs down from the training table to hobble toward the clubhouse. 23KGibby @Dodgers @MLB 11:29 PM ∙ Oct 15, 2020 12,090 Likes 2,510 Retweets Gibson raged at the TV screen. “How you doing, big boy?,” The coolest.

Math 67

Math Management Numbers Planning 67

The Big Picture

DECEMBER 6, 2022

It has to be such a different set, the retirement planning is different, the safety net is different. People in Spain when I was growing up in the ‘80s and ‘90s, they expect to just retire and have the government give them like a paycheck every month. 2020 was a huge year. You know, we had a really good 2020.

Clients 152

Clients Investing Investments Management 152

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. Probably the first one I’m ready to retire, which is a post-lockdown question.

Management 130

Management Investing Investments Government 130

The Big Picture

SEPTEMBER 12, 2022

I — I loved math, but really, I was going to go down that literature route more than anything else and — and study Spanish literature. BITTERLY MICHELL: … difficult situations for those who were retiring, right, and those …. And I remember March 2020, there was no thought in our mind that we were going to work from home.

Clients 286

Clients Wealth Management Investing Investments 286

The Big Picture

MARCH 27, 2023

And so if you compare that to today, if you remember Oaktree raised $15 billion fund in 2020, on its own. So you retire in 2018. For example, you talk about the 2020 distressed cycle, and it’s interesting to me that it was so short, so shallow. If you think of the biggest bankruptcy in 2020 was Hertz. MIELLE: Right?

Assets 274

Assets Investing Investments Management 274

The Big Picture

MARCH 21, 2023

And caring about price versus anything, even if it were immune to intangibles, was not a very good thing until late 2020, since the GFC, so about 11 years. I think, you know, kind of near the end of 2020, maybe people were being quiet about that affiliation for a while. My mom was a math teacher so — RITHOLTZ: Okay.

Valuation 161

Valuation Investing Investments Numbers 161

The Big Picture

JULY 4, 2023

.” It’s really helpful to have had five other meetings with people who sit at analogous funds that had losses that were just as big, and in fact, they may have contributed to those losses more and be able to tell him, first off, your fund, just by my math, has a $250 million management fee. LMR in 2020 was 4.6

Management 141

Management Recruitment Numbers Banking 141

The Big Picture

DECEMBER 12, 2023

And I was a math nerd as a kid. You’re 34th, you’re retiring after 34 years and you trounce what’s really the more appropriate benchmark, I would assume the Russell 2000. So, so you set to retire as portfolio manager this year, you mentioned your two successors. You, you beat the s and p by 3.7%

Management 258

Management Investing Investments Retail 258

David Nelson

MARCH 6, 2023

And why did Congress just vote to block President Biden’s Department of Labor rule, a rule that encourages private retirement fiduciary is to use ESG in the decision-making process? When it comes to retirement, we’re talking about people’s life savings and quality of life in their golden years. Do the Math!

Fiduciary Duty 52

Fiduciary Duty Investing Investments Math 52

The Big Picture

JUNE 20, 2023

But all those years leading up to 2020, when the whole world collapsed in March, all those years leading up to it, we had kind of a draining of healthcare, a bleeding of healthcare companies because of getting the fat out, cutting the costs down. So corporate pensions that gave a worker a reasonable shot at a prosperous retirement.

Insurance 141

Insurance Healthcare Retail Medicine 141

The Big Picture

APRIL 8, 2024

I’d been ranked i i back in the seventies, if you can do the math. 00:19:54 [Speaker Changed] So you retired if it’s not working and you move on to the next that. And so you have, hindsight is great, but always, 00:48:21 [Speaker Changed] But 2020. So at that point, I had a pretty big career.

Economy 141

Economy Clients Economics Banking 141

The Big Picture

NOVEMBER 15, 2022

Let Mr. Market do his thing and we’ll find out how we did when we get ready to retire. Since 2020, their performance has been awful. RITHOLTZ: In 2020, no one even came in second. RITHOLTZ: I think she was plus 160% in 2020, when the market from the lows, the market was up 68%. It’s how math works.

Management 268

Management Assets Portfolio Investing 268

The Big Picture

OCTOBER 31, 2022

Then we have, you know, 2020, 2021, another — oh, not quite 25 years, but 22 years. SCHWARTZ: May of 2020. You were saying this in early 2020. And as you know, I said the increase of the money supply in 2020 was the greatest in history. Now, they grew at 25% in 2020 and about 18% in 2021. Some did better.

Numbers 141

Numbers Investing Investments Marketing 141

The Big Picture

MAY 2, 2023

RITHOLTZ: So wait, you’re, I’m trying to do the math, if you were 24 in ‘08, so you got this watch in 2000, 99? And so when we closed our series B in 2020, which, as you mentioned, include LVMH in a minority share. CLYMER: And I guarantee you when I retire from whatever this is, that’s the watch I will wear every day.

Retail 161

Retail Insurance Advertising Numbers 161

The Big Picture

AUGUST 23, 2022

So, I did the math, 20 million times a hundred. So, let me just repeat the math. And so, again, I went through this simple math. in 2018, in the European Union in 2020, in Australian in 2021. And so, it wasn’t just a fishing boat, it was an oceangoing factory, very impressive. How many do you have in your fleet?

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Government Banking Numbers Investing 312