Random Roger's Retirement Planning

JUNE 22, 2023

And then just a little math, the "guarantee" based on the 50/50 allocation would be 2.5% I mentioned this fund once or twice when it first listed in late 2021. Keep it to something broad like a total market fund or a market cap weighted large cap index. SSO is 2X S&P 500 and SPHB is the Invesco S&P 500 High Beta ETF.

Math 74

Math Portfolio Investments Investing 74

Discipline Funds

MARCH 6, 2024

That’s a $200B increase over the $220B that was being paid out to the private sector in 2021 before rates shot up. Going back to our previous example – the consumer who held $110 in the Bond Aggregate in 2021 was earning 1.5%, but now holds $98 of bonds earning 4.3%. Rates have a disproportionate impact on consumption.

Banking 119

Banking Government Economy Assets 119

Validea

JUNE 14, 2023

The Math Behind the Growth Let’s take a step back and think about what it would take for a company like Apple to reach a $10 trillion market cap. trillion (the total value was $52 trillion at the end of 2021, source ). With a current market cap of $2.8 trillion as of today, this would require an approximate increase of 3.6

Math 109

Math Accounting Marketing Marketing 109

The Big Picture

SEPTEMBER 7, 2022

So I mentioned 2021 was sort of aberrational. 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. RITHOLTZ: That’s interesting. RITHOLTZ: Quite fascinating. MARTIN: Yeah.

Communication 306

Communication Marketing Marketing Engineering 306

Random Roger's Retirement Planning

APRIL 22, 2024

The article devoted a good amount of space to bond market math, focusing on the pain of owning the iShares 20+ Year Treasury ETF (TLT) and bond funds in general. It turned out it did matter starting in late 2021. Bond funds have no par value to return to which might make them worse than individual bonds.

Marketing 98

Marketing Marketing Financial Advising Math 98

The Irrelevant Investor

NOVEMBER 20, 2021

This number comes from Crunchbase , who just published a report showing that the number of newly minted decacorns hit a record high in 2021. Source: Crunchbase *I didn't do the math, but it feels right **I also wouldn't be surprised if today's numbers look crazy, and we can't believe what happened during this bubble.

Math 52

Math Startup Numbers Valuation 52

Darrow Wealth Management

MAY 22, 2023

Interest rates have skyrocketed since the end of 2021. Again just using simple math, this presumes the par value will roll over each month and reinvest at the same rate to get to the annual yield. If the funds aren’t earmarked for anything in the near term, holding cash could be short-sighted. Hold cash or invest? 467% a month.

Investing 105

Investing Investments Accounting Wealth Management 105

Random Roger's Retirement Planning

JULY 27, 2022

It just started trading in January of 2021. It outperformed VBAIX YTD and took a slightly different path to the same result as VBAIX in 2021. It really is a mishmash of exposures, a lot of alts, some gold and some fixed income. I do not know if his life circumstance is such where a game over approach is appropriate.

Portfolio 96

Portfolio Clients Assets Math 96

The Better Letter

MARCH 18, 2025

Both 2021 and 2022 each had 14 upsets; there were 10 upsets in 2023 and nine in 2024, if only three in 2007. Six 11 seeds have made it to the Final Four: LSU in 1986, George Mason in 2006, VCU in 2011, Loyola Chicago in 2018, UCLA in 2021, and NC State last year. Between 1985 and 2024, there were 8.5 upsets per tournament (4.7

Numbers 74

Numbers Marketing Marketing Medicine 74

Steve Sanduski

AUGUST 4, 2022

The S&P 500 total return for the 5 years ending December 2021 was 112.9%. The total US Government Bond market total return for the 5 years ending December 2021 was 19.5%. Simple math says the CAGR of NET NEW ASSETS (i.e., Simple math says the CAGR of NET NEW ASSETS (i.e., Crunch the Numbers. Revenue Growth.

Portfolio 52

Portfolio Math Numbers Financial Market 52

The Better Letter

MAY 13, 2022

For math, she teaches the advanced class — the top students in the school. The class had a party recently as a reward for winning a national math competition. – to stay in and play math games at the party instead of more traditionally “fun” activities, inside or out. It is a very bright group.

Math 52

Math Economics Marketing Marketing 52

Mr. Money Mustache

APRIL 18, 2021

So I remind myself of the positive side of this situation: The world of 2021 is a very different place from my equivalent perch in 1991. Many teachers are already using this system to “flip the classroom”, and my own boy and I used Khan Academy to help him cover second through eighth grade math in only a month.

Education 52

Education Math Engineering License 52

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 Investments Investing 52

Random Roger's Retirement Planning

JULY 15, 2022

The math shows the NTSX/ARBIX/BTAL combo would be down 14.7% Quickly adding in from NTSX' inception to the end of 2021, so no bear market effect, the NTSX/ARBIX/BTAL combo would have outperformed VBAIX by about 100 basis points. If NTSX was up 32%, VBAIX would have been up 21.8% and that is the number I will assume.

Portfolio 66

Portfolio Math Numbers Marketing 66

Clever Girl Finance

JANUARY 29, 2023

According to the American Association of University Women as of 2021, on average: white men borrow $29,862 while black women borrow $37,558. The math for this adds up over years of work and can cost quite a bit of income. However, the impact of the student loan debt crisis on black women surpasses the standard American experience.

Budgeting 105

Budgeting Education Planning Government 105

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

Validea

JUNE 14, 2023

The Math Behind the Growth Let’s take a step back and think about what it would take for a company like Apple to reach a $10 trillion market cap. trillion (the total value was $52 trillion at the end of 2021, source ). With a current market cap of $2.8 trillion as of today, this would require an approximate increase of 3.6

Math 52

Math Accounting Marketing Marketing 52

Random Roger's Retirement Planning

DECEMBER 11, 2024

If we stop that backtest at the end of 2021, the two levered portfolios outperformed by five and four basis points respectively, each with noticeably higher standard deviations and lower Sharpe Ratios. A 20% drop in managed futures that is leveraged to a 40% weight would have added another 800 basis points to the decline (simple math).

Portfolio 52

Portfolio Management Math Taxes 52

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 correlates to the S&P 500 and sometimes it doesn't.

Portfolio 40

Portfolio Math Management Clients 40

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 147

Assets Management Investments Investing 147

Good Financial Cents

MARCH 15, 2023

You must also possess solid math and cash-handling skills and be able to multitask. Sales managers oversee and manage sales teams in various industries, ensuring they meet their targets while maintaining high levels of customer satisfaction. What is the average customer service salary?

Communication 69

Communication Education Retail Banking 69

Random Roger's Retirement Planning

FEBRUARY 8, 2023

In 2021 it was up roughly the same 27% as the S&P 500. The way the math works, a 67% allocation to NTSX replicates 100% into a 60/40 portfolio which leaves 33% left over to do something. We talk about the idea frequently here even if I've only used that term once or twice. So, how'd it do? Did it deliver crisis alpha? Not exactly.

Portfolio 40

Portfolio Math Management Investing 40

The Better Letter

DECEMBER 15, 2022

Source: Crestmont Research Over the past 50 years (1972-2021), the S&P 500 has provided an excellent annualized total return of 9.4 Over the past 50 years (1972-2021), the benchmark 10-year U.S. This is the best thing I read this week (it combines magic, music, mystery, and math); this is the best thing I saw. The saddest.

Investing 80

Investing Investments Portfolio Numbers 80

The Big Picture

JULY 19, 2022

You wrote this book in 2021 or at least finished it in 2021 and you described in the book what you see as an, quote, “investment winter ahead.” And so, it’s very sort of, I don’t know, math oriented or algebra-oriented type of thing as opposed to great stories which drive most investment passions. ILMANEN: Yes.

Investments 130

Investments Investing Valuation Portfolio 130

Random Roger's Retirement Planning

SEPTEMBER 29, 2024

The math is only off by a shade using leverage via UST and a little bit of SSO, remember RPAR is leveraged. In 2020, RPAR did much better than the replication, did a little worse in 2021, 2023 and 2024 YTD and in 2022 RPAR lagged the replication by 11%. The Replication is based on this from RPAR.

Portfolio 52

Portfolio Assets Management Math 52

FMG

DECEMBER 22, 2022

When LPL bought Waddell & Reed in 2021, it opened some doors as the pay structure was more conducive for small practices and they offer a lot of optional add-on services, like virtual assistants. The math speaks for itself- over half our population is female, yet only around 20% of financial advisors are women.

Financial Advisor 52

Financial Advisor Compliance Clients Communication 52

The Better Letter

MARCH 14, 2024

Five 11-seeds have made it to the Final Four: LSU in 1986, George Mason in 2006, VCU in 2011, Loyola Chicago in 2018, and UCLA in 2021. Duke math professor Jonathan Mattingly claimed the average college basketball fan has a far better chance of achieving bracket perfection than one in 9.2 quintillion. trillion.

Numbers 83

Numbers Medicine Math Marketing 83

The Big Picture

NOVEMBER 21, 2023

So here’s the math, Barry. If you have seven $50 incremental year, then every 10 year old in America, when they enter into the fifth or sixth grade and the teacher says, Hey, today we’re gonna talk about math or compounding or stocks or capitalism, they’ll say, open up. 00:44:49 [Speaker Changed] Correct?

Investments 246

Investments Investing Startup Accounting 246

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. So that was what really dominated and it continued to dominate in — in 2021. I wasn’t that typical person that did a number of, you know, internships during the summer, had that ….

Clients 299

Clients Wealth Management Banking Investments 299

The Better Letter

MARCH 16, 2023

The maths are exactly the same. These sorts of math problems are the focus of this week’s TBL. Math Problems As this TBL goes live, just 16 games and one day of the NCAA Tournament are in the books, yet my bracket is a mess. We notice the unlikelihood of 100 in a row because of the pattern. Thanks for reading. quintillion.

Math 94

Math Numbers Medicine Marketing 94

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. We had really good 2021 in terms of inflows. You have the liquidity, the tax efficiency, the transparency.

Clients 162

Clients Investments Investing Management 162

The Better Letter

JUNE 2, 2022

Fact check: true September 8th 2021 1,451 Retweets 7,194 Likes 5. Checking the math. .” Brent Beshore @BrentBeshore Friend sent this to me. Skepticism. Skepticism is the scientific mindset. It requires always being open to new or additional evidence and arguments. It requires checking things out. Checking the results. And again.

Media 52

Media Math 52

Zajac Group

FEBRUARY 10, 2025

While the data isnt as black and white as other aspects of finance, the impact of behavioral finance is clearjust consider the Covid-induced crash in February 2020 or the meme stock phenomenon of 2021 (to name a few more recent events). Behavior Finance and Your Portfolio So much of the concept of investing is about logic, math, and numbers.

Taxes 52

Taxes Risk Tolerance Portfolio Investing 52

Brown Advisory

NOVEMBER 13, 2023

The New Normal It is difficult for investors and individuals alike not to have been directly impacted by the rapid rise in inflation in 2021 and 2022, the succeeding interest rate hikes by global central banks and the ensuing effects these economic events have had on financial markets, including the mortgage market.

Investing 52

Investing Investments Portfolio Clients 52

The Big Picture

AUGUST 15, 2023

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. If you’re giving up that 1% big fat yield in 2019, 2021, let’s say you give up three years of 1% and get zero, how does the math work over the subsequent couple of years?

Management 130

Management Investments Investing Government 130

The Big Picture

FEBRUARY 2, 2023

emphasis added) The red flags were there for anyone who could put their greed aside and simply focus on the math. Previously : How to Avoid Financial Disasters (January 26, 2023) If It Sounds Too Good To Be True… (September 18, 2022) All the Ways You Can Get Defrauded (July 8, 2021) Advice for Rich Uncles and Others.

Math 64

Math Investments Investing Sales 64

The Big Picture

JANUARY 17, 2023

The joy of sets : Why won’t our artistic-literary establishment recognise that there’s mystery, beauty and humanity in maths? up from 3.2% Wall Street Journal ) see also 5 unintended consequences of the EV revolution : EVs are going to change our cars — and how we drive. ( Prospect ).

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Startup Math Engineering Distribution 243