WiserAdvisor

JUNE 13, 2025

When your portfolio leans too heavily in one direction, even a small downturn can lead to large losses. Investors who concentrated their portfolios in tech saw their savings take a painful hit. It can also help reduce taxes and make life easier for your family during difficult times. Remember GameStop in January 2021?

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Random Roger's Retirement Planning

JUNE 2, 2025

We talk about this some but when you try to understand how well a holding has done or how well a portfolio has done, it is important to understand the track record. The Invenomic Fund (BIVIX) that we've looked at a few times is seriously skewed by two phenomenal years in 2021 and 2022 when it was up 61% and then 50%.

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Random Roger's Retirement Planning

JUNE 3, 2025

I do not think a two or three fund portfolio is optimal but it is valid and I think it is hard to justify some sort of model with a lot of funds that results just like a 60/40 mutual fund like Vanguard Balanced Index Fund (VBAIX). Portfolio 2 is plain vanilla 60/40. From 2010, through 2021, the S&P 500 only had one down year.

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Brown Advisory

MAY 31, 2022

2021 Impact Report: Tax-Exempt Sustainable Fixed Income Strategy ajackson Tue, 05/31/2022 - 15:22 A Letter of Introduction From The Portfolio Managers At Brown Advisory, we are deeply committed to sustainable investing. Enclosed is our 2021 Impact Report for the Tax-Exempt Sustainable Fixed Income strategy.

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Brown Advisory

MAY 31, 2022

2021 Impact Report: Tax-Exempt Sustainable Fixed Income Strategy. A Letter of Introduction From The Portfolio Managers. Enclosed is our 2021 Impact Report for the Tax-Exempt Sustainable Fixed Income strategy. While this municipal portfolio is by definition focused on U.S.-based Portfolio Manager.

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Random Roger's Retirement Planning

AUGUST 3, 2023

Portfolio 1 is 70% allocated to a low vol equity proxy and 30% to an alternative strategy that is intended to look like a horizontal line that tilts upward. Portfolio 2 is 100% Vanguard Balanced Index Fund (VBAIX) which is a proxy for a 60/40 portfolio and Portfolio 3 is the SPDR S&P 500 (SPY).

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Random Roger's Retirement Planning

SEPTEMBER 19, 2023

When I was working on yesterday's post I stumbled back into the Return Stacked 60/40 Absolute Return Index which is a portfolio funds blended together with a lot of embedded leverage in pursuit of capital efficiency. It's a very sophisticated portfolio. Here's what it is in the portfolio and the notional exposures.

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Random Roger's Retirement Planning

FEBRUARY 17, 2024

From the AQR site , QSPIX "aims to deliver attractive risk adjusted returns with low correlation to traditional stock/bond portfolios by investing in a broad and diversified range of alternative risk premia." So a core holding, I think that conceptually it could be risk parity meets the Permanent Portfolio?

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Random Roger's Retirement Planning

MAY 24, 2025

It is very important trait for portfolio construction. The various funds that are down 30-50% from their 2021 highs can never make their way back to those prices and if from here, yields move up from the 4-5% to maybe 5.5-6.5% Lastly, an article for retirees about how they can navigate their portfolios through choppy markets.

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Random Roger's Retirement Planning

MARCH 20, 2025

The odds are pretty good that plain vanilla 60/40 will still get the job done over longer periods but I would caution that the ride has been much bumpier since late 2021 and will stay that way for a while. Adaptability is a great word for portfolio construction and ongoing management. And the drawdown chart.

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Brown Advisory

NOVEMBER 5, 2021

2021 Year-End Planning Letter. Fri, 11/05/2021 - 13:01. The end of 2021 is notable for a host of reasons. It is tempting to contrast the good with the uncertainty surrounding us– the continuing pandemic, challenges to our relationship with China, supply chain disruption, fears of inflation and potential tax legislation.

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Random Roger's Retirement Planning

NOVEMBER 22, 2024

As I read the FT article, I had a thought about how to try to make the fund work as part of diversified portfolio, not the entire portfolio. The way Portfolios 1 and 2 are weighted, the math works for being a 60/40 portfolio and then from there we add portable alpha/capital efficiency/return stacking. It has a 0.78

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Validea

MARCH 7, 2025

Key Criteria for Stock Selection To find small, fast-growing companies, this strategy evaluates stocks based on a diverse set of fundamental metrics: Profit Margins A minimum after-tax profit margin of 7% is required, ensuring the company maintains strong profitability within its industry. annual return (477% cumulative).

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Random Roger's Retirement Planning

DECEMBER 26, 2024

If YGLD looks nothing like gold, what does it look like and does what it looks like have a place in a diversified portfolio? A 60% decline in Bitcoin might result in a 3% drag on the portfolio which could possibly be offset by the fund's income. From the start of the backtest, through 2021 it had five years of huge outperformance.

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Darrow Wealth Management

NOVEMBER 14, 2022

Rivian and Coinbase went public in 2021. One way investors incur unnecessary losses is by checking their portfolio during market downturns. 1 year total return 11/2021 – 10/2022. It can be tempting it can be to make changes to your portfolio after recent events. 17% a year ago (November 2021).

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Random Roger's Retirement Planning

OCTOBER 28, 2024

When they talked about portfolio allocations he said they want to have enough in managed futures to have an impact on the portfolio. Portfolio 1 as follows Portfolio 2 is 50% VOO and 50% iShares 7-10 Year Treasury ETF (IEF). Portfolio 1 is 0.06, VOO/IEF is 0.61 We looked at a similar chart the other day.

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Park Place Financial

MARCH 14, 2022

FINANCIAL PLANNING What is Portfolio Rebalancing? Investments can be risky since markets constantly fluctuate, but strategies are available to help you maintain a well-balanced portfolio. When people buy and sell sections of their portfolio to maintain a consistent asset allocation, they are rebalancing their investments.

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Random Roger's Retirement Planning

JANUARY 22, 2025

I backtested as follows with Portfolio 3 below being Vanguard Balanced Index Fund (VBAIX). The backtest assumes the new RDMIX would be the core holding of a portfolio but I didn't find anywhere that talked about how to position the fund. with Portfolio 4 being VBAIX. QSPIX is sort of a cherry pick.

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Carson Wealth

APRIL 21, 2025

Given this survey looks at managers who manage actual portfolios, this is a very solid potential contrarian indicator. That would be the slowest pace since March 2021. year over year, also the slowest pace since March 2021. A diversified portfolio does not assure a profit or protect against loss in a declining market.

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Park Place Financial

MARCH 10, 2022

FINANCIAL PLANNING 4 Financial Strategies to Leverage if your Portfolio is Worth Millions Schedule a Complimentary Financial Review CLICK HERE TO SCHEDULE. For example, individuals with a net worth that exceeds $1M will likely not benefit from the average investment advice for those with portfolios that are worth less.

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Random Roger's Retirement Planning

JULY 4, 2024

Yesterday, we talked about Ray Dalio's investing utopia of blending together 15-20 uncorrelated return streams in pursuit of a beefed up version of his more commonly known All-Weather portfolio. All of the funds look to offer an enhancement on a balanced portfolio or otherwise be a core portfolio holding.

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WiserAdvisor

DECEMBER 21, 2022

Diversification refers to investing in a wide mix of investments within a portfolio. Consider consulting with a professional financial advisor who can help build a diversified investment portfolio based on your financial needs and future goals. How many stocks should I have in my portfolio? How to pick stocks for your portfolio.

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Random Roger's Retirement Planning

JUNE 26, 2024

Although the way we articulate these ideas has changed we've basically been having the same conversation about trying to learn how to better diversify the portfolio without giving up too much of the equity market's ergodicity, it's inertia from going up more often than not. It just about got cut in half between October 2021 and October 2022.

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Brown Advisory

JANUARY 28, 2021

2020 Impact Report: Tax-Exempt Sustainable Fixed Income Strategy ajackson Thu, 01/28/2021 - 15:15 A Letter of Introduction From The Portfolio Managers At Brown Advisory, we are deeply committed to sustainable investing. Enclosed is our 2020 Impact Report for the Tax-Exempt Sustainable Fixed Income strategy. 31, 2020.

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Brown Advisory

JANUARY 28, 2021

2020 Impact Report: Tax-Exempt Sustainable Fixed Income Strategy. Thu, 01/28/2021 - 15:15. . A Letter of Introduction From The Portfolio Managers. Enclosed is our 2020 Impact Report for the Tax-Exempt Sustainable Fixed Income strategy. Portfolio Manager. Portfolio Manager. . . . . 31, 2020.

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Random Roger's Retirement Planning

MARCH 30, 2025

MCW also did great in 2021, 2020 and 2019. A portfolio with an enormous weighting to one or two broad based factors is not really what I do but it clearly can work but just like any other strategy you can find, it won't always be optimal. Speaking of AI, Grok seems to like the portfolio. Occasionally of course, MCW gets pasted.

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Random Roger's Retirement Planning

JANUARY 1, 2025

Barron's has an article about how to protect your portfolio , er sort of. Basically, after a couple of quotes from William Bengen, father of the 4% rule, about his tactical portfolio currently being 37% allocated to equities, there are a couple of suggestions from William Bernstein about just having less equity exposure. Portfolio No.

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Random Roger's Retirement Planning

JANUARY 2, 2024

We talk frequently about smoothing out a portfolio's ride. A smoother ride hopefully reduces the odds of panicking when the market goes down a lot with the idea being that a portfolio constructed to have less volatility than the broad market will probably be down a lot less during years like 2008 or 2022.

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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. 90/40 was down 1.56% and Portfolio 3 was up 3.25%.

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Good Financial Cents

DECEMBER 29, 2022

1: Build a Diversified Portfolio With Fractional Share Investing. Who It’s Best For: Fractional share investing is a good option for anyone who wants to diversify their portfolio by investing in different companies. 2: Build a Micro Real Estate Portfolio. 2: Build a Micro Real Estate Portfolio. Risk level: Medium.

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Random Roger's Retirement Planning

OCTOBER 14, 2024

This should be a good way to work through the expectation that a fund is setting, whether it generally meets that expectation and how it might fit into a simple portfolio. The fund started trading in late 2021 and is small, with $69 million in AUM. It was down much less in 2022 but interestingly, it was down in 2021 too.

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Cordant Wealth Partners

DECEMBER 11, 2020

Today we are going to tell you everything you need to know about the upcoming 2021 changes to the Intel Minimum Pension Plan (MPP). There now exists a meaningful incentive for many long-time Intel employees to retire from Intel before May 2021. This calculation is done using an annuity factor, which is what is changing in 2021.

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Trade Brains

OCTOBER 12, 2023

Womencart’s product portfolio boasts approximately 10,000 SKUs from its own brand as well as various national and international brands. In 2021, India’s e-commerce sector received a record US$ 15 billion in PE/VC investments, a 5.4 crore in March 2021 to ₹8.7 lakhs in March 2021 to ₹47 lakh in March 2023. crore in 2023.

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Random Roger's Retirement Planning

DECEMBER 22, 2024

This brings us to the heart of today's post about trying to build a set but don't completely forget portfolio. This slice of the portfolio will go down more often than not, it is a tool to smooth out the ride. Referencing the weightings above, all of the portfolios have 65% in equity beta. One last thought before closing out.

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Random Roger's Retirement Planning

JANUARY 30, 2025

TRTY is a quadrant sort of permanent portfolio inspired idea. The full term backtest of Trinity/Permanent Inspired is compelling of course but it trailed VBAIX and PRPFX in 2020, 2021 and 2023. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

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Random Roger's Retirement Planning

JANUARY 10, 2024

When we talk about expat living, I always say to not sell your house, to rent it out and live off the rental cash flow, allowing Social Security and the portfolio to grow. Options trading, mostly covered calls, is one we've talked about a lot lately, expecting it to keep up in years like 2023, 2021 or 2019 is simply the wrong expectation.

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Random Roger's Retirement Planning

OCTOBER 15, 2024

In the 3rd quarter of 2021, Bitcoin doubled and you can see GLDPX didn't capture any of it. It did capture the decline in Bitcoin that ran from November 2021 to Feb 2022. The gold smoothed out the ride when Bitcoin was more volatile in 2021 and lately the 300/50 blend has been pulling ahead. The fund did not last long.

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