A Wealth of Common Sense

FEBRUARY 26, 2024

Today’s Talk Your Book is brought to you by Franklin Templeton: We had Josh Greco, Senior VP and Senior Institutional Portfolio Manager for Franklin Income Investors to discuss Franklin Templeton’s Income Focus ETF.

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Random Roger's Retirement Planning

MARCH 30, 2024

I stumbled into some content about model ETF portfolios including one interesting portfolio that was comprised of ETFs that I'd mostly never heard of. It was impressive that the portfolio was not just a collection of the largest Vanguard, iShares or Schwab ETFs. The above goes back to GHTA's inception.

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Dear Mr. Market

AUGUST 5, 2022

Not only are we sharing the importance of dividends in this article, but it’s also the official roll-out of the Top 10 Dividend Growth Portfolio strategy managed by My Portfolio Guide, LLC. The Top 10 Dividend Growth Portfolio strategy is a concentrated portfolio.

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Random Roger's Retirement Planning

JANUARY 9, 2023

Brett Arends had a head scratcher of an article about a "crazy retirement portfolio" that has beaten the market for 50 years. The portfolio itself equal weights seven asset classes as follows. The ETFs in the image are the ones Brett suggested as proxies for each asset class.

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WiserAdvisor

SEPTEMBER 8, 2022

This is why portfolio risk management can be very critical. However, it is crucial to understand how to manage portfolio risk and what can trigger it. What is portfolio risk? In the case of an investment portfolio, risk refers to the likelihood of your combination of assets and investments not meeting your financial goals.

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Random Roger's Retirement Planning

APRIL 10, 2024

If you have a combined $40,000 benefit, that's like having another $1 million in your portfolio. The relevance ties into asset allocation. In this context, a $1 million Social Security "portfolio" is considered fixed income. Even if all $500,000 is allocated to equities, that's only 1/3 in equities.

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Random Roger's Retirement Planning

MARCH 29, 2024

Return Stacked ETFs wrote a short paper in support of their ETF suite about how to incorporate return stacking into a portfolio. For anyone new, return stacking, also known as capital efficient, involves leverage to build a diversified portfolio. The idea is not that you would put 100% of a portfolio into that fund.

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The Chicago Financial Planner

JUNE 13, 2022

After a strong finish in 2020 and very solid returns in 2021, we’ve seen a lot of market volatility so far in 2022. Ideally you’ve been rebalancing your portfolio along the way and your asset allocation is largely in line with your plan and your risk tolerance. The S&P 500 index was down about 17.6%

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Nationwide Financial

JANUARY 25, 2023

Review risk tolerance and current asset allocation strategy It’s important to ensure your clients’ portfolios align with their risk tolerance because taking too much risk can negatively impact their ability to navigate market fluctuations. Suppose they made emotional investment decisions during the market volatility of 2022.

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Random Roger's Retirement Planning

MAY 10, 2024

For all the blog posts about about how to build alternatives into a portfolio, the idea from my perspective is how to compliment the equity allocation in a manner that is more effective than traditional fixed income exposure which hopefully leads to a better long term, risk adjusted returns. So far, it hasn't done that.

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Darrow Wealth Management

JUNE 27, 2022

Since trying to time regime changes is very difficult in real time without the benefit of hindsight, there are reasons to consider allocating both U.S. equities to an asset allocation. equity may be able to help reduce risk in a portfolio. By way of example, consider this hypothetical 60/40 portfolio of stocks to bonds.

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Random Roger's Retirement Planning

DECEMBER 30, 2023

If all you use is a broad index fund then it will either be a good year or not so good, but assuming the proper asset allocation, who cares? The divergence of MCW from 2022 to 2023 is shocking. That's enough to get it done assuming an adequate savings rate, appropriate asset allocation and no panicking.

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Random Roger's Retirement Planning

APRIL 22, 2024

Some other alternatives do their own thing in such a way that they complement equity exposure to reduce volatility and drawdowns without lowering the long term growth of the portfolio. It offers this pie chart to show its current asset allocation. VOLSX outperformed in 2021 and 2023 but fell twice as much as the others in 2022.

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The Big Picture

NOVEMBER 14, 2022

My back-to-work morning train WFH reads: • Big Investors Are Giving Up on Crypto Markets Going Mainstream : Bitcoin as a portfolio diversifier hasn’t worked for investors Crypto won’t ‘find a home in institutional asset allocation’. Bloomberg ). Wall Street Journal ). • Morningstar ). Institutional Investor ). Morningstar ).

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James Hendries

OCTOBER 7, 2022

Said another way, this is the longest period since 1976 that bonds haven’t played the traditional role in portfolios by offsetting losses in the stock market. The value proposition for core bonds is that they tend to provide liquidity, diversification, and positive total returns to portfolios. So why own bonds at all?

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Discipline Funds

NOVEMBER 8, 2023

and inflation peaked back in 2022 almost exactly to the month we predicted. Asset Allocation The Discipline Index is our core benchmark index and has an average duration, as measured in the Defined Duration strategy , of 10 years. Real GDP has averaged 2.3% On the fixed income side the credit monitors remain very conservative.

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Fortune Financial

SEPTEMBER 29, 2022

While returns are important to overall growth, having the discipline to contribute on a regular basis over many years along with a well-diversified portfolio plays a more critical role in achieving a positive result. . If you have a lower-risk retirement portfolio, you should not expect annual market returns of 7-10%.

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James Hendries

NOVEMBER 3, 2022

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non diversified portfolio. Asset allocation does not ensure a profit or protect against a loss. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.

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Discipline Funds

JULY 25, 2023

In 2022 the global stock market was down -18% and has rebounded +17% year to date. Of course, if you lived through it in real-time 2022 was pure panic and 2023 has been pure euphoria. 1 The financial markets are where we allocate our savings. 1 – See “The Total Portfolio” perspective.

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A Wealth of Common Sense

NOVEMBER 15, 2022

The more exciting your portfolio, the worse your performance is in this bear market. Those old stodgy blue chip stocks in the Dow that pay dividends and have stable cash flows are crushing the innovation-led stocks that have more potential than profits in 2022. Boring is better this year in the markets.

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Discipline Funds

MAY 15, 2024

Dave is obviously very good at making money, but I think he could benefit from viewing his stock portfolio more like he views his actual business and the way a business grows over very long time horizons. since 2022. from 1948-2022. RGDP has averaged just 2.3% It averaged 3.2%

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A Wealth of Common Sense

JANUARY 10, 2023

It’s now well-documented that 2022 is one of the worst years in history for financial markets. The logical next step is to look at what has happened next following the prior worst years for stocks, bonds and diversified portfolios. Last year was one of the worst years ever for stocks and the worst year ever for bonds.

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Random Roger's Retirement Planning

JUNE 17, 2023

The context is someone who has enough money to be able to avoid a normal allocation to risk assets with general idea underlying the piece is that it would be easy to just say T-bills and in nominal terms, that would be true but factoring in the loss of purchasing power due to inflation, that would not be the case. The results.

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Random Roger's Retirement Planning

NOVEMBER 12, 2023

The idea that fund company determines the asset allocation, referred to in this context as a glide path, makes no sense to me and then factor in that fund companies uses different glide paths. They collectively did terribly in the Financial Crisis and they did terribly in 2022.

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Fortune Financial

JUNE 21, 2022

It is in some ways a welcome reminder that prudent portfolio construction is a delicate balancing act that should strive to be as agnostic about the future as possible since it seems that the risks we too often discount are those that present the gravest dangers.

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Random Roger's Retirement Planning

NOVEMBER 14, 2023

Early today the Rational/ReSolve Adaptive Asset Allocation Fund (RDMIX) sent out it's monthly report providing an update on how things are going. RDMIX is a multi-asset and I would say multi-strategy fund that uses a lot of sophisticated strategies along with some amount of leverage. I enjoy their portfolio theory content.

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ClearMoney

FEBRUARY 22, 2022

—Gwynn Guilford, Wall Street Journal , January 13, 2022. Harriett Torry and Anthony DeBarros, Wall Street Journal , January 18, 2022. Gunjan Banerji and Peter Santilli, Wall Street Journal , January 18, 2022. Gunjan Banerji and Will Horner, Wall Street Journal , January 26, 2022. Consider Felicity Foresight. Rather well.

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SEI

AUGUST 2, 2022

Tue, 08/02/2022 - 12:48. Discussions covered a range of topics, including foundation operations, inflation and return expectations, processes for unspent distributions, asset allocation changes, and governance findings. Generally, less than 10% of the portfolio was effected. SEI/AGB roundtable recap. Governance.

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Validea

JANUARY 4, 2023

We’ve been running quantitative model portfolios since 2003. In reviewing the returns for our portfolios in 2022, which were difficult for the markets and investors, things mostly played out as you may have expected as we look back with hindsight, although there are a few surprises and important lessons I think we can draw from the results.

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Brown Advisory

MARCH 18, 2022

CIO Perspectives Webinar, 2022 Asset Allocation Outlook mhannan Fri, 03/18/2022 - 06:42 Markets have been unsteady at the start of 2022, driven by geopolitical tensions, inflation, and concerns about equity valuations. This year’s report examines several issues that the team is monitoring as we head into 2022.

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Brown Advisory

MARCH 18, 2022

CIO Perspectives Webinar, 2022 Asset Allocation Outlook. Fri, 03/18/2022 - 06:42. Markets have been unsteady at the start of 2022, driven by geopolitical tensions, inflation, and concerns about equity valuations. CIO Perspectives Webinar, 2022 Asset Allocation Outlook . Download transcript.

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Random Roger's Retirement Planning

JULY 9, 2022

The mindset behind that if I haven't said it this way is more like taking that money off the table without meaningfully changing your asset allocation to favor bonds with the rest of your portfolio. You could use diversifiers to lower your portfolio's beta (your portfolio's sensitivity to the ups and downs of the broad market).

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Carson Wealth

JANUARY 2, 2024

Artificial Intelligence Grabs the Spotlight Jake Bleicher, Portfolio Manager To me, the narrative of 2023 is captured by a chart showing the performance of NVIDIA, the maker of high-end computer chips that have become the bedrock of artificial intelligence (AI). in October 2022 and causing a heap of pain since the summer of 2020.

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Random Roger's Retirement Planning

AUGUST 29, 2022

Here is RPAR pretty much since inception versus VBAIX which is a proxy for a 60/40 portfolio. RPAR takes some leverage to build its asset allocation but not a ton. Judging by the 2022 performance that has sort of happened. This really surprised me. This is from the literature.

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SEI

AUGUST 2, 2022

Tue, 08/02/2022 - 14:05. That’s why, when facing market volatility, stewards of long-term assets held at all types of nonprofit institutions recognize the importance of a well-thought-out investment process. . The second quarter of 2022 was a tough slog for investors with relatively few places to hide. Investments and economy.

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Random Roger's Retirement Planning

SEPTEMBER 25, 2023

Here's a table of failure rates of various asset allocations and withdrawal percentages from an article at Return Stacked Portfolio Solutions. I've long maintained that the growth in the portfolio, presumably from the equity allocation, will take care of the inflation issue. Hopefully they're correct.

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Dear Mr. Market

MARCH 17, 2024

My Portfolio Guide, LLC was the first investment firm to publish a March Madness investing bracket where we share our picks and match them up against each other. We break down and assign each of the four “regions” with an asset class and then pick teams (stocks) that we think have the best chance at doing well relative to others.

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