DOL Opens Door for Crypto in 401(k)s
Wealth Management
MAY 28, 2025
The Department of Labor rescinded its 2022 guidance cautioning against cryptocurrency in 401(k) plans, reaffirming a neutral stance on digital assets in retirement accounts.
Lawler: Some Observations on the Federal Reserve’s Balance Sheet Wind-Down and Reinvestment “Strategy” (Still in Quantitative Easing Mode, Just Less So)
Calculated Risk
MARCH 11, 2025
From housing economist Tom Lawler: From the beginning of 2020 to early June of 2022 the Federal Reserves balance sheet more than doubled to an almost inconceivable $8.9 Inquiring minds might want to know why the Federal Reserve did not achieve its balance sheet targets by selling longer maturity/duration assets it had previously purchased.
Assets 
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Lawler: Federal Reserve Earnings Still Running Negative; No Remittances to Treasury for a While
Calculated Risk
MARCH 4, 2025
The reason, of course, is that the Federal Reserve funded the bulk of these long-term fixed rate assets with increases in interest-bearing very short-term liabilities mainly depository institution deposits (reserves) and repos --with interest rates tied to the federal funds rate. release, and is available in the FRED database.
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Fed's Flow of Funds: Household Net Worth Decreased $1.6 Trillion in Q1
Calculated Risk
JUNE 12, 2025
This includes real estate and financial assets (stocks, bonds, pension reserves, deposits, etc.) The third graph shows household real estate assets and mortgage debt as a percent of GDP. The first graph shows Households and Nonprofit net worth as a percent of GDP. Net worth decreased $1.6 trillion in Q1. Mortgage debt is up $2.78
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A Spectacularly Underappreciated 15 Years
The Big Picture
APRIL 28, 2025
2022 down 18% for the year.4 What has developed over the entirety of the post-financial crisis era of rising equity markets and until 2022, falling or zero interest rates.The good news is that this is how you build wealth over the long haul. Plus bonds down 15% – the first double-digit drop for both asset classes in 4 decades.
Risk Management 329
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Just Don't With Private Assets
Random Roger's Retirement Planning
FEBRUARY 8, 2025
Barron's had a very quick look at the recent popularity of private assets to try to figure out whether investors should wade into the space. Consumer discretionary is another one that pretty reliably outperforms for ten year periods, not the last couple though after getting whacked pretty hard in 2022 though.
Assets 52
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Hong Kong Embraces Crypto Regulations – Will China Join In?
Trade Brains
JUNE 29, 2025
The government just unveiled its second major digital asset policy statement. This includes digital asset service providers and exchanges. Building a Regulated Hub This move builds upon Hong Kong’s 2022 commitment. Officials explore asset tokenisation. It also promises incentives for tokenising real assets.
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Fed's Flow of Funds: Household Net Worth Increased $0.2 Trillion in Q4
Calculated Risk
MARCH 13, 2025
This includes real estate and financial assets (stocks, bonds, pension reserves, deposits, etc.) The third graph shows household real estate assets and mortgage debt as a percent of GDP. Net worth increased $0.2 trillion in Q4 to an all-time high. As a percent of GDP, net worth decreased in Q4 and is below the peak in 2021.
Nonprofit 162
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At the Money: Matt Hougan on Crypto Technology
The Big Picture
JANUARY 8, 2025
Fulltranscript below. ~~~ About this weeks guest: Matt Hougan, Chief Investment Officer at Bitwise Asset Management discusses the best ways to responsibly manage crypto assets. His firm runs over $10 billion in client crypto assets. He’s the chief investment officer at Bitwise Asset Management. What is Bitcoin?
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Case-Shiller: National House Price Index Up 3.9% year-over-year in December
Calculated Risk
FEBRUARY 25, 2025
Luke, CFA, Head of Commodities, Real & Digital Assets at S&P Dow Jones Indices. lower than its post-pandemic peak reached in May 2022. National home prices have risen by 8.8% annually since 2020, led by markets in Florida, North Carolina, Southern California, and Arizona. San Francisco is now 11.0%
Economy 147
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Fynancial Wins 'Best in Show' at Wealth Management EDGE Tech Demos
Wealth Management
JUNE 20, 2025
CREDIT: Joey Corsica & SpotMyPhotos Founded in 2022, Fynancial is already used by some big RIA firms, like Sanctuary Wealth and is integrated with many top technology providers, including eMoney Advisor, Orion and Wealthbox. The audience was impressed by Mili's presentation and their vision of where AI notetaking is headed.
Will investors benefit if stocks and bonds go separate ways?
Nationwide Financial
AUGUST 21, 2024
The positive correlation between stocks and bonds, especially in 2022, hurt investors in balanced portfolios such as the traditional 60/40 stock/bond blended models. That’s why the traditional 60/40 portfolio suffered greatly in 2022, as stock and bond values correlated positively and declined in tandem.
Portfolio 52
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$27B Choreo Taps Former Edelman Exec as CEO
Wealth Management
JULY 1, 2025
Boston-Area RIA by Diana Britton Jul 1, 2025 2 Min Read Investment Related Topics Alternative Investments Digital Assets Equities ETFs Fixed Income Investing Strategies Mutual Funds Real Estate SMAs Recent in Investment See All Alternative investment visualization with stacks of coins and percentage signs. Boston-Area RIA Mercer Acquires $1.1B
The United States Sovereign Wealth ETF
Random Roger's Retirement Planning
MARCH 5, 2025
We have an oil reserve already as well as a gold reserve which are sort of "break glass in case of emergency" assets while a SWF is more of a pool of capital that is typically derived from some sort of byproduct, like oil in the case of Norway, where that byproduct creates a surplus for the country. but it was low in 2022 when it mattered.
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Why Gen 2 Advisors Are a Flight Risk
Wealth Management
JULY 18, 2025
Cohen built the firm up over the years as a Kestra affiliate, eventually selling to Bluespring in 2022. Advisor Brennan said that, when he considered the strong client demand for wealth management in Colorado, he didn’t see a need to be with a larger firm or name brand to manage tens of millions of dollars in client assets in a short time.
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Three Things – Big Ol’ Data Dump
Discipline Funds
APRIL 30, 2025
I wish I’d owned a lot more given that it’s up 84% since 2022 while the global stock market is up 15% and aggregate bonds are down -3.5%. So, when the Dollar ripped 28% in 2021 and 2022 I figured it might be beneficial to hedge that exposure since I consume everything in Dollars. It’s down 22% from its 2022 highs.
Insurance 75
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Avoid Making These Mistakes to Safeguard Your Wealth
WiserAdvisor
JUNE 13, 2025
Below are some of the mistakes you should avoid making to secure your wealth: Mistake #1: Not diversifying your investments Investing too much of your money into one sector, one type of asset, or one region can expose your wealth to unnecessary risk. Take the year 2022, for example. That’s why diversification matters. The good news?
Shorting The Short
Random Roger's Retirement Planning
JUNE 2, 2025
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%. If I had gotten a real answer I would have asked the same for 2022. Risk parity generally leverages up on bonds to even out the risk allocation of a multi asset portfolio.
Portfolio 59
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How Inflation Can Impact Your Retirement Plan – What You Must Know Now!
Trade Brains
JULY 9, 2025
at the start of 2022, given an average inflation rate of 7.5% at the start of 2022, given an average inflation rate of 7.5% Real estate or rental assets – Income and property values often rise with inflation. Rebalance annually—markets shift, and your asset mix should too. over that period.
Tax Advisor Weekly – April 4, 2025
Harness Wealth
APRIL 4, 2025
During fiscal years 2022 through 2024, 87.3% During fiscal years 2022 through 2024, 87.3% billion in assets tied to criminal activity, and obtain $1.4 IRS-CI released FY24 Bank Secrecy Act metrics Friday, demonstrating how it uses BSA data to investigate financial crimes. IRS-CI also leveraged BSA data to identify $21.1
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Transcript: Velina Peneva, Swiss Re Chief Investment Officer
The Big Picture
JULY 1, 2025
She runs their private internal fund, about $108 billion that she manages primarily in fixed income, private credit, a variety of other assets. Here is the plan, here’s how you should go about in this deal or in, in this new asset class. What motivated the transition to full-time asset management?
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Deals & Moves: AmeriFlex Adds $280M California Team From Osaic
Wealth Management
JULY 25, 2025
Summit Financial & Insurance Services, which manages about $280 million of client assets, joins from Osaic, which AmeriFlex departed last month. billion in client assets. based advisor with over $400 million in client assets, has joined Raymond James & Associates, the firm’s employee advisor channel. The Cheyenne, Wyo.-based
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JPMorgan Asks Court To Stop Ex-Advisor Who Joined Wells Fargo From Soliciting Clients
Wealth Management
JULY 15, 2025
True North Expands in SF by Alex Ortolani Jul 15, 2025 3 Min Read Investment Related Topics Alternative Investments Digital Assets Equities ETFs Fixed Income Investing Strategies Mutual Funds Real Estate SMAs Recent in Investment See All Alternative investment visualization with stacks of coins and percentage signs.
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Market Commentary: S&P 500 Approaching All-Time High but US Economic Momentum Slowing
Carson Wealth
JUNE 9, 2025
The good news is we do anticipate the US may play catch up the rest of 2025, but big picture, this is a global bull market and investors are being rewarded for being in risk assets. Current levels are similar to what we saw in mid-2022, when recession risks were elevated but the economy never plunged into an actual recession.
Economics 69
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Can Low Volatility Replace 60/40?
Random Roger's Retirement Planning
NOVEMBER 28, 2024
The first example to look at they call Leverage In The Strategic Asset Allocation via this table in the paper. All three were better than VBAIX in 2022 by 150-550 basis points. Somehow, it did worse than the S&P 500 by several hundred basis points in 2022. These are easy to model. The results are not skewed by one year.
Deconstructing Dalio
Random Roger's Retirement Planning
JANUARY 26, 2025
The article was thin but there was a reference to his "holy grail" of 10-15 uncorrelated assets in portfolio construction. We've looked at this a couple of times, it is interesting of course and actually having 10-15 uncorrelated assets in a portfolio would hit the mark for diversifying your diversifiers.
Portfolio 52
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A Guide to the Foreign Earned Income Exclusion (FEIE)
Harness Wealth
FEBRUARY 5, 2025
The Internal Revenue Service (IRS) adjusts FEIE exclusion amounts annually based on inflation, with the exclusion amounts for the past 5 years being as follows: Tax Year FEIE Amount 2025 $130,000 2024 $126,500 2023 $120,000 2022 $112,000 That said, the FEIE only applies to foreign earned income, with foreign passive income ineligible for exclusion.
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New Fund Fact Finding
Random Roger's Retirement Planning
FEBRUARY 20, 2025
The first question in the post was about how to categorize various types of alts which can be difficult, the article said, with the blending of strategies in one fund as well as the blending of assets classes in one fund. QAISX outperformed VBAIX by a good bit in every year except 2022. This is where the idea of expectations can help.
Portfolio 52
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Deconstructing Portable Alpha
Random Roger's Retirement Planning
FEBRUARY 12, 2025
The starting point for the Man article is that defined contribution investors need exposure to risk assets for more years and portable alpha to add alternatives, they say, is a better way to do it. Also PSLDX is capable of some huge drawdowns, dropping 43% in 2022 and 33% in 2008. PSLDX is the PIMCO StocksPLUS Long Duration Fund.
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Four Quadrant Portfolio Check Up
Random Roger's Retirement Planning
MARCH 12, 2025
AQR Multi-Asset (AQRIX) used to be called Risk Parity and it also does some quadranty stuff. The max drawdowns of the backtested portfolios bottomed out in late 2022 as follows To the extent quadrant style might intersect with all-weather, you can decide for yourself whether any of them were all weather enough.
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At the Money: Austan Goolsbee, Chicago Fed President on Tariffs, Inflation and Monetary Policy
The Big Picture
MARCH 6, 2025
You’ll remember as I came into the Fed, I started the very beginning of, of 2023 in December of 2022. And the reason it’s that is because part of buying a house is a financial asset. And then go fast forward to June, 2022, just as inflation was peaking, they were really high. Yeah, Barry, thanks for having me on.
Economy 157
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Charitable Giving: Helping to Ensure Compliance and Maximize Impact
Carson Wealth
MAY 7, 2025
According to a report from the consultancy Altrata , charitable contributions from ultra-high net worth individuals increased by almost 25% between 2018 and 2022 , illustrating a growing trend of philanthropic engagement. But they must distribute at least 5% of the assets each year.
Compliance 52
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Warren's Wisdom
Random Roger's Retirement Planning
MAY 4, 2025
The more someone trades, the more they are fighting that natural inertia other than proper asset allocation targets and mitigating sequence of return risk when relevant. The purple line went through a nasty drop in 2022. They can get 6% or 7% yields in quality assets, without having to go out on the yield curve.
#5 – “The US is a Minority of Global GDP”
Meb Faber Research
JULY 20, 2025
Linkedin RSS Twitter Youtube Home About Books Data Resources Managed Assets White Papers Speaking Podcasts Contact Search Header style 1 --> Linkedin RSS Twitter Youtube Sign in Welcome! Log into your account your username your password Forgot your password? rara) Deploy mode: deploy uid: 687dca94d918f -->
Economy 52
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The Ultimate Guide to Taxes on Secondaries
Harness Wealth
MARCH 27, 2025
Other reasons involve changes in investment strategy, portfolio rebalancing, or a simple desire to exit a specific asset class. Capital gains can result from the sale or exchange of capital assets, such as fund interests or portfolio company stock. This separates the UBTI/ECI-generating activity from the tax-exempt or non-U.S.
Taxes 52
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What It Takes to Be Wealthier Than Most Americans in 2025
Harness Wealth
APRIL 15, 2025
Data from the Federal Reserves 2022 Survey of Consumer Finances (SCF) (released in late 2023) offers the most recent comprehensive snapshot of American household wealth. Find Your Wealth Advisor at Harness How Net Worth Is Changing in America From 2016 to 2022, the median U.S.
Has ERISA Litigation Been Helpful or Harmful?
Wealth Management
JULY 28, 2025
Another plaintiff’s attorney, Carl Engstrom of Engstrom Lee, noted that total 401(k) plan costs have declined 30% from 2009, when 5500 forms became publicly available, until 2022, with the steepest declines among mega plans, which are the most frequent litigation targets.
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BankNifty Stock in focus after board to consider special dividend and its first ever bonus issue
Trade Brains
JULY 15, 2025
The shares of India’s largest private sector bank by assets rose ahead of a key board meeting scheduled for Saturday, July 19, where the lender will consider its first-ever bonus share issue and a special dividend. In April 2022, HDFC Ltd merged with HDFC Bank, combining strengths in banking and housing finance.
Banking 52
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Set But Don't Forget
Random Roger's Retirement Planning
DECEMBER 22, 2024
GAA stands for Global Asset Allocation and it has been lagging for 15 years. We spend a lot of time here on how to diversify to try to smooth out the ride and how to hold up better when markets have a year like 2022 or 2008. Here's a great chart to illustrate the point. GAA consistently had smaller drawdowns.
Portfolio 52
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Morning Coffee With Claude
Random Roger's Retirement Planning
MAY 22, 2025
Apple and Microsoft alone often represent over 40% of the fund, with the top 10 holdings typically comprising 60-70% of assets. The 2022 tech selloff and subsequent recovery periods would have hit XLK particularly hard due to this concentration. There was a little more but the above gives you the general idea.
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Weekend Reading For Financial Planners (May 3–4)
Nerd's Eye View
MAY 2, 2025
a ski chalet), assessing whether it will lead to greater overall wellbeing, or, alternatively, more stress, is more challenging Enjoy the 'light' reading! a ski chalet), assessing whether it will lead to greater overall wellbeing, or, alternatively, more stress, is more challenging Enjoy the 'light' reading!
4 Stocks to add to your watchlist after breaking out of their all time highs; Do you own any?
Trade Brains
JULY 16, 2025
Aarti Pharmalabs Limited Aarti Pharmalabs Limited was established in 2022 following a demerger from Aarti Industries and is engaged in manufacturing active pharmaceutical ingredients (APIs), intermediates, and specialty chemicals, serving global pharmaceutical, biotechnology, and healthcare companies with integrated research-driven solutions.
A Core Alternative?
Random Roger's Retirement Planning
FEBRUARY 1, 2025
The Abbey Capital Multi-Asset Fund (MAFIX) and the Catalyst Millburn Hedge Strategy Fund (MBXIX) both do something similar (MBXIX has a little more going on under the hood). It had a couple of terrible years this decade but was the best performer in 2022. And the year by year MBXIX is curious.
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Financial market round-up – Jul’25
Truemind Capital
JULY 18, 2025
annual rate, the first negative reading since Q1 2022. Other Asset Classes: Gold as an asset class has delivered the highest returns month over month in 2025 so far, driven by global macro and monetary tailwinds. In Q1’25 US Economy contracted at a rate of 0.5% in May), making interest rate decisions tricky.
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