Remove 2022 Remove Math Remove Retirement
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Avoid the Unforced Investment Errors Even Billionaires Make

The Big Picture

I have made some fortuitously timed buys, including Nasdaq 100 (QQQ) calls purchased during the October 2022 lows. My buddy could pay off his mortgage and car loans, pre-pay the kids colleges, fully fund retirement accounts, and still have cash left over. I was up so much on that trade that my trading demons were emboldened.

Investing 267
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The “Art” of Market Timing

The Big Picture

When you get it wrong, it crushes your retirement plans. My own track record at making big calls is pretty damned good, but none of our clients wants me slinging around their retirement monies based on my gut instinct. But when they get market timing wrong, they lose subscribers. I sure as hell don’t want to either.

Marketing 304
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What To Do When The Bitcoin Math Doesn't Math

Random Roger's Retirement Planning

There were 127 million US households as of 2022. First, is the math right based on my numbers? That 40% could own Bitcoin makes no intuitive sense to me, I guess 20% is possible but that too seems a little high but who knows? So 25 million of them own a little Bitcoin worth a couple of hundred dollars?

Math 52
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Let’s Talk Social Security

Integrity Financial Planning

For most, Social Security provides a solid foundation for retirement income. In fact, as of September 2022, over 70 million Americans were collecting benefits. [1] Let’s discuss how you can maximize your benefits and give yourself the best possible chance to live out the retirement of your dreams.

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Did A Liquid Alternative Just Blow up?

Random Roger's Retirement Planning

The fund owns a lot of puts and should go up a lot in the face of a crash but not necessarily a slow protracted decline like there was in 2022. According to Portfoliovisualizer, CYA dropped 46.10% in 2022. The fund in question is the Simplify Tail Risk Strategy ETF (CYA). Here's what caught my eye that it might have blown up.

Math 105
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Word Association

Random Roger's Retirement Planning

The "endowment" result is very close to red line VBAIX every year except 2020 when it lagged by almost 600 basis point and 2022 when it outperformed by about 500 basis points. The portfolio did just fine, it captured most of the upside and avoided the full brunt in 2022's large decline.

Math 52
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"Bear Market Cumulative Returns"

Random Roger's Retirement Planning

And checking in on the GraniteShares YieldBoost SPY ETF (YSPY) that sells put spreads on a levered S&P 500 ETF; Yes, that is a rough start, clearly, but interestingly the math checks out. Then it made it back in 2022 when it was only down 1.1%. YSPY sells put spreads on a 3x fund.