Abnormal Returns

JULY 26, 2022

alphaarchitect.com) Performance The performance of tactical asset allocation mutual funds has been no great shakes. evidenceinvestor.com) Research The accounting treatment of intangible investments is too conservative. Inflation Hedging inflation is harder than it looks.

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Risk Management Management Asset Allocation Media 130

Validea

APRIL 17, 2023

Most investors pay close attention to their asset allocation. And that makes sense since research has shown that the asset classes a portfolio is allocated to drive the majority of its return over time. But asset allocation isn’t the whole story.

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Assets Asset Allocation Taxes Accounting 52

Random Roger's Retirement Planning

MARCH 30, 2024

which accounts for about half of it's total outperformance since inception. Circling back to model ETF portfolio mentioned at the top of this post, the asset allocation was as follows. Right out of the starting block for GHTA, VBAIX fell off a small cliff and GHTA managed to avoid that decline.

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Discipline Funds

FEBRUARY 21, 2023

Traditional portfolio management applies allocation models that account for risk per unit of return, but fail to account for the problem of time within this process. All Duration Investing is a common sense approach to asset allocation using a dynamic asset allocation with a financial planning based foundation.

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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. You can help them start the year right by conducting a retirement checkup.

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WiserAdvisor

FEBRUARY 29, 2024

They help with asset allocation Asset allocation is an important component of successful retirement planning, and working with the best financial advisors for retirement can provide invaluable guidance in navigating this complex terrain. This can help optimize your wealth accumulation while mitigating unnecessary risks.

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Financial Advisor Retirement Asset Allocation Risk Tolerance 59

Carson Wealth

APRIL 25, 2024

Investment strategy: Determine asset allocation and investment vehicles aligned with risk tolerance and financial goals. Retirement planning: Calculate retirement needs and contribute regularly to retirement accounts. Debt management: Develop a strategy to pay off existing debts efficiently, minimizing interest costs.

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Financial Planning Planning Retirement Insurance Coverage 97

Nationwide Financial

DECEMBER 7, 2022

A market downturn at the start of retirement, hitting portfolio values when retirees begin to take account withdrawals, can be unsettling, even for seasoned investors. It’s not surprising to see many investors checking their retirement account balances more than three times per week (53% of women and 34% of men report doing this*).

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Investing Caffeine

JULY 5, 2023

Throughout history the prominent Wall Street mantra has been, “Don’t fight the Fed.” In essence, the credo instructs investors to sell stocks when the Federal Reserve increases its Federal Funds interest rate target and buy stocks when the Fed cuts its benchmark objective.

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Accounting CFP Investing Investments 52

MainStreet Financial Planning

DECEMBER 20, 2023

Beef up your emergency fund – A good rule of thumb is to have between 3-6 months’ worth of expenses set aside in a high-yield savings account. The catch-up contribution (available for anyone over age 50) remains the same at $7500 for elective deferral account and $1k/year for Traditional and Roth IRAs.

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WiserAdvisor

FEBRUARY 12, 2024

Asset allocation is the primary building block of any investment strategy. It is the process of spreading investments across various asset classes to optimize the balance between risk and potential returns. Below are the key terms associated with asset allocation.

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Asset Allocation Assets Risk Tolerance Portfolio 59

SEI

AUGUST 2, 2022

Discussions covered a range of topics, including foundation operations, inflation and return expectations, processes for unspent distributions, asset allocation changes, and governance findings. Sessions were segmented by size to ensure relevant insights and idea sharing. 78% oversee special events (vs. 47% of $100-500M).

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Asset Allocation Budgeting Nonprofit Distribution 52

Darrow Wealth Management

JANUARY 30, 2023

The age when retirees must begin drawing from non-Roth retirement accounts increases to 73 in 2023, then 75 in 2033. Those born between 1951 – 1959 can delay taking money from retirement accounts in their own name until 73. Remaining funds can be invested in a brokerage account. The Secure Act 2.0

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Distribution Tax Planning Retirement Taxes 81

Talon Wealth

OCTOBER 26, 2023

Retirement accounts like 401(k)s and IRAs provide the advantage of tax-deferred growth, saving you significant amounts of money in taxes over the long term. Research different retirement accounts and investments to determine which is best for your individual needs. Consider early retirement tax planning.

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WiserAdvisor

DECEMBER 15, 2023

For instance, they can guide you on leveraging employer-sponsored retirement plans, such as a 401(k) with employer matches, to optimize your contributions and harness the full benefits of the accounts. For example, a financial advisor may help you identify and leverage tax-advantaged accounts, such as the Health Savings Account (HSA).

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Financial Advisor Retirement Risk Tolerance Retirement Planning 59

The Chicago Financial Planner

FEBRUARY 5, 2022

Perhaps it’s time to rebalance and to rethink your ongoing asset allocation. View all accounts as part of a total portfolio. This means IRAs, your 401(k) , taxable accounts, mutual funds , individual stocks and bonds, etc. Costs matter. Low cost index mutual funds and ETFs can be great core holdings.

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A Wealth of Common Sense

FEBRUARY 16, 2024

Early on in my savings journey I prioritized tax-deferred retirement accounts over all else. I like the ease and simplicity of 401k contributions coming out of my paycheck before it ever even touches my checking account. It’s easy to automate. Plus, I like the fact that it’s difficult to get the money out of these ac.

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Portfolio Management Retirement Planning Portfolio Management 104

WiserAdvisor

DECEMBER 2, 2022

However, what is equally critical when it comes to creating a portfolio is asset allocation and selection. Asset allocation aims to balance risk and reward through a portfolio composition of different kinds of assets. If not allocated efficiently, you may become subject to a slew of taxes and other charges.

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Asset Allocation Assets Portfolio Risk Tolerance 52

Random Roger's Retirement Planning

AUGUST 27, 2022

A point we've been making here for ages is that with an adequate savings rate, appropriate asset allocation and the ability to avoid succumbing to panic, an investor should be able to have retirement plan success as defined above. They've generally captured what the market has done since the inception of the account.

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Asset Allocation Retirement Portfolio Retirement Planning 73

Good Financial Cents

MAY 1, 2023

A Contributory IRA, otherwise known as a traditional IRA , is a retirement savings account that allows individuals to make contributions from their earned income. Contributory IRA accounts are held by custodians, such as banks, brokerage firms, and mutual fund companies.

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Risk Tolerance Taxes Retirement Retirement Planning 94

Darrow Wealth Management

AUGUST 30, 2022

Depending on your financial situation and the type of asset you inherit, your options may differ. Inherited cash, stocks, or a brokerage account. Inheriting money or taxable investment accounts has some big benefits. Further, many beneficiaries are eligible for a step-up in basis on eligible assets.

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Distribution Retirement Accounting Taxes 90

WiserAdvisor

DECEMBER 13, 2023

Adapt your approach Late starters should consider a strategic shift in their asset allocation. Automate savings for effortless growth Make saving effortless by setting up automatic contributions from your paycheck or bank account. Review your investments to ensure they align with your risk tolerance and time horizon.

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Retirement Risk Tolerance Retirement Planning Taxes 45

The Irrelevant Investor

JUNE 18, 2019

Where should I open my first investment account? What should my asset allocation be? We get a lot of the same questions for people who are new to investing: What is the first thing a beginning investor should do? How should I pick stocks or funds? What should I be reading or listening to?

Asset Allocation 52

Asset Allocation Accounting Assets Investing 52

Random Roger's Retirement Planning

APRIL 29, 2024

Quick disclaimer that I am test driving ISPY in one of my accounts for possible use for clients. I think solving the idea of how to derisk comes down to a couple of things, finding the more reliable derisking effect as well as maintaining the proper asset allocation for the investor in question.

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Talon Wealth

OCTOBER 26, 2023

For example, you may invest in tax-advantaged accounts, such as a traditional IRA, because it will offer the most tax benefits. However, you may not understand what is the purpose of tax-deferred retirement accounts or understand that these accounts may not necessarily provide the best investment options for your situation.

Retirement 52

Retirement Taxes Retirement Planning Risk Tolerance 52

Darrow Wealth Management

MAY 22, 2023

But before proclaiming cash is king and parking your money in an FDIC insured bank account, consider your time frame and how you plan to use the money. The silver lining is cash (and equivalents), such as money markets, high-yield savings accounts, CDs, and short-term U.S. Hold cash or invest? But it won’t last forever.

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Investing Investments Wealth Management Accounting 90

The Chicago Financial Planner

NOVEMBER 8, 2021

During the financial crisis there were many stories about how our 401(k) accounts had become “201(k)s.” If so, this is a good time to revisit your asset allocation and perhaps reduce your overall risk. As someone saving for retirement , what should you do now? Review and rebalance . Learn from the past .

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Discipline Funds

JULY 25, 2023

These numbers are wildly unrealistic because they do not account for taxes ,fees, inflation and the fact that these returns are very inconsistent on a year-to-year basis. 3) Establish a time based allocation. A good financial plan needs to allocate assets using a time blocking asset allocation like our All Duration strategy.

Asset Allocation 52

Asset Allocation Marketing Marketing Financial Market 52

Talon Wealth

AUGUST 26, 2023

For example, you may invest in tax-advantaged accounts, such as a traditional IRA, because it will offer the most tax benefits. However, you may not understand what is the purpose of tax-deferred retirement accounts or understand that these accounts may not necessarily provide the best investment options for your situation.

Retirement 52

Retirement Taxes Retirement Planning Risk Tolerance 52

Trade Brains

DECEMBER 7, 2023

The topics covered are personal finance & investment planning, risk, return & asset allocation, equity markets, analysis, investing, mutual funds and strategies for wealth creation. You can enroll in the course here. The personnel finance course offered by Udemy is a 16-hour on-demand video course covered in 23 sections.

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Budgeting Certification Education Asset Allocation 59

A Wealth of Common Sense

SEPTEMBER 7, 2023

I also have a small personal investment account. I get a base salary and a bonus for performance. So a good amount of my annual earnings are tied to the performance of the companies I pick. My question is around how I should think about investing this – should I use the fact that I spend.

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Random Roger's Retirement Planning

APRIL 22, 2024

It offers this pie chart to show its current asset allocation. The fact sheet does not define what 75/25 means but the prospectus says it allocates 75% to long volatility and 25% to short volatility. Either way, it is not apparent to me how the fund had 25% allocated to short volatility in either instance.

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Portfolio Asset Allocation Assets Management 83

Carson Wealth

DECEMBER 1, 2022

Most employer retirement plans allow you to save on a tax-deferred basis, meaning that contributions into these types of accounts are not considered in calculating your taxable income. . Additionally, her employer will put $4,000 in her account annually as a match.? ? . Compounding interest can be power for Lisa.

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Retirement Planning Risk Tolerance Retirement Budgeting 72

Discipline Funds

NOVEMBER 17, 2023

A lot of this depends on which market you look at and what time horizon, but the global stock market has generated nowhere near 10% when you account for real factors like inflation, taxes and fees. And they’re the things that can blow up a retirement plan if you don’t make conservative estimates that properly account for them.

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WiserAdvisor

DECEMBER 3, 2023

It allows you to realign your asset allocations as your financial objectives evolve. Rebalancing also prevents portfolio drift by maintaining your preferred target allocations. Suppose your stock allocation grows to 70% of your total allocation. Moreover, this method is straightforward and simple to implement.

Portfolio 52

Portfolio Risk Tolerance Asset Allocation Financial Advisor 52

Trade Brains

JANUARY 20, 2024

of new investors have opened their Demat account in FY21 and FY22 respectively. Client Base : 7 million + Market share : 18.33% Charges Account opening charges: Rs. 20 (whichever is lower) Account Maintenance charges: Rs.300 Client Base : 7 million + Market share : 18.33% Charges Account opening charges: Rs.

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Accounting Planning Startup Clients 59

A Wealth of Common Sense

JANUARY 19, 2023

A reader asks: Is it crazy to be 100% in stocks from age 32 to sometime in my 50s for my retirement accounts? And another reader asks a similar question: I don’t get why people work a 30+ year career while investing in stocks only to glide path into a heavier bond allocation around retirement.

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