Carson Wealth

MARCH 7, 2024

Let’s look at a few of the starting points today for a healthy retirement savings portfolio. Most individuals choose to have a certain amount of money transferred from each paycheck directly into their investment accounts so they don’t even have the option to spend it. Contributions are taxed on the way in with these accounts.

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Retirement Planning Retirement Planning Risk Tolerance 143

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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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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Portfolio Retirement Accounting Investing 145

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. This shift would have resulted in a riskier portfolio with increased volatility.

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Risk Tolerance Retirement Planning Asset Allocation Retirement 102

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

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. The All Duration Investing approach adds the element of time by quantifying a portfolio for returns per unit of risk across time.

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A Wealth of Common Sense

JULY 13, 2023

All of my investment accounts are 100% invested in stocks. The one thing I have a hard time finding a tried and true answer on when I do research is how to best allocate my stock investments among large-cap, mid-cap, international, emerging markets, etc. A reader asks: I am a 34-year-old with a high risk tolerance.

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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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Risk Tolerance Budgeting Asset Allocation Portfolio 90

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

Truemind Capital

MAY 19, 2020

In this blog, I am going to give you insights on the important aspects of investment management employed by the best investors and how we can use them to maximize our portfolio returns besides minimizing the risk. Use tactical allocation to make your portfolio future-ready. They don’t fight the forces, they use them.

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Portfolio Asset Allocation Valuation Assets 52

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. . The same philosophy applies to investing in your retirement account as early as possible.

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Random Roger's Retirement Planning

JULY 3, 2022

The Merger Fund (MERFX) continues to serve accounts as what I believe is a fixed income proxy. Client accounts also own hedges, call them alts if you'd like, that will hopefully help avoid the full brunt of large equity market declines, so far so good as we've talked about in several recent posts.

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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. Many near-retirees see their highest portfolio values just before retirement. For people nearing retirement, these challenges can be even more daunting.

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Retirement Asset Allocation Marketing Marketing 52

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. It also ensures that your portfolio caters to your risk appetite, irrespective of whether you are risk-averse or risk-tolerant.

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Financial Advisor Retirement Risk Tolerance Retirement Planning 59

The Chicago Financial Planner

FEBRUARY 5, 2022

What impact have the solid stock market gains of the past three years had on your portfolio? Perhaps it’s time to rebalance and to rethink your ongoing asset allocation. Solid, well-managed active funds can also contribute to a well-diversified portfolio. View all accounts as part of a total portfolio.

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Investing Investments Financial Planner Risk Tolerance 184

A Wealth of Common Sense

SEPTEMBER 7, 2023

A reader asks: My job is to run a concentrated 20 company portfolio (all listed companies, buy and hold, long term horizon etc.). 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.

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Investing Investments Management Accounting 134

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.” However, some of the folks who experienced losses well in excess of the market averages were victims of their own over-allocation to stocks. This is the time to review your portfolio allocation and rebalance if needed.

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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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Portfolio Asset Allocation Management Assets 77

WiserAdvisor

DECEMBER 2, 2022

When investors create an investment portfolio, they consider several factors, like risk, asset class, inflation, etc., However, what is equally critical when it comes to creating a portfolio is asset allocation and selection. 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

APRIL 29, 2024

Quick disclaimer that I am test driving ISPY in one of my accounts for possible use for clients. Metz talked a little about using options to help derisk a portfolio as someone approaches or moves into retirement or the decumulation phase. The examples I used for this point are over simplified versus real world portfolio construction.

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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 72

Investing Caffeine

JULY 5, 2023

Unfortunately for those following this overly simplistic guidance of not opposing the Fed, investor portfolio balances have been harmed dramatically during 2023 by missing a large bull market run. The pace of interest rate increases since early 2022 has increased at the fastest rate in over four decades (see chart below).

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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. In 2022, Portfolio 1 actually lagged VBAIX by a few basis points.

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Portfolio Asset Allocation Assets Management 80

Random Roger's Retirement Planning

NOVEMBER 27, 2023

Portfolio replication is a tricky thing that frequently doesn't work. We look at a lot of different ideas here, whether we are talking about replication or not, not to simply copy what someone else is doing but to see if some random strategy might have some piece of process or an idea to incorporate in a way that adds value to our portfolio.

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Portfolio Retail Asset Allocation Management 68

Talon Wealth

OCTOBER 26, 2023

That’s why you must actively understand how each investment plays into your portfolio. 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. Consider early retirement tax planning. Take advantage of retirement calculators.

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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

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

Trade Brains

DECEMBER 7, 2023

The course covers an introduction to personal finance, credit cards, life insurance, health insurance, investment instruments, loans, income tax and planning, budgeting and building a strong portfolio. Also, you will learn how to plan your taxes, credit score importance and how to budget your income to create a portfolio.

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Budgeting Certification Education Asset Allocation 59

WiserAdvisor

DECEMBER 13, 2023

The best retirement advice isn’t just about saving money; it’s about creating a diversified portfolio that’s robust enough to weather economic shifts. Adapt your approach Late starters should consider a strategic shift in their asset allocation.

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Retirement Risk Tolerance Retirement Planning Taxes 45

Truemind Capital

JANUARY 16, 2024

They like to talk about Bajaj Finance and not Yes Bank in their portfolio. Most of the time, even the winners account for very low weight in the overall assets, resulting in miniscule contribution to the portfolio returns. One can consider debt portfolios with floating rate instruments for long-term allocation.

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Financial Market Marketing Marketing Asset Allocation 52

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. Generally, less than 10% of the portfolio was effected. Sessions were segmented by size to ensure relevant insights and idea sharing.

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Discipline Funds

DECEMBER 28, 2022

Understanding Modern Portfolio Construction Understanding the Modern Monetary System Everything you need to know about finance and investing in less than an hour How The Economic Machine Works in 30 Minutes Section 1 – Understanding Money & the Macroeconomy What Is Money?

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Investing Investments Asset Allocation Risk Management 52

Nationwide Financial

MARCH 24, 2023

One popular option for college savings is a 529 plan , a tax-advantaged investment account designed specifically for education savings which can be used for qualified education expenses. Coverdell Education Savings Accounts and UGMA accounts are options for college savings accounts as well.

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Risk Tolerance Marketing Marketing Education 52

Walkner Condon Financial Advisors

MARCH 15, 2023

The concept isn’t particularly new – there have been separately managed accounts (SMAs) available for years that have employed similar strategies around index replication. These weightings change over time, so the portfolio weights for each security would also have to be shifted.

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Taxes Financial Advisor Asset Allocation Portfolio 52

Random Roger's Retirement Planning

OCTOBER 19, 2023

Here's the latest about Harvard from Bloomberg that included this chart of the asset allocation. It's not that someone could not copy the asset class exposure, just that the return streams would not look the same and often, various forms of sophistication replication does not really work in fund form. Black is 2023.

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Asset Allocation Portfolio Assets Taxes 55

Discipline Funds

JULY 25, 2023

I specifically refer to people’s “investment” portfolios as their “savings” portfolios because the financial markets are not where we make real investments. 1 The financial markets are where we allocate our savings. 1 – See “The Total Portfolio” perspective.

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