Random Roger's Retirement Planning

NOVEMBER 21, 2023

First up was a webinar about model portfolios at ETF.com. The way my new firm is set up, I could outsource everything, for a fee, and the way this was positioned, I think there might be a decent number of advisors who do just that. I think that when investors hear about model portfolios they sort of think in terms of set and forget.

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WiserAdvisor

SEPTEMBER 8, 2022

Investing your money involves a number of strategies and instruments. 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 fact, it can be good for your portfolio.

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Random Roger's Retirement Planning

APRIL 10, 2024

When the age cohort hits 100, the assets are divided among the holders still alive. There is of course the unpleasant reality that some number of people buying in will die right after the cutoff to sell getting nothing or almost nothing out of it and surrendering their investment. The relevance ties into asset allocation.

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Nerd's Eye View

MARCH 8, 2024

Read More.

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MainStreet Financial Planning

DECEMBER 20, 2023

Factors to consider would include – job changes, a change in the number of dependents, or a change in the number of breadwinners. If you are unsure if your portfolio aligns with your risk tolerance, time horizon and goals, reach out to us at Mainstreet and we would be happy to help!

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WiserAdvisor

FEBRUARY 29, 2024

While these numbers may seem abstract at first glance, they highlight a critical point. 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.

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Truemind Capital

AUGUST 12, 2023

We continue to stay under-allocated to equity (check the 3rd page for asset allocation) at the current valuation levels. At this stage, we strongly recommend minimizing exposure to small & mid-cap portfolios on the back of excessive valuations driven by the retail craze.

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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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Random Roger's Retirement Planning

JULY 3, 2022

Certainly there are plenty of places in traditional fixed income to hide out while the most volatile parts of the asset class continues to work through whatever it is working through. I think it is important to manage portfolio volatility to reduce the odds of panicking and reduce the odds that client income needs are disrupted.

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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. The primary asset classes include: a.

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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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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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WiserAdvisor

DECEMBER 15, 2023

It also ensures that your portfolio caters to your risk appetite, irrespective of whether you are risk-averse or risk-tolerant. These professionals also go beyond the numbers and charts and educate you about investing. By rebalancing your portfolio Portfolio rebalancing helps you manage risk and optimize returns.

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Random Roger's Retirement Planning

APRIL 29, 2024

To capture the ISPY dividends for a more accurate total return number, we'd need to add in about 2.5% Metz talked a little about using options to help derisk a portfolio as someone approaches or moves into retirement or the decumulation phase. BTAL in Portfolio 1 is a client and personal holding. to the 3.1%. How does 5.6%

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Random Roger's Retirement Planning

JULY 8, 2023

Barron's had a fun article that looked at some ideas from William Bernstein titled The Trick To A Bullet Proof Portfolio? Based on the title, it would seem to be in the neighborhood of creating an all-weather portfolio which we've looked at in several different forms over the course of my full 19 years of blogging.

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Random Roger's Retirement Planning

JULY 9, 2022

When we talk about this I usually lead with some version of "set aside some number of months worth of cash to cover expected expenses to ride out the bear market." You could use diversifiers to lower your portfolio's beta (your portfolio's sensitivity to the ups and downs of the broad market). of now anyway.

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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. One fund dated 2035 might have 75% in equities while another might have 60% and maybe neither number is appropriate for you.

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Validea

SEPTEMBER 29, 2022

The downturn in stocks and other assets reflect a number of concerning things. Higher interest rates have made the affordability of homes and other assets much more costly. Multi-Asset Portfolios. By Justin Carbonneau ( @jjcarbonneau ) —. Stocks are down. Bonds are down. Gold is down.

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Random Roger's Retirement Planning

SEPTEMBER 25, 2023

In the last few years or so there has been plenty of content positing that 4% is no longer safe, that 3% should be the number or even 2.5%. Here's a table of failure rates of various asset allocations and withdrawal percentages from an article at Return Stacked Portfolio Solutions. So what should anyone do with this data?

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WiserAdvisor

SEPTEMBER 6, 2023

Consult with a professional financial advisor who can help create a balanced strategy toward retirement planning and portfolio reviewing, ensuring both financial stability and peace of mind on your journey toward retirement. Remember that rollovers and transfers can impact your overall portfolio allocation and tax implications.

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ClearMoney

FEBRUARY 22, 2022

Invariably, the question behind the question is, “Should I be doing something different in my portfolio?” If only we could find them, our portfolios would do so much better. How would her hypothetical portfolio have performed over the past 50 years following this simple annual readjustment strategy? Consider Felicity Foresight.

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Random Roger's Retirement Planning

SEPTEMBER 17, 2023

The number of benefits from and maladies staved off seems to be endless.endless. The biggest takeaway I had was to try to not be overly reliant on just two income sources, Social Security and your portfolio. I've written all sorts of posts about why I don't think a one or two fund portfolio is optimal even if that is probably valid.

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Truemind Capital

NOVEMBER 29, 2020

However, due to the finite supply of silver and gold, the spending was limited by the number of Denarii that could be minted. There is no price for guessing that gold as an asset class can protect against the risk created by the actions of our policy makers. Rising number of cases in Europe has been affecting the economic recovery.

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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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The Irrelevant Investor

MARCH 29, 2020

With the wild swings in the stock and bond market this year, it's likely that your asset allocation has gotten a bit out of whack. For example, a portfolio that started the year 60/40 (U.S. A portfolio rebalance is simply the act of returning to your pre-determined asset allocation. stock.bond) is now 54/46.

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Brown Advisory

MAY 31, 2017

EUROPEAN RE-ENTRY: Why We Are Shifting Portfolios Toward European Stocks achen Thu, 06/01/2017 - 02:47 Asset allocation—at least for us—is an exercise in nuance. We move slowly and carefully when it comes to shifting our portfolios away from one asset class or region and toward another.

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Brown Advisory

MAY 31, 2017

EUROPEAN RE-ENTRY: Why We Are Shifting Portfolios Toward European Stocks. Asset allocation—at least for us—is an exercise in nuance. We move slowly and carefully when it comes to shifting our portfolios away from one asset class or region and toward another. Thu, 06/01/2017 - 02:47.

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Dear Mr. Market

MAY 27, 2022

There have been a few times in recent history where we didn’t officially touch that magic number (2018 for example) but it was still an absolutely miserable environment. If your portfolio is down less than -18% this year… you’re beating the stock market. So how should you approach a bear market?

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Good Financial Cents

MAY 1, 2023

To open a Contributory IRA account, individuals will need to provide their personal information, including name, address, Social Security number, and employment information. Diversifying Your Contributory IRA Portfolio Diversification is an essential strategy for maximizing the returns of a Contributory IRA account while minimizing risks.

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Random Roger's Retirement Planning

NOVEMBER 11, 2022

A little less dramatic but more interesting is the idea we broached yesterday about extreme portfolio simplification becoming an appropriate asset allocation for an older retiree who is not cognitively impaired but wants to spend less time on their investments without hiring someone to help them.

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Clever Girl Finance

AUGUST 22, 2022

million households having at least one million in assets. There are a number of reasons why it’s a good idea to accumulate wealth. Having wealth allows you to build up your retirement and have the opportunity to purchase more assets. The type of insurance you will need will depend on what the asset is.

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eMoney Advisor

MARCH 21, 2023

When portfolio values fall, that loss can cause intense feelings that could lead to irrational decisions. Portfolio Rebalancing Depending on what has been going on in the market, you may have clients whose portfolio asset allocations are no longer in balance. People have strong reactions to any loss.

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Zoe Financial

APRIL 26, 2023

Likewise, when facing turbulent times, a portfolio should have some assets designed to protect it. We can’t control what happens in the market but we can adjust and anticipate what assets can safeguard your investments. In your portfolio, this strategy may come in the form of bonds that mature in the next few years.

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Investing Caffeine

MAY 3, 2023

Hope is Not a Strategy We have lived through an endless number of scary headlines in some shape or fashion throughout our lifetimes. Are you overly concentrated in one asset class, sector, or individual security? Risk Tolerance: What is your asset allocation? default on its debt? How will elections affect the economy?

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Gen Y Planning

OCTOBER 13, 2023

However, it does take some time to think strategically about your spending and to make adjustments to your portfolio to better support your new lifestyle. Maximizing Your Money: Steps To Take Time to crunch some numbers. Creating a diverse portfolio that balances risk prevention with long-term gains is critical.

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WiserAdvisor

APRIL 12, 2024

Determining the optimal number of clients for a financial advisor depends on various factors, including individual preferences, business models, and client demographics. There is compelling evidence suggesting that the cognitive capacities of humans may impose a natural limit on the number of client relationships one can effectively manage.

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WiserAdvisor

JANUARY 31, 2023

These strategies involve investing money in assets for a minimum of five years and more. The idea is to invest in assets that have the potential to grow in value over time, such as stocks, bonds, real estate, and mutual funds. It becomes a generational asset and can be passed on to your children and grandchildren.

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