Discipline Funds

AUGUST 16, 2024

When it comes to asset allocation the old rule of thumb is roughly “your age in bonds” The basic thinking is that you should get more conservative as you get older. You’re either going to pass away soon OR the assets will become someone else’s. Asset allocation should be mostly boring.

Asset Allocation 120

Asset Allocation Financial Planning Assets Retirement 120

Random Roger's Retirement Planning

NOVEMBER 21, 2023

First up was a webinar about model portfolios at ETF.com. Outsourcing the work related to actually being an advisor would not feel right to me and I enjoy what I get to do including portfolio construction. I think that when investors hear about model portfolios they sort of think in terms of set and forget.

Portfolio 75

Portfolio Asset Allocation Math Management 75

Truemind Capital

OCTOBER 18, 2024

Here is what’s happening currently- Stock markets are rising Bond Prices are increasing / Bond Yields are falling Gold is trending upwards Real Estate Prices are inching upwards ALL KEY ASSET PRICES ARE GOING NORTHWARDS! We maintain our underweight position to equity (check the asset allocation section) on the back of pricey markets.

Financial Market 52

Financial Market Asset Allocation Marketing Marketing 52

The Big Picture

SEPTEMBER 19, 2023

The transcript from this week’s, MiB: Elizabeth Burton, Goldman Sachs Asset Management , is below. Elizabeth Burton is Goldman Sachs asset management’s client investment strategist. Her job is portfolio and product solutions and that means she could go anywhere in the world and do anything. Elizabeth Burton : Hi Barry.

Assets 144

Assets Management Portfolio Investments 144

WiserAdvisor

SEPTEMBER 8, 2022

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 the case of an investment portfolio, risk refers to the likelihood of your combination of assets and investments not meeting your financial goals.

Risk Management 52

Risk Management Portfolio Management Asset Allocation 52

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.

Asset Allocation 96

Asset Allocation Portfolio Assets Management 96

Carson Wealth

MARCH 7, 2024

Let’s look at a few of the starting points today for a healthy retirement savings portfolio. Set Up Another Retirement Account Individual Retirement Accounts (IRAs) may offer tax advantaged savings as well. Contributions are taxed on the way in with these accounts. A Roth IRA offers tax free withdrawals on taxable contributions.

Retirement Planning 143

Retirement Planning Retirement Planning Risk Tolerance 143

Random Roger's Retirement Planning

OCTOBER 11, 2024

Crittenden manages the Standpoint Multi-Asset Fund (BLNDX/REMIX) which I've owned personally and for clients pretty much since the fund listed. He articulated the asset mix of his optimal portfolio in a way that I hadn't heard him discuss before. There were some great points made to share and explore.

Asset Allocation 52

Asset Allocation Portfolio Assets Taxes 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.

Asset Allocation 52

Asset Allocation Investments Investing Portfolio Management 52

A Wealth of Common Sense

SEPTEMBER 26, 2024

The Roth Man himself, Bill Sweet, joined me on the show this week to discuss questions about taxes in marriage, retirement withdrawal strategies, the tax implications of selling farmland and how to manage tax rates in early retirement.

Retirement 120

Retirement Planning Portfolio Management Taxes 120

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. The set-it-and-forget-it nature of a workplace retirement plan is one of my favorite features.

Portfolio Management 128

Portfolio Management Retirement Planning Portfolio Management 128

Random Roger's Retirement Planning

OCTOBER 7, 2024

GMO posted a short paper in support of its Benchmark Free Asset Allocation Strategy (BFAAS). For this post we'll focus on BFAAS' asset allocation. The asset mix is 53.6% A more detailed look at the asset mix shows the the following. No portfolio can always be best. to equities, 29.7% in fixed income.

Asset Allocation 52

Asset Allocation Valuation Portfolio Assets 52

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.

Financial Advisor 59

Financial Advisor Retirement Asset Allocation Risk Tolerance 59

Random Roger's Retirement Planning

APRIL 10, 2024

I also quipped that people forced to work in "retirement" should not be penalized having to pay more income tax on their Social Security payout. When the age cohort hits 100, the assets are divided among the holders still alive. If you have a combined $40,000 benefit, that's like having another $1 million in your portfolio.

Portfolio 75

Portfolio Retirement Asset Allocation Taxes 75

Truemind Capital

SEPTEMBER 30, 2024

Indeed, a common and relevant question when building an investment portfolio. FDs may not even help in wealth preservation if you fall into a higher tax bracket (20% & above). FDs may not even help in wealth preservation if you fall into a higher tax bracket (20% & above). 2 : FDs were done at very low rates.

Asset Allocation 52

Asset Allocation Education Assets Clients 52

Random Roger's Retirement Planning

JULY 15, 2024

Usually a replication strategy will build a portfolio based on reported hedge fund holdings filed on a 13f or in the case of managed futures will sample maybe the ten biggest futures markets believing they can get 90% (or some high number) of the full effect, do it for cheaper such that the cost advantage ends up being the difference in performance.

Asset Allocation 52

Asset Allocation Portfolio Assets Management 52

Investing Caffeine

MARCH 1, 2024

It took the Nikkei over 34 years to surpass its previous record peak, which was last achieved in 1989 when Japan experienced a massive bursting of an asset bubble. Tax Time April is fast approaching, which means it’s that time of the year when Uncle Sam will come knocking on your door with your tax bill. www.Sidoxia.com Wade W.

Taxes 52

Taxes Risk Tolerance Retirement Investments 52

Truemind Capital

JANUARY 24, 2024

Hybrid mutual funds have industry-wide assets under management (AUM) of INR 4.70 In conservative HF, equity allocation is between 20-40% whereas, in an aggressive HF, equity allocation is between 65-85% and the rest is in debt. Investing in an HF doesn’t give you the option to redeem from the asset class of your choice.

Asset Allocation 52

Asset Allocation Fee Only Assets Taxes 52

Discipline Funds

AUGUST 2, 2024

What Does it Mean for Your Portfolio? As you might know, I am a big fan of asset/liability matching strategies and what I call Defined Duration investing. This creates a super robust and diversified portfolio that communicates, with greater certainty, how your portfolio matches your financial needs.

Financial Planning 107

Financial Planning Assets Asset Allocation Economy 107

Truemind Capital

JULY 19, 2024

Excessive valuations do not become a reason in itself for market correction but they can cause a severe damage to the portfolio on any unexpected negative event which usually ends the bull markets, every time! With respect to market cap, value large cap portfolios are less expensive as they are closer to their historical average.

Financial Market 52

Financial Market Asset Allocation Marketing Marketing 52

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. By helping you lower your tax The impact of proper tax planning on your eventual retirement balance cannot be overstated. Diversification can help you secure a steady income stream during retirement.

Financial Advisor 59

Financial Advisor Retirement Risk Tolerance Retirement Planning 59

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. . Each year we update these projections based on current information such as changes in income, assets, inflation, etc. .

Retirement 52

Retirement Portfolio Retirement Planning Investments 52

Random Roger's Retirement Planning

DECEMBER 30, 2023

If all you use is a broad index fund then it will either be a good year or not so good, but assuming the proper asset allocation, who cares? That's enough to get it done assuming an adequate savings rate, appropriate asset allocation and no panicking.

Asset Allocation 74

Asset Allocation Assets Taxes Investments 74

Random Roger's Retirement Planning

OCTOBER 3, 2024

Over the last few days I've fished around looking at multi-asset ETFs that I perceive are intended to be either one fund, portfolio solutions or the major core holding with a little room left for maybe alternatives or thematic exposures or whatever. By my count it has not quite 60% in equities, 21.5% in cash, almost 6.5%

Asset Allocation 52

Asset Allocation Portfolio Assets Taxes 52

International College of Financial Planning

JULY 31, 2023

The value of their expertise lies in their ability to analyze market trends, assess risk, and create diversified portfolios that align with individual objectives. Their knowledge extends to various investment products, risk management, tax implications, and financial planning.

Investment Advisor 52

Investment Advisor Investments Investing Risk Tolerance 52

Random Roger's Retirement Planning

AUGUST 26, 2024

Here's the target asset allocation. I worked in SSO and UBT to be able to leverage up to the right asset allocation. Interestingly, the replication was down 16.66, almost identical to Vanguard Balanced Index (VBAIX) which is a proxy for a 60/40 portfolio despite looking very different from 60/40.

Asset Allocation 52

Asset Allocation Assets Taxes Portfolio 52

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.

Asset Allocation 52

Asset Allocation Assets Portfolio Risk Tolerance 52

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. You stay rich by allocating your saved income prudently.

Asset Allocation 52

Asset Allocation Marketing Marketing Financial Market 52

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.

Portfolio 97

Portfolio Asset Allocation Assets Management 97

Random Roger's Retirement Planning

MAY 10, 2024

For all the blog posts about about how to build alternatives into a portfolio, the idea from my perspective is how to compliment the equity allocation in a manner that is more effective than traditional fixed income exposure which hopefully leads to a better long term, risk adjusted returns. So far, it hasn't done that.

Asset Allocation 96

Asset Allocation Financial Planning Portfolio Planning 96

Random Roger's Retirement Planning

MAY 24, 2024

Barron's had an interesting article about a BofA study showing that over a period of many decades an asset allocation of 60% equities/40% commodities outperformed an allocation of 60% equities/40% fixed income by 0.80% per year. The standard deviation was 3.5%

Asset Allocation 98

Asset Allocation Risk Management Taxes Portfolio 98

Darrow Wealth Management

JANUARY 30, 2023

Here are some tax planning strategies to consider when you should start drawing from your IRA. Tax planning strategies for required minimum distributions Tax planning shouldn’t stop when you retire. Retirees in a low tax bracket for the year have several planning options to consider.

Distribution 88

Distribution Tax Planning Retirement Taxes 88

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.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Random Roger's Retirement Planning

AUGUST 12, 2024

Since we cannot know the path, this really spotlights a couple of important portfolio management concepts. The first is to build a portfolio that you have a reasonable basis to believe can get you to where you need to be can stick with emotionally and maintain an asset allocation that allows you to manage sequence of return risks.

Asset Allocation 52

Asset Allocation Portfolio Portfolio Management Assets 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.

Asset Allocation 73

Asset Allocation Portfolio Assets Taxes 73

Random Roger's Retirement Planning

JULY 11, 2024

I'm not too interested in the story but toward the end of the article there was a breakdown of the asset allocation as of the end of Q1 and I am fascinated. The allocation at the end of Q1 was 57% crypto, 21% in multi-strategy (presumably hedge funds), 7% in equities and 15% in structured credit.

Asset Allocation 52

Asset Allocation Portfolio Assets Retail 52

MainStreet Financial Planning

DECEMBER 20, 2023

Over the course of the year the market moves up and down and that can throw off your portfolio allocation and the end of the year is a great time to do a rebalance where you evaluate whether you need to make any changes to get your portfolio aligned with the target asset allocation.

Risk Tolerance 85

Risk Tolerance Budgeting Asset Allocation Portfolio 85