Random Roger's Retirement Planning

AUGUST 18, 2022

I've talked about my asset allocation before being overwhelmingly in cash or cash proxies, about 25% in "normal" equity investments, my exposure to crypto these days might be 2-3% up from 1/2 of a percent from when I bought Bitcoin in late 2018 but down from 6-7% when Bitcoin was higher. It was a fun fire, up a crazy steep hill.

Retirement Planning 92

Retirement Planning Retirement Planning Asset Allocation 92

Discipline Funds

DECEMBER 28, 2022

Section 3 – Understanding Proper Portfolio Construction Understanding the Total Portfolio Approach Understanding Countercyclical Indexing Why Indexing is the Future of Investing The Myth of Passive Investing The Alpha Paradox What is Behavioral Alpha?

Investing 52

Investing Investments Asset Allocation Portfolio 52

Harness Wealth

MAY 31, 2022

Meet Mary — she’s an Engineer Manager at a Series D technology company. Now with a holistic view of her finances, Mary can better understand her overall asset allocation and get answers to important questions like…. More than a spreadsheet. Let’s use an illustrative client example so see how that value comes to life.

Startup 52

Startup Asset Allocation Taxes Accounting 52

Dear Mr. Market

AUGUST 27, 2023

3) China (2nd largest economic engine of the world) is struggling and so is Europe. (4) 2) We have an inverted yield curve. Never in history has an inverted yield curve of this size not led to a recession. (3) 4) The Fed has stubbornly pushed the stock market towards a possible crash.

Economics 98

Economics Assets Government Marketing 98

Zoe Financial

JANUARY 17, 2024

The second headline was Edelman Financial engines closed down their tax prep services (separate/different from their tax planning services). But they did close tax prep. And this is just a reality, which is tax implementation is time-consuming and it’s often offered because clients want more for that 1%. ” That’s to be seen.

Wealth Management 52

Wealth Management Management Taxes Asset Allocation 52

Discipline Funds

JUNE 4, 2025

But I feel like it’s already accelerating, at least for me personally… I’ve always been somewhat tech savvy, but I’ve never been close to a software engineer. That is, you start with the financial plan and liability assessment and then you fill in the asset management blanks after the fact.

Asset Allocation 52

Asset Allocation Financial Planning Assets Retail 52

The Big Picture

FEBRUARY 6, 2024

That led me down that track and really well, I had a software engineering job. Let, 00:04:08 [Speaker Changed] Let’s lead up to that transition software engineer at IBM, then you get your PhD, then research at Siemens, which seems to be more of a technological position than a finance position. We, we call asset allocation at GMO.

Valuation 130

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Brown Advisory

SEPTEMBER 1, 2015

Consumer spending accounts for about 70% of economic activity, so any weakness drags down growth, employment, wage gains and stock prices—the biggest engines of prosperity. By Taylor Graff, CFA, Asset Allocation Analyst. During the year through July, retail sales increased only 2.4% Dream or Opportunity?

Food 52

Food Portfolio Management Sales Retail 52

The Big Picture

SEPTEMBER 12, 2022

Everyone wants to — which is so intuitive now, but we became a lot more tactical with some of our allocations. Of course, we have strategic asset allocations, strategic portfolios. BITTERLY MICHELL: It’s an engineering feat. My Audio Engineer is Justin Miller. RITHOLTZ: Oh, really? I have two boys, so ….

Clients 299

Clients Wealth Management Banking Investing 299

The Big Picture

SEPTEMBER 19, 2023

It depends on your asset allocation. I also don’t think you should ever really beat yourself up for sticking to your asset allocation and your beliefs. And they took it out of their asset allocation in favor of other strategies. Sam Danziger is my audio engineer. 00:26:07 [Speaker Changed] No.

Assets 147

Assets Management Portfolio Investing 147

The Big Picture

MARCH 7, 2023

So for someone like me, who started my career in academia and spent my research years thinking about portfolio construction, asset allocation, macro, asset pricing, and then I went into the hedge fund industry. Sarah Livesey is my audio engineer. Follow all of the Bloomberg family of podcasts @podcast on Twitter.

Assets 173

Assets Management Marketing Marketing 173

The Big Picture

JUNE 6, 2023

Once you have your asset allocation dialed in, your automatic contributions dialed in, all the basics, then you can move on. Have I managed my asset allocation and my investment fees? Samantha Danziger is my audio engineer. And they do that for 35 years tweaking numbers I go you won, you won the game.

Accounting 130

Accounting Numbers Budgeting Financial Counseling 130

Brown Advisory

APRIL 1, 2015

stocks more than doubled, but other asset classes (with the notable exception of commodities) have provided excellent returns as well. Not only have U.S. So, it may be a good time to revisit the bubbles theme. Possible Signs. Moreover, if correlations are indeed declining, the volatility of returns will be reduced.

Investments 52

Investments Investing Valuation Assets 52

The Big Picture

NOVEMBER 14, 2023

The multi-asset platform manages things like offerings that give you inflation, hedging against inflation. So we use publicly traded real assets and commodities. We also do asset allocation and overlays. Sarah Livesey is my audio engineer. We do defensive equity strategies. Atika Val Brown is my project manager.

Math 130

Math Management Insurance Assets 130

The Big Picture

MAY 9, 2023

And my dad had always said, as many young kids get this advice, doctor, lawyer, accountant, engineer. So what we find, and then of course we have a multi-asset solutions business where we talk to clients about the entirety of their portfolio, their strategic asset allocation models. RITHOLTZ: Sure. SALISBURY: Yes.

Assets 299

Assets Clients Investing Investments 299

Discipline Funds

AUGUST 2, 2024

And that’s the ultimate measure of the Fed’s success – are they able to normalize interest rates or do they end up having to shift interest rates because they flew too low for too long and now they have to try to enact an emergency engine thrust to avoid an economic stall?

Financial Planning 116

Financial Planning Assets Economy Asset Allocation 116

The Big Picture

MARCH 5, 2024

So they’d give individual asset allocation to people and they’d go invest their money. So it has a lot of parallels to the way we think about asset allocation at Magnetar. Sarah Livesey is my audio engineer. And first was, we’re gonna have a culture of collaboration. Our final two questions.

Banking 147

Banking Portfolio Assets Investing 147

Dear Mr. Market

MARCH 11, 2023

MSFT’s search engine Bing just reached 100 million daily active users after its ChatGPT adoption. The real winners are the ones who are able to pick enough stocks in the right areas and maintain the proper asset allocation relative to their investment goals.

Investing 105

Investing Investments Portfolio Assets 105

The Big Picture

NOVEMBER 8, 2022

Jeremy called and said, “Would you like to join the asset allocation team?” So he wanted a sort of non-quanty view input into the asset allocation process. And GMO was still sitting on a massive emerging market position in the asset allocation team. Sarah Livesey is my audio engineer. CHANCELLOR: Yes.

Banking 147

Banking Valuation Economy Investing 147

The Big Picture

AUGUST 29, 2023

DAVIS: It’s a long story, but originally I went to school for engineering. Got to school, realized that I wasn’t very good at mechanical drawing, which is a big part of aerospace engineering curriculum. Justin Milner is my audio engineer. Undergraduate, you get a BS in insurance from Penn State.

Portfolio 130

Portfolio Investing Investments Numbers 130

The Big Picture

JANUARY 21, 2025

And you, you don’t need to fine tune your portfolio every month, just, you know, set up a sensible asset allocation, buy some index funds, save regularly, and good things will happen. My audio engineer is John Wasserman. You don’t need to analyze every month spending in quicker. I’m Barry Ritholtz.

Investing 147

Investing Investments Management Retirement 147

The Big Picture

AUGUST 20, 2024

It also was the path for me into the asset management space, because coincidentally, Mitch Juli of Canyon Partners was researching on the internet in the early days of the internet for valuation engines and insights. Sarah Livesey is my audio engineer. Otherwise, why not just buy passive? Why not go with a low cost solution?

Assets 173

Assets Management Portfolio Marketing 173

The Big Picture

APRIL 4, 2023

Justin Milner is my audio engineer. I found this conversation really to be absolutely a master class and totally fascinating, and I think you will as well. Follow all of the Bloomberg podcasts on Twitter @podcast. I would be remiss if I did not thank the crack team that helps put these conversations together each week.

Banking 147

Banking Management Investing Investments 147

The Big Picture

DECEMBER 20, 2022

KOENIGSBERGER: What I really like is on top of these four return streams that we have, we kind of have a multi-asset, dynamic asset allocation process. KOENIGSBERGER: So that’s what — with our multi-asset strategy, we wanted to solve for that problem, which is — I call it a governance problem.

Banking 162

Banking Assets Government Marketing 162

The Big Picture

JULY 11, 2023

It’s actually great and especially because you can do some basic kind of asset allocation models, so the robo-advisor… RITHOLTZ: Right. And so, you take Advisor Engine, it has a CRM system that was built by a financial advisor. That’s not a terrible thing. JOHNSON: No, it’s not a terrible thing.

Management 222

Management Investing Investments Assets 222

The Big Picture

JUNE 13, 2023

RITHOLTZ: (LAUGHTER) CHABRAN: And find a reason why they would allocate there. So I think we’ve now entered a period where we have to swallow this whole mispriced, over-levered assets out there. So I’m actually very optimistic that all asset owners, asset allocators, the one can be nimble.

Banking 147

Banking Assets Investing Investments 147

The Big Picture

APRIL 8, 2025

She was CIO at Merrill Lynch Asset Management, and now CIO at both Morgan Stanley Wealth Management and runs their asset allocation models and their outsourced chief investment officer models. 00:20:56 [Speaker Changed] So, so let’s talk a little bit about what goes into managing a hundred plus billion dollars in assets.

Asset Allocation 147

Asset Allocation Wealth Management Clients Assets 147

The Big Picture

MARCH 12, 2024

They’re asset allocation model driven folks. Kayleigh Lepar is my audio engineer. Is that 00:21:39 [Speaker Changed] Patient cap do, do they have the bandwidth to, Hey, we’re, we’re in this for decades at 00:21:44 [Speaker Changed] Time? Yeah, it’s super patient, it’s super sophisticated.

Banking 147

Banking Marketing Marketing Investing 147

The Big Picture

APRIL 7, 2025

Institutional Investor ) I Quit Google Search for AIand Im Not Going Back : Ads and search-optimized junk made a mess of the go-to engine. Fidelity and GSAM are among the managers using an emerging approach to active that could be as disruptive as BlackRocks deal for iShares. Bright headlights can make it easier for drivers to see the road.

Budgeting 208

Budgeting Asset Allocation Wealth Management Engineering 208

The Big Picture

MAY 21, 2024

00:01:58 [Savita Subramanian] Well, I started out as an electrical engineering computer science major. 00:03:00 [Speaker Changed] I read a quote from you way back when you said your parents were pushing you to be either an engineer or a doctor. My dad was an engineer and my mom was a software person, so Oh, really?

Numbers 147

Numbers Banking Management Marketing 147

The Big Picture

MARCH 26, 2024

He wasn’t tactical asset allocator. It’s about long-term planning and strategic asset allocation and, and just understanding how markets work and how behavior comes into the mix. It’s money that represents the cash needs or the, the, the liquidity side of, of asset allocation.

Marketing 147

Marketing Marketing Investing Investments 147

The Big Picture

JANUARY 27, 2025

The parent company handles all the asset liability management side of things. They give us asset allocations, we go ahead and and and and invest those dollars. 00:32:17 But it’s, it is, it creates a, an interesting opportunity in different asset classes to refine excess returns. John Wasserman is my audio engineer.

Assets 147

Assets Insurance Investing Investments 147

The Big Picture

MARCH 14, 2023

He launched his own firm right into the teeth of the collapse in ’09, which turned out to be quite a fortuitous time to launch an asset management shop. My audio engineers were Justin Milner and Robert Bragg. He is a macro top-down guy with a strong quantitative background. Follow me on Twitter @ritholtz. Paris Wald is my producer.

Economy 162

Economy Investments Investing Portfolio 162

The Big Picture

NOVEMBER 25, 2024

And I taught myself to program when I was 12 and all throughout late middle school and high school, I was programming games for my Game boy and developing game engines for the computer. But man, firing 80% of the engineers and leaving a a, you know, a, a smoking hulk behind. Corey Hoffstein : I did. It’s a bit of a mouthful.

Portfolio 147

Portfolio Management Marketing Marketing 147

The Big Picture

JUNE 20, 2023

Or should this be kept out of private asset allocators’ hands? Sara Livezey is my audio engineer. I always think of ER and those sorts of emergency services as a service, as a community good, not a for-profit model, am I naïve in not realizing we could monetize emergencies? Atika Valbrun is my project manager.

Insurance 147

Insurance Retail Healthcare Medicine 147

The Big Picture

JUNE 3, 2024

Undergraduate applied mathematics, master’s degree in financial engineering, a little bit of, of teaching. So how Barry Ritholtz : Do you go from a PhD program to financial engineering masters? They ended up going back to a school in LA called Claremont, and they had a financial engineering program there.

Math 147

Math Marketing Marketing Engineering 147

The Big Picture

JANUARY 31, 2023

DUTTA: Well, to me, the ISM is the one that I harp on the most because there’s a cottage industry of people that just drive their entire asset allocation process off of it. Justin Milner is my audio engineer. And so it — RITHOLTZ: What else are nonsensical indicators? RITHOLTZ: Really? That’s shocking.

Economics 147

Economics Economy Marketing Marketing 147