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. Here is a list of some of the current best HYSA’s as of December 2023. Consider whether you should increase the target goal for your emergency fund.

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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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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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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. Debt Market Insights : The debt yields for the shorter duration came down a bit owing to expectations of relaxed monetary conditions with a better-than-expected decline in inflation numbers.

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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% 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. to the 3.1%. How does 5.6%

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Discipline Funds

JULY 25, 2023

The global financial markets are roughly 50% stocks and 50% bonds which means that the average annual real return for the Global Financial Asset Portfolio is about 4% per year before taxes and fees. 3) Establish a time based allocation. 4) Don’t chase the panic and euphoria.

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Nationwide Financial

MARCH 27, 2023

Fund managers remain historically conservative per Bank of America’s Global Fund Manager Survey showing asset allocators long cash and short equities. Cash levels rose in March at the fastest pace since last September and remain above average and allocation to equities remains significantly lower than in history.

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Random Roger's Retirement Planning

APRIL 10, 2024

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. Number 2 on Barry's list is that market timing is hard.

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Portfolio Asset Allocation Retirement Taxes 71

A Wealth of Common Sense

MAY 9, 2023

stocks winning hands down over our foreign counterparts: Many investors look at these numbers and wonder: What’s the point of owning international stocks i. The performance over the past decade and change shows U.S.

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A Wealth of Common Sense

MAY 25, 2023

A reader asks: Ben showed the numbers for U.S. stock positive returns over the long-term. How does the data look for global ex-U.S. performance? Fair question. Here is the data I showed in a recent blog post: Since 1926, the U.S.

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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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WiserAdvisor

DECEMBER 15, 2023

These professionals also go beyond the numbers and charts and educate you about investing. Market conditions shift, the values of your investments fluctuate, and your portfolio’s asset allocation may deviate from its original balance. A financial advisor can actively monitor your investments.

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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." A far more normal asset allocation, going through what has been one of the worst first six months of a year ever came out noticeably ahead.as of now anyway.

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Validea

OCTOBER 25, 2023

Source: [link] In the table below you will see each of the sector ETFs, the Validea Factor Category (more on this below), the assets in the ETF, the number of holdings and then the top two positions.

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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.

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Truemind Capital

JANUARY 16, 2024

We maintain our underweight position to equity (check the 3rd page for asset allocation) due to an unfavorable risk-reward ratio. We continue to hold positions in large-cap value stocks and maintain no allocation to mid & small-cap funds. You can write to us at connect@truemindcapital.com or call us at 9999505324.

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Random Roger's Retirement Planning

MARCH 29, 2024

The first idea for sequence of return risk, yes, the numbers will pretty much work out as far as replicating 100% with 95% invested as described. If you've ever studied top down portfolio construction you've probably read that getting asset allocation decisions correct accounts for about 70% of the return achieved.

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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. Over the years, we've made some fun of CalPERS for seeming to change their asset allocation strategy every couple of years such that they end up chasing heat, that is chasing the thing that worked last year. Follow @mangan150 on Twitter.

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Random Roger's Retirement Planning

JULY 8, 2023

That is not guessing what markets will do, that is just managing asset allocation and cash needs. The Permanent Portfolio equal weights equities, long bonds, cash and gold with the theory that no matter what, at least one of those four will be doing well. Remember, the peak in the S&P 500 in October, 2007 was 1565.

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WiserAdvisor

SEPTEMBER 8, 2022

Investing your money involves a number of strategies and instruments. However, your asset allocation can fluctuate over time, depending on how your investments fare. For instance, consider a scenario where your original asset allocation was 60% in stocks and 30% in debt, and 10% in cash.

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WiserAdvisor

SEPTEMBER 6, 2023

This article will discuss the optimal number of times you should check your average retirement account balance and what you can do to avoid unnecessary stress. Checking your retirement account balance early on is essential to confirm that your asset allocation matches your risk tolerance and long-term goals.

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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. Rising number of cases in Europe has been affecting the economic recovery. Every investor has a unique asset allocation plan based on their risk profile, investment horizon and liquidity requirements.

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ClearMoney

FEBRUARY 22, 2022

The report examined the results of two types of funds7, each holding a mix of stocks and bonds: Balanced: Minimal change in allocation to stocks. Tactical Asset Allocation: Periodic shifts in allocation to stocks. Arnott, “Tactical Asset Allocation: Don’t Try This at Home,” Morningstar, September 20, 2021.

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Random Roger's Retirement Planning

APRIL 9, 2023

Any retirement plan runs the risk of coming up short for any number of reasons. On the behavioral front we should also include training yourself not to panic sell if there is a large decline.

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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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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

Maximizing Your Money: Steps To Take Time to crunch some numbers. Even if you don’t know your exact “number” for retiring comfortably, there are a few things you can do to get the ball rolling in the right direction. You can choose to change or reinvent your career in any number of ways over the course of your life.

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Validea

SEPTEMBER 29, 2022

The downturn in stocks and other assets reflect a number of concerning things. Multi-Asset Portfolios. By Justin Carbonneau ( @jjcarbonneau ) —. Stocks are down. Bonds are down. Gold is down. There’s no sugarcoating it — 2022 hasn’t been kind to investors. Investors aren’t limited to only stocks or bonds either.

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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. For starters, yes indeed the definition of a bear market is when we’ve drawn down -20% from a fresh market high. So how should you approach a bear market?

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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. A portfolio rebalance is simply the act of returning to your pre-determined asset allocation. These numbers assume perfect execution, no transaction costs, and no taxes.

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Random Roger's Retirement Planning

DECEMBER 4, 2023

Maybe it's a health issue or something bad happens at work but either way, the latest numbers are something like people plan to retire at an average age of 67 but end up retiring at 62. What would you do if your money had to start producing an income five years earlier than you were expecting?

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The Irrelevant Investor

JANUARY 4, 2016

While it may be interesting to look back at what opening days like this have historically meant for the rest of the year, the reality is these numbers have absolutely no bearing on what will actually happen. What the optimal asset allocation will be over the next twelve months. What is priced in to the market.

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Random Roger's Retirement Planning

NOVEMBER 21, 2023

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. Asset allocation matters. They talked about how outsourcing model construction can save advisors a lot of time. That is probably true.

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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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Random Roger's Retirement Planning

AUGUST 18, 2022

That's the number you need to cover. 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.

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International College of Financial Planning

MAY 29, 2023

Wealth managers collaborate with their clients to develop customized strategies for asset allocation, tax planning, estate planning, and risk management. The scope of wealth management goes beyond traditional financial planning and investment advisory services, encompassing a more holistic approach to personal finance.

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WiserAdvisor

DECEMBER 29, 2022

While there are a number of investment and personal finance formulas out there that can help you, it is recommended to start with the basics. A positive number reflects a healthy cash flow. The rule of 72 essentially calculates the number of years required to double the principal invested capital at a given rate of return per annum.

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