Random Roger's Retirement Planning

NOVEMBER 28, 2024

The first example to look at they call Leverage In The Strategic Asset Allocation via this table in the paper. The paper introduces the idea of mixing momentum and value in some combo that they never quantified as a possible substitute for low volatility before digging in more deeply into different examples or cases.

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Random Roger's Retirement Planning

MAY 4, 2025

The more someone trades, the more they are fighting that natural inertia other than proper asset allocation targets and mitigating sequence of return risk when relevant. We talk frequently about the stock market's ergodicity, the natural inertia to go from the lower left to the upper right despite some bumps along the way.

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Random Roger's Retirement Planning

MARCH 20, 2025

The asset allocation was 10% to hedges, 30% to T-bills for asymmetry but that seems more like optionality to me, 9% to edges which included one broad stock picking ETF, a derivative income fund and a short volatility product. None of them were hideously wrong out of the blocks but it's too soon to declare victory with them.

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A Wealth of Common Sense

MAY 29, 2025

We also touched on questions from our audience about holding stocks in your emergency fund, the best way to pay for home renovations, how teachers should factor pensions into their retirement plans and some of my favorite fiction book series.

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Zoe Financial

MARCH 21, 2025

Their role extends beyond investment managementthey can help with: Retirement Planning : Structuring your assets to support your desired lifestyle. Estate Planning : Ensuring your wealth is passed on according to your wishes. Provide insights on asset allocation and risk management.

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Random Roger's Retirement Planning

MAY 1, 2025

Other than having the proper asset allocation and addressing sequence of return risk when relevant, I would not want to get too aggressive, like selling 95% of my stocks, trying to fight that inertia. What if it jumped 10%, he got back in and then it fell 30% and then traded sideways? The chart is the S&P 500 going back 40 years.

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Random Roger's Retirement Planning

DECEMBER 22, 2024

GAA stands for Global Asset Allocation and it has been lagging for 15 years. The TLDR is that the basic building blocks for how to build a diversified have lagged badly behind the S&P 500 for a long time causing frustration for some investors. Here's a great chart to illustrate the point. GAA consistently had smaller drawdowns.

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Random Roger's Retirement Planning

DECEMBER 23, 2024

This is a little bit of a follow up to yesterday where I mentioned the Global Asset Allocation as mentioned in a paper by Meb Faber. Today, Meb Tweeted out a reference to the Atlas Lifted report from Robeco which references a similar idea, the Global Market Portfolio which is allocated as follows.

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Random Roger's Retirement Planning

NOVEMBER 21, 2024

There's no fact sheet yet and while the holdings are available, the asset allocation is vague without calculating the spreadsheet yourself which I did (hopefully correctly). Offering diversified exposure to U.S. Treasuries, real estate, gold, and agricultural commodities."

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Random Roger's Retirement Planning

MARCH 21, 2025

One of the pre-market Bloomberg emails gave a positive mention to the Cambria Global Asset Allocation ETF (GAA) because it is up in what of course has been a tough tape for equities this year. It is an interesting asset allocation that targets 40% in equities, 40% in fixed income and 20% in alternatives.

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Random Roger's Retirement Planning

FEBRUARY 14, 2025

Right or wrong, I think of endowment style investing as being a similar to the Permanent Portfolio, not so much quadrants but more like disparate asset class segments which gets us to a paper about endowment asset allocation from True North Institute.

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WiserAdvisor

JUNE 11, 2025

An advisor can help you adjust your asset allocation within your 401(k). A personalized retirement plan can help account for inflation, market volatility, and your shorter time horizon. You must make room in your budget for these rising costs to keep your retirement planning on track.

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Random Roger's Retirement Planning

FEBRUARY 4, 2025

A crucial point of understanding for navigating any sort of adverse market event regardless of whether there is visibility for it or if it comes out of left field is to have the proper asset allocation for your circumstance. Then it really doesn't matter at all what the stock market does over the next little bit.

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Random Roger's Retirement Planning

JANUARY 22, 2025

The starting point today is the that Rational ReSolve Adaptive Asset Allocation Fund (RDMIX) has gone through a strategy change, renaming as the ReturnStacked Balanced Allocation & Systematic Macro Fund and keeping the same symbol. " balanced allocation and $1 of exposure to a systematic macro strategy."

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Discipline Funds

DECEMBER 29, 2024

Asset Allocation and Goals. We are big advocates of time based asset allocation. This means you should try to create specific buckets for your portfolio where youre matching future expenses and liabilities to specific corresponding assets. Retirement Planning Review your retirement goals and objectives.

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Random Roger's Retirement Planning

FEBRUARY 28, 2025

Based on Cambria's other multi-asset funds, ENDW will probably have fixed income duration but that's a space I will continue to avoid. The results. The returns of both the unleveraged and leveraged versions are good but there is a good bit of volatility.

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Random Roger's Retirement Planning

MARCH 30, 2025

The prompt was a mention of the Cambria Global Asset Allocation ETF (GAA) somewhere and since the market has done so poorly, I though it would be worth revisiting. I'll close out with an update on The United States Sovereign Wealth ETF that I made up and first wrote about on March 5.

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Random Roger's Retirement Planning

NOVEMBER 17, 2024

MDCEX is in Morningstar's Tactical Asset Allocation (TAA) category and the Fidelity info page for the fund offers the following comparison to other funds. The respective yields of the three funds are 9.9% with 38% leverage, 9.02% with no leverage information provided and 8.91% with 23% leverage.

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Random Roger's Retirement Planning

NOVEMBER 8, 2024

I found their asset allocation and wanted to see from the top down if there's a way to mimic them to some extent and get decent results. A few different things today. First, the Alberta Investment Management Company, the province's public pension system, cleaned house due to poor performance. Here's how I built the portfolio.

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Talon Wealth

OCTOBER 26, 2023

Retirement planning is a critical part of financial security that many women still overlook. However, remember that as a woman, you have a longer life expectancy than a man, which means retirement planning is even more important. Retirement planning is an important part of financial security for women.

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Nerd's Eye View

JUNE 14, 2024

Also in industry news this week: While an infusion of Private Equity (PE) capital has shaken up the RIA M&A market, the ultimate implications for advisors, their clients, and the PE firms themselves remain unclear A recent study has found that a significant portion of 'DIY' investors are open to working with a human advisor (and paying for the (..)

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Nerd's Eye View

JANUARY 4, 2023

Financial advisors have a wide range of strategies at their disposal to create financial plans for their clients. And when it comes to retirement planning, one popular technique is the use of ‘guardrails’, which set an initial monthly withdrawal rate that can be later adjusted as the size of the client’s portfolio changes.

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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.

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Million Dollar Round Table (MDRT)

OCTOBER 1, 2023

Allocating retirement planning I introduce asset allocation with clients by dividing retirement life into two parts: basic life and high-quality life. After showing them that breakdown, I discuss the details of asset allocation. Chin-Lung Wang , Taipei City, Taiwan Area, 21-year MDRT member

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The Chicago Financial Planner

JUNE 13, 2022

Assuming that you have a financial plan with an investment strategy in place there is really nothing to do at this point. Ideally you’ve been rebalancing your portfolio along the way and your asset allocation is largely in line with your plan and your risk tolerance.

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Nationwide Financial

JANUARY 25, 2023

Last year’s considerable losses and market fluctuations underscore the need for clients to assess their retirement plans to ensure it aligns with their objectives, financial situations, timelines, and attitudes toward market volatility. You can help them start the year right by conducting a retirement checkup.

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A Wealth of Common Sense

OCTOBER 3, 2024

We emptied the inbox this week covering other questions about getting your CFA designation, the types of bonds you should own in retirement, how pensions fit into a retirement plan, how to spend more money, teaching your kids about money, becoming a landlord, using a HELOC as an emergency fund, how analysts rate stocks and adding international exposure (..)

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The Chicago Financial Planner

FEBRUARY 5, 2022

Perhaps it’s time to rebalance and to rethink your ongoing asset allocation. Related Posts: Five Things to do During a Stock Market Correction Is a $100,000 Per Year Retirement Doable? Take stock of where you are. What impact have the solid stock market gains of the past three years had on your portfolio? Costs matter.

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The Chicago Financial Planner

NOVEMBER 8, 2021

Has the market rally accelerated the amount you’ve accumulated for retirement relative to where you had thought you’d be at this point? If so, this is a good time to revisit your asset allocation and perhaps reduce your overall risk. Learn from the past . Photo credit: Phillip Taylor PT.

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Cordant Wealth Partners

SEPTEMBER 8, 2022

Decide upon your asset allocation The first step in investing your 401(k) is determining your “asset allocation,” which is simply the mix of stocks, bonds and cash you’ll hold. This mix of assets is the main building block of your portfolio and will primarily determine the risk and return in the account.

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James Hendries

AUGUST 24, 2022

But volatile markets aren’t necessarily a negative thing, especially when it comes to retirement planning. When you are planning for retirement, a lost decade can mean stagnated savings and loss of buying power to inflation. Target Date Funds Can Help Asset Allocation.

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A Wealth of Common Sense

FEBRUARY 16, 2024

The set-it-and-forget-it nature of a workplace retirement plan is one of my favorite features. 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. Plus, I like the fact that it’s difficult to get the money out of these ac.

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Advisor Perspectives

JANUARY 20, 2023

Learn how our industry-leading asset allocation expertise can help participants make investment choices with more confidence and help employers reach their plan goals. Advice boosts workers’ confidence in choosing investments—from 35% to 65%.

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Darrow Wealth Management

OCTOBER 29, 2024

Your asset allocation is the percentage of your portfolio that you distribute between different asset classes, like stocks and bonds. To rebalance your portfolio, you’ll buy and sell certain investments to realign to your accounts with your desired asset allocation.

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Advisor Perspectives

NOVEMBER 11, 2022

Offer more ways clients may achieve their retirement plan goals while helping address the diverse investment needs of participants. Learn about our industry-leading investments and expertise—featuring more default options and more personalized asset allocation.

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Carson Wealth

DECEMBER 1, 2022

Take Advantage of Retirement Plans and Matching Contributions. Most employer retirement plans allow you to save on a tax-deferred basis, meaning that contributions into these types of accounts are not considered in calculating your taxable income. . Determine an Appropriate Risk Tolerance for a Longer Time Horizon .

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Validea

JUNE 22, 2023

We talk both retirement planning and factor investing with Dimensional Fund Advisors Senior Researcher Mathieu Pellerin. The post Factor Investing for Retirement with DFA’s Mathieu Pellerin appeared first on Validea's Guru Investor Blog. In this episode, we combine two of the topics we often cover on the podcast.

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