Clever Girl Finance

OCTOBER 20, 2022

Importantly, liquid net worth is different than your overall net worth because it only takes your liquid assets into account. In other words, while your net worth is the complete value of all your assets (i.e., what you owe), the liquid amount you own is only the total value of your liquid assets minus your liabilities.

Assets 59

Assets Accounting Math Portfolio 59

Random Roger's Retirement Planning

FEBRUARY 6, 2024

I don't see the diversification benefit which as an ongoing theme forces us to think differently about how to build a 60/40 portfolio. It is important to understand the math though. No portfolio concept can always be best. Any valid idea you come up with for your portfolio will lag at times. That's a year to date chart.

Portfolio 62

Portfolio Math Management Investing 62

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

The Big Picture

FEBRUARY 6, 2024

If you’re at all interested in focused portfolios, the concept of quality as a sub-sector under value and just how you build a portfolio and a track record, that’s tough to beat. Dick Mayo was a traditional, I’d say portfolio, strong portfolio manager focused on US stocks. So I was at Harvard.

Valuation 130

Valuation Investing Investments Assets 130

Random Roger's Retirement Planning

FEBRUARY 1, 2024

Anything related to the Permanent Portfolio (portfolio devised by Harry Browne weighting 25% each to stocks, long bonds, cash and gold) or any of the Permanent Portfolio-inspired modern investment products are always fun to look at. I wanted to circle back to the ProShares S&P 500 High Income ETF (ISPY).

Portfolio 40

Portfolio Math Assets Taxes 40

Random Roger's Retirement Planning

DECEMBER 10, 2023

A little more specifically the need for diversified portfolios persists with the implication that bonds are the way to get this done. This chart contributes to the logic supporting a 60/40 portfolio. As a matter of math, it cannot repeat the run from 8.5% down to 0.50% let alone from the all time high of 15% down to 0.50%.

Portfolio 58

Portfolio Math Assets Retirement 58

Random Roger's Retirement Planning

JULY 27, 2022

In my ongoing quest to redefine portfolio construction, I've mentioned labeling asset classes based on their attributes versus just their proper names like growth which could include more than just equities or inflation protected which could include more than just TIPS and so on.

Portfolio 74

Portfolio Clients Assets Math 74

Investing Caffeine

FEBRUARY 1, 2022

Math Matters. I did okay in school and was educated on many different topics, including the basic principle that math matters. With that said, I am always quick to point out that diversification in a portfolio is important (i.e., Source: Calafia Beach Pundit. Source: Edward Yardeni.

Math 52

Math Assets Investing Investments 52

Carson Wealth

MARCH 2, 2023

Often, they have built exceptionally successful careers and saved substantial amounts in various asset classes. Having a good-sized pool of liquid assets is important so you can preserve your capital rather than making withdrawals during an ongoing market downturn, which can have a damaging impact. Contact us today.

Retirement 98

Retirement Taxes Financial Advisor Accounting 98

Steve Sanduski

AUGUST 4, 2022

I’ll go straight to the punch line —> The average RIA firm had negative revenue growth over the past five years if you exclude market movement using a traditional 60/40 market portfolio as a proxy for RIA investment allocations. With a traditional 60/40 allocation, this portfolio would have grown about 75.5%

Math 52

Math Portfolio Numbers Distribution 52

Random Roger's Retirement Planning

FEBRUARY 8, 2023

Here are some other numbers compared to the S&P 500 and VBAIX which is a proxy for a 60/40 portfolio. The way the math works, a 67% allocation to NTSX replicates 100% into a 60/40 portfolio which leaves 33% left over to do something. In 2022, VBAIX was down 16.87% while Portfolio 2 was only down 10.77%.

Portfolio 40

Portfolio Math Management Investing 40

Darrow Wealth Management

MAY 22, 2023

So when the federal funds rate goes up, it can have an outsized impact on shorter term interest rates on assets like Treasury bills (T-bills). Again just using simple math, this presumes the par value will roll over each month and reinvest at the same rate to get to the annual yield. Compare that to the stated yield of 5.6%

Investing 90

Investing Investments Wealth Management Accounting 90

Brown Advisory

JANUARY 17, 2024

One of our colleagues, Ken Stuzin, likens portfolio construction to Darwinian Investing – it is about survival of the fittest. In a concentrated portfolio, it is the losers that kill you. What sort of hit rate should we then expect within their portfolio? 5 As Table 2 below highlights, this team appears to be seriously good!

Investing 52

Investing Investments Portfolio Compliance 52

Random Roger's Retirement Planning

DECEMBER 1, 2023

Part of the math that determines options premiums is the risk free rate of return from T-bills. Back to Israelov's quote, they can be a way to add volatility as an asset class, in this case through something that sells that asset class, that sells volatility. Covered call funds have many favorable attributes.

Math 57

Math Retirement Numbers Portfolio 57

Darrow Wealth Management

OCTOBER 1, 2022

Using extra income or savings to pay down a mortgage faster moves your most liquid asset (cash) into a very illiquid asset (your home). On the flip side, not having a mortgage in retirement can be beneficial if it reduces overall lifestyle costs and how much you’ll need to draw from your portfolio in retirement.

Retirement 81

Retirement Taxes Math Wealth Management 81

Random Roger's Retirement Planning

JULY 9, 2023

Generally speaking, pensions are less viable than they used to be, the math doesn't work as well. Workers are not on the hook for managing their portfolios, don't have to manage withdrawal rates and have some security that their monthly check is what it is, maybe there's a COLA or maybe not but no surprises. Is he right? Is he wrong?

Retirement 46

Retirement Math Management Taxes 46

Aleph

NOVEMBER 1, 2022

BV: Book value — the accrued value of the stable value fund assets so far. MV: Market Value — the market value of the assets now, if we are able to liquidate the assets at current prices. AYTM: Annualized Yield to Maturity — the annualized rate that the assets are yielding at current market prices.

Insurance 59

Insurance Assets Management Math 59

The Big Picture

MAY 9, 2023

He is the Chief Investment Officer of Asset and Wealth Management at Goldman Sachs. He co-chairs a number of the asset management investment committees. trillion in assets under supervision. JULIAN SALISBURY, CHIEF INVESTMENT OFFICER OF ASSET AND WEALTH MANAGEMENT, GOLDMAN SACHS: Thanks, Barry. And I think you will also.

Assets 290

Assets Clients Investing Investments 290

Yardley Wealth Management

JULY 20, 2022

We’d look at the asset allocations of their portfolios and whether they’re tax-deferred, tax-exempt, or taxable. The math is the easy part, but James and Pamela have never really had a conversation on what their dream will look like—or even to what extent they both share it. So—problem solved, right? Well, actually, no.

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

Brown Advisory

AUGUST 1, 2019

Roth and traditional IRAs both provide tax-free growth on invested assets to account owners, but the two options also differ in a variety of ways. Moving to a different state, with potentially very different tax treatment for retirement assets, may change the math governing how the decision plays out over time.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

AUGUST 1, 2019

Roth and traditional IRAs both provide tax-free growth on invested assets to account owners, but the two options also differ in a variety of ways. Moving to a different state, with potentially very different tax treatment for retirement assets, may change the math governing how the decision plays out over time.

Planning 52

Planning Distribution Taxes Accounting 52

Discipline Funds

APRIL 19, 2023

This piece was inspired by this fantastic Josh Brown rant on CNBC about how the 60/40 stock/bond portfolio isn’t dead. The 60/40 stock/bond portfolio is the gold standard of portfolios. The math on the 40% slice is much cleaner. Give it a watch. I don’t love a standalone bond aggregate as a 40% bond slice.

Portfolio 86

Portfolio Math Assets Management 86

The Big Picture

NOVEMBER 14, 2023

She has a really fascinating background, very eclectic, a combination of math and law. Eventually leading her to a point where she’s managing quants, running about a hundred billion dollars in assets. You, you get a, a BS in Mathematics and a JD from Boston University Math and Law. But that was Linda’s career path.

Math 130

Math Management Insurance Assets 130

Brown Advisory

MAY 31, 2018

STEM (science, technology, engineering and math) funding is steadily declining—a dynamic that potentially opens the door for China to gain ground on the AI innovation front. Almost all of the VC firms in our portfolio have invested in AI-driven companies, and we expect that trend to continue as AI grows more ubiquitous on a global scale.

Startup 52

Startup Math Clients Assets 52

Brown Advisory

MAY 31, 2018

STEM (science, technology, engineering and math) funding is steadily declining—a dynamic that potentially opens the door for China to gain ground on the AI innovation front. Almost all of the VC firms in our portfolio have invested in AI-driven companies, and we expect that trend to continue as AI grows more ubiquitous on a global scale.

Startup 52

Startup Math Clients Assets 52

Brown Advisory

MAY 3, 2018

We try to remind them that rising rates, despite their inevitable short-term effect on fixed-rate bond prices, do not necessarily mean long-term declines for bond portfolios generally or for municipal bond portfolios specifically. MUNICIPALS AND RISING RATES Simple math dictates that when yields rise, fixed-rate bond prices fall.

Taxes 52

Taxes Portfolio Valuation Clients 52

Brown Advisory

MAY 3, 2018

We try to remind them that rising rates, despite their inevitable short-term effect on fixed-rate bond prices, do not necessarily mean long-term declines for bond portfolios generally or for municipal bond portfolios specifically. Simple math dictates that when yields rise, fixed-rate bond prices fall.

Taxes 52

Taxes Portfolio Valuation Clients 52

The Big Picture

JANUARY 9, 2024

So like a component of it was like the standard derivatives math, right? And so like, you know, I got there and I learned derivatives math, right? It was derivatives math, it was like working with the traders on like risk management. Like, like the, you know, like the accounting standards.

Retail 130

Retail Banking Math Management 130

Mr. Money Mustache

MAY 20, 2022

Instead of investing in a productive asset, these speculators were just assuming the recent momentum would continue. It’s fun math – a 20% drop in prices means you get 25% more shares for your dollar, and a 50% drop means twice as many , or 100% more shares per dollar invested.). 2) My net worth has just cratered by 20%.

Marketing 57

Marketing Marketing Retirement Investing 57

Clever Girl Finance

AUGUST 2, 2022

It’s possible to turn 10K into 100K, but assets need time to appreciate. Let’s look at one tried-and-true way of multiplying your assets: retirement accounts. Some quick math for the value of your $10,000 after a certain number of years: 10 years: $20,000. So keep that in mind: if it sounds too good to be true, it probably is.

Education 59

Education Retirement Investing Investments 59

The Big Picture

MARCH 20, 2024

But today, data is widely available and it’s a key tool you can use to enhance your portfolio returns. Portfolio management was a lot less evidence-based than it is today. As it turns out, there are ways you can use data to your advantage, even if you’re not a math wizard. market volatility. Tell us about that.

Investing 154

Investing Investments Portfolio Valuation 154

The Big Picture

JANUARY 24, 2023

KKR was the biggest with $400 million of assets and eight people. And Forstmann Little was the second biggest with $200 million of assets, and four professionals and they hired me in as the fifth professional. RITHOLTZ: So it’s different math then I need 100x winner versus 99? Do you do distressed asset, real estate?

Investing 259

Investing Investments Numbers Banking 259

Clever Girl Finance

JANUARY 29, 2023

What's included with net worth Net worth includes your assets and your liabilities. Subtract your liabilities from your assets to get your net worth. Your assets include everything from the cash in your bank accounts to the value of your stock portfolios and the market value of anything tangible that you own such as a house or a car.

Budgeting 114

Budgeting Retirement Assets Education 114

Sara Grillo

MAY 16, 2022

Evanson Asset Management. Asset tiers include all accounts in a household combined and the minimum yearly fee is $550 per household. It is important to note that this would only be a low cost option for larger portfolios. It is important to note that this would only be a low cost option for larger portfolios.

Financial Advisor 52

Financial Advisor Financial Advice Financial Planner Assets 52

The Big Picture

AUGUST 29, 2023

So I came down, met with our head of the portfolio review department, which oversees our external managers, met with our head of brokerage, and then met with the head of bind indexing, who was Ken Volpert at the time. And she was like, “You should come down and talk to some people at Vanguard.”

Portfolio 130

Portfolio Investing Investments Numbers 130

The Big Picture

JANUARY 16, 2024

I was always good at math, but I really, I just didn’t relate to things that were more esoteric bonds options. I like as a real estate person, you walk through your assets, you can touch and feel things. Essentially you buy assets. It could be all kinds of assets. I knew I wanted to do something in business.

Assets 259

Assets Investing Investments Management 259

Sara Grillo

MAY 8, 2023

If you see the IUL grifters on TikTok claiming an IUL policy is better than a 401k, or that is has upside potential with downside protection, a “can’t lost money asset”, or “privatized banking” you’ll know why the outrage is well deserved. Then how come it’s sold as “can’t lose money asset” and other BS claims?

Insurance 59

Insurance Clients Financial Advisor Accounting 59