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

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

JULY 8, 2023

Barron's had a fun article that looked at some ideas from William Bernstein titled The Trick To A Bullet Proof Portfolio? Based on the title, it would seem to be in the neighborhood of creating an all-weather portfolio which we've looked at in several different forms over the course of my full 19 years of blogging.

Asset Allocation 64

Asset Allocation Math Portfolio Assets 64

Random Roger's Retirement Planning

DECEMBER 10, 2023

There was a lot of content from various places over the weekend about whether it is time to go back into bonds, what retired investors should do for yield and even whether retirees are better off going 100% into equities. This chart contributes to the logic supporting a 60/40 portfolio. Barron's also noted that 60/40 was up 9.6%

Portfolio 61

Portfolio Math Assets Retirement 61

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. The only pension I am remotely close to is the Arizona Public Safety Personnel Retirement System. The concept of pensions is that they provide a security net to retired workers. Is he right? Is he wrong?

Retirement 47

Retirement Math Management Taxes 47

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 65

Portfolio Math Management Investing 65

Yardley Wealth Management

JULY 20, 2022

Their retirement plan is strong, their kids are independent, and they are debt-free. They’re approaching retirement age, but it’s hard for them to imagine what exactly retirement will look like. We’d look at the asset allocations of their portfolios and whether they’re tax-deferred, tax-exempt, or taxable.

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

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 1, 2023

A quick excerpt from a post a couple of weeks ago about retirement misconceptions. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. Part of the math that determines options premiums is the risk free rate of return from T-bills.

Math 60

Math Retirement Numbers Portfolio 60

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 78

Portfolio Clients Assets Math 78

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

Brown Advisory

AUGUST 1, 2019

So it may be surprising to hear that a Roth IRA—a vehicle ostensibly intended for retirement income—can be a powerful mechanism for next-generation wealth transfer. Background Since January 1, 2010, all individuals, regardless of income levels, have been able to convert existing retirement accounts such as traditional IRAs into Roth IRAs.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

AUGUST 1, 2019

So it may be surprising to hear that a Roth IRA—a vehicle ostensibly intended for retirement income—can be a powerful mechanism for next-generation wealth transfer. Since January 1, 2010, all individuals, regardless of income levels, have been able to convert existing retirement accounts such as traditional IRAs into Roth IRAs.

Planning 52

Planning Distribution Taxes Accounting 52

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. How to turn 10K into 100K through investing in retirement accounts. IRAs are meant for retirement, so you won’t be able to withdraw the money until age 59.5

Education 59

Education Retirement Investing Investments 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 286

Assets Clients Investing Investments 286

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

Clever Girl Finance

JANUARY 29, 2023

This is very important for retirement, and knowing what your target net worth by age should be will help you better understand how to reach your personal financial goals. 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.

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. They charge $495 per month for on-going investment management, retirement planning and financial advice as-needed. But, let’s say you had a much smaller portfolio. . $89 per month.

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 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 257

Investing Investments Numbers Banking 257

The Big Picture

NOVEMBER 22, 2022

And so they stood up a firm called AltFinance, whose main purpose was to help alternative asset managers tap into that rich pool of potential hires. I look for people that have done extracurricular work, or you know, manage their own little portfolio, or have stock ideas or businesses ideas that they want to pitch.

Recruitment 141

Recruitment Engineering Investing Investments 141

Bell Investment Advisors

NOVEMBER 27, 2023

On the other hand, if you’ve received a non-retirement portfolio, you may enjoy a step-up in basis on appreciated assets, so near-term taxes are less of a concern. For example, you may want to consolidate the inherited assets into your preexisting accounts. Interdependencies and tradeoffs abound.

Accounting 52

Accounting Distribution Investment Advisor Taxes 52

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

Aleph

JANUARY 14, 2023

Picture Credit: David Merkel, with an assist from the YouImagine AI image generator || Boldly flying in front of a stained glass window Portfolio Management Sick of the ups and downs of the markets? Jan 08, 2023 Also, the article is wrong when it states that current math pedagogy favors boys over girls.

Math 59

Math Assets Government Engineering 59

The Big Picture

AUGUST 8, 2022

ANAT ADMATI, PROFESSOR OF FIANCE AND ECONOMICS, STANFORD GRADUATE SCHOOL OF BUSINESS: So, my journey starts where I took a lot of math. I was good in math and I love the math. So, I was kind of, in my romantic mind when I was in my early 20s, I was going to take but not give back to math, that kind of thing. ADMATI: Yes.

Banking 195

Banking Government Insurance Taxes 195

The Big Picture

AUGUST 15, 2023

So if you start with the S&P 500 or in this case stocks and bonds, you only have two asset classes, right. So the proper benchmark for those pools has to look a little bit like the underlying assets they’re investing in. That’s a really easy portfolio to create. RITHOLTZ: Fair enough. RITHOLTZ: Right.

Management 130

Management Investing Investments Government 130

The Big Picture

DECEMBER 6, 2022

And before that, Morgan Stanley, doing technology and operations planning for the wealth and asset management group. It has to be such a different set, the retirement planning is different, the safety net is different. What percentage of the assets are in ETFs relative to mutual funds? BERRUGA: You know, great question.

Clients 152

Clients Investing Investments Management 152

The Big Picture

SEPTEMBER 12, 2022

They run over $800 billion in client assets, and Kristen’s group, the North American Group, is responsible for about half of the revenue that that massive organization generates. I — I loved math, but really, I was going to go down that literature route more than anything else and — and study Spanish literature.

Clients 286

Clients Wealth Management Investing Investments 286

Random Roger's Retirement Planning

JULY 14, 2022

For the last ten years it's down about 13% but adding even just 6% per year back in for dividends, 60% total using simple math is a total return of 47% or 4.7% I've really been on a run lately in trying to dissect some of these funds with the long term idea of seeing whether they can play a role in client portfolios.

Portfolio 56

Portfolio Math Clients Marketing 56

Good Financial Cents

JUNE 25, 2023

Ad Diversify your portfolio with Cryptocurrency Investments. Ad Create your cryptocurrency portfolio today Public has a variety of features that make it the best place to start trading. The stock market is a lot more established with hundreds of years of history and clearer methods of deciding the value of an asset.

Investing 75

Investing Investments Accounting Commission 75

Good Financial Cents

APRIL 14, 2023

With more money at our disposal, we maxed out our retirement accounts and invest in real estate, while we travel 12 weeks annually.” – Holly Johnson, Freelance Writer and Blogger at ClubThrifty.com Holly has become so successful as a freelance writer that she now offers a course helping others succeed on the same path. Ads by Money.

Communication 90

Communication Investing Investments Accounting 90

The Big Picture

MARCH 27, 2023

She is an author and former hedge fund trader, specializing in distressed assets. She was a partner and a portfolio manager at Canyon Capital, a firm that runs currently about $25 billion. MIELLE: Well, I mean, it was a fairly new asset class. New asset class for this type of investing as well. So you retire in 2018.

Assets 274

Assets Investing Investments Management 274

The Big Picture

MARCH 21, 2023

You’re accidentally waiting into yet another quant controversy, whether you need both these characteristics in every stock, or whether you can have some stocks that are great on one and simply average on the other and the portfolio comes out. It’s about half our assets. This is like quant finance circa 1990. RITHOLTZ: Okay.

Valuation 161

Valuation Investing Investments Numbers 161

The Big Picture

JULY 19, 2022

The transcript from this week’s, MiB: Antti Ilmanen, Co-Head, Portfolio Solutions, AQR , is below. BARRY RITHOLTZ; HOST; MASTERS IN BUSINESS: This week on the podcast, I have an extra special guest, Antti Ilmanen is AQR’s Co-head of the Portfolio Solutions Group. CO-HEAD, AQR’S PORTFOLIO SOLUTIONS GROUP: Thanks, Barry.

Investing 130

Investing Investments Valuation Portfolio 130

The Big Picture

DECEMBER 12, 2023

And I was a math nerd as a kid. You’re 34th, you’re retiring after 34 years and you trounce what’s really the more appropriate benchmark, I would assume the Russell 2000. And the assets under management were smaller. And the value line has all these statistical patterns. You, you beat the s and p by 3.7%

Management 258

Management Investing Investments Retail 258