Trade Brains

DECEMBER 7, 2023

By enrolling in this course you will learn to manage your finances more effectively by mastering budgeting and portfolio creating for a healthy retirement corpus. From the above concepts you will learn how to approach financials and plan for your retirement goals with good risk management. You can enroll in the course here.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Clever Girl Finance

FEBRUARY 6, 2023

The term personal finance ratios might be giving you flashbacks to math class. You can use ratios to keep track of many different aspects of your financial situation—from cash flow to savings to retirement and more. Put simply, liquid assets refer to (A) cash or (B) other financial assets you can quickly convert into cash.

Numbers 75

Numbers Assets Retirement Budgeting 75

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 46

Retirement Math Management Taxes 46

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

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

Random Roger's Retirement Planning

JULY 8, 2023

That is difficult to pull off but if you do the math on that it shows long term outperformance. Having that much in asset classes that are intended to not look like equities should mean that the long term result won't look anything like the stock market. This is why we talk about taking bits of process from various sources.

Asset Allocation 60

Asset Allocation Math Portfolio Assets 60

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 57

Math Retirement Numbers Portfolio 57

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. As a matter of math, it cannot repeat the run from 8.5% Barron's also noted that 60/40 was up 9.6% in November.

Portfolio 58

Portfolio Math Assets Retirement 58

The Big Picture

FEBRUARY 6, 2024

I’d say management consulting is any of the other thing that least at that time was the other career trajectory, just my personality, more of a math oriented introvert. And that a bit of that cult, Dick and Ike are both retired now. And I very much get the sense he has no interest in retiring. So I was at Harvard.

Valuation 130

Valuation Investing Investments Assets 130

Random Roger's Retirement Planning

FEBRUARY 1, 2024

It appears to have 37% in equities mixed between "aggressive growth stocks" and "real estate and natural resources," 25% in precious metals, a little bit in "Swiss franc assets" and the rest in "dollar assets" which are mostly bonds. For the last 15 years PRPFX has average annualized growth of 6.7%, about half that of the S&P 500.

Portfolio 40

Portfolio Math Assets Taxes 40

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

Random Roger's Retirement Planning

FEBRUARY 6, 2024

It is important to understand the math though. Where equities are the thing that goes up the most, most of the time, that is where I would prefer to get growth and use other asset classes to bring in yield (without much duration) and manage portfolio volatility. I think managed futures are pretty good at this as just one example.

Portfolio 62

Portfolio Math Management Investing 62

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

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. It's multi-asset and multi-strategy.

Portfolio 74

Portfolio Clients Assets Math 74

Random Roger's Retirement Planning

NOVEMBER 21, 2023

Asset allocation matters. So using simple math, the total return is 34% versus 72% for the common. The more effort you expend, like frequent trading or in CALPERs case, frequent policy changes, the more you're are fighting against the market's ergodic potential. That's not a call to do nothing. adds another 22.5%

Portfolio 72

Portfolio Asset Allocation Math Compliance 72

Clever Girl Finance

FEBRUARY 21, 2024

The term personal finance ratios might give you flashbacks to math class, learning various formulas, equations, and ratios. You can use ratios to keep track of many different aspects of your financial situation—from cash flow to savings to tips for retirement planning and more. Personal finance ratios Personal finance ratios 5.

Assets 77

Assets Numbers Math Retirement 77

Random Roger's Retirement Planning

FEBRUARY 8, 2023

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. RSBT is managed as a joint effort by Newfound Research, ReSolve Asset Management and Toroso Investments. The WisdomTree US Efficient Core Fund (NTSX) is an easy example for understanding the concept.

Portfolio 40

Portfolio Math Management Investing 40

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

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

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

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. RITHOLTZ: So generally speaking, alternative assets, that’s a tough gig to get into regardless of where you go to school. I also saw that they had some really unique assets.

Recruitment 143

Recruitment Engineering Investing Investments 143

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. But so do opportunities.

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

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. Retirement Portfolio Partners. . $89 per month. 450 start up. Firstmetric.

Financial Advisor 52

Financial Advisor Financial Advice Financial Planner Assets 52

Clever Girl Finance

DECEMBER 16, 2023

Once you know your weekly or monthly income, you can do the simple math of calculating how much 70% would be. We all need an emergency fund, and to save more long-term (think: retirement). Don’t put it into a retirement account where you won’t be able to get the money out for years.) Consider some of these ways to save.

Budgeting 72

Budgeting Retirement Accounting Taxes 72

Aleph

JANUARY 14, 2023

Jan 10, 2023 The California Public Employees’ Retirement System is making a $1Bn wager that small private equity firms can boost the pension giant’s returns and clout [link] CALPERS has a knack for being late… adding money to two small private equity shops now? It is the opposite, except in the top decile.

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: OK.

Banking 198

Banking Government Insurance Taxes 198

The Big Picture

AUGUST 29, 2023

That period very much encompasses Vanguard going from an admittedly successful, but not enormous entity, till I think the 2000s, especially the financial crisis, changed how people thought about managed assets, indexing, advisory versus transactional, and Vanguard, along with BlackRock, have been two of the biggest beneficiaries of this.

Portfolio 130

Portfolio Investing Investments Numbers 130

The Better Letter

OCTOBER 5, 2023

The biggest thing, though, was that my much-better-half retired. As you will see, to honor her retirement, students and former students lined the entire route from her classroom to our house to applaud her. Then we must stick to them, avoiding the temptation to chase hot assets or spend too much in the face of losses.

Insurance 110

Insurance Food Asset Allocation Math 110

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. If you look at the types of assets that Yale invests in, you can create a benchmark for each pool.

Management 130

Management Investing Investments Government 130

Sara Grillo

JUNE 12, 2023

Quick math: If you have $1.828 million in the bank. And , you have to do the math by hand. To What If Analysis, what if I pay… So I’m doing my cash flow planning in my retirement plan, and I say, You know, I don’t wanna have to pay for in as a retirement. There is an admin charge of about $49k.

Insurance 59

Insurance Clients Financial Advisor Math 59

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 154

Clients Investing Investments Management 154

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 290

Clients Wealth Management Investing Investments 290

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% They are the asset class that goes up the most, most of the time. That long term chart really is something for how flat it is has been.

Portfolio 53

Portfolio Math Clients Marketing 53