Random Roger's Retirement Planning

FEBRUARY 29, 2024

The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. The information, analysis and opinions expressed herein reflect our judgment and opinions as of the date of writing and are subject to change at any time without notice. That just isn't the reality.

Marketing 73

Marketing Marketing Math Portfolio 73

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

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. So using simple math, the total return is 34% versus 72% for the common. They talked about how outsourcing model construction can save advisors a lot of time.

Portfolio 72

Portfolio Asset Allocation Math Compliance 72

Clever Girl Finance

AUGUST 2, 2022

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. Although it may not sound glamorous, retirement accounts are a solid means of increasing your money. IRAs or Roth IRAs. without penalties. Similar to the 401(k) is a 403(b).

Education 59

Education Retirement Investing Investments 59

Random Roger's Retirement Planning

FEBRUARY 8, 2023

It is two different strategies, the company's website has a fact sheet on each one although oddly I couldn't find information about VOLSX, the actual mutual fund, on the company's site. Here are some other numbers compared to the S&P 500 and VBAIX which is a proxy for a 60/40 portfolio. Long short vol? Not exactly.

Portfolio 40

Portfolio Math Management Investing 40

Midstream Marketing

SEPTEMBER 24, 2019

They spend hours writing articles and finally hit that “Submit” button… only to not get anywhere near the number of leads that they thought they would. Yes, a mortgage rate calculator should help someone find the information they’re looking for. Retirement Planning. Required Minimum Calculator.

Financial Advisor 52

Financial Advisor Retirement Planning Retirement Planning 52

The Big Picture

SEPTEMBER 19, 2023

One, one is true and I’ve always said is that I wanted people to stop, ask if I could doing math. And no one asked me if I can do math anymore with a degree from Booth, particularly in econometrics and statistics. So people really ask you, you take French and can you do math. So I applied to Maryland State retirement.

Assets 140

Assets Management Portfolio Investing 140

Clever Girl Finance

FEBRUARY 21, 2024

The term personal finance ratios might give you flashbacks to math class, learning various formulas, equations, and ratios. In mathematical terms, a ratio is essentially a way to compare two numbers. Since finance is all about numbers, that can come in handy in many ways especially when making financial calculations!

Assets 77

Assets Numbers Math Retirement 77

The Better Letter

FEBRUARY 8, 2024

Subscribe now Share The Better Letter Get more from Bob Seawright in the Substack app Available for iOS and Android Get the app TRIGGER WARNING: I’m going to do some sports math nerding-out this week. Brady is now retired as a seven-time Super Bowl champion, five-time Super Bowl MVP, 15-time Pro Bowler, and three-time NFL MVP.

Numbers 91

Numbers Education Management Math 91

The Big Picture

NOVEMBER 22, 2022

Number one, and I think they both reflect strong leadership at the firms. Number one, you had, you know, somewhat of a groundswell from within the firm, certainly at leadership that said we need to figure out a way to do something. Key brands, number one, Coca-Cola Bottling is the company that really helped to jumpstart the city.

Recruitment 140

Recruitment Engineering Investing Investments 140

Clever Girl Finance

JANUARY 29, 2023

The information here is just to guide you, not to set any rules. 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. Staying away from debt is also encouraged so you can keep your net worth number positive.

Budgeting 114

Budgeting Retirement Assets Education 114

The Big Picture

NOVEMBER 14, 2023

She has a really fascinating background, very eclectic, a combination of math and law. She has run a number of firms and a number of divisions at large firms and traced a career arc that’s just very unusual compared to the typical person in finance. It is something, math has always come easy to me since a child.

Math 130

Math Management Insurance Assets 130

Clever Girl Finance

MARCH 6, 2023

You can turn these earnings into the beginning of your retirement nest egg or even fund your college expenses in a few years! By starting your savings early , you could have millions of dollars by the time you get to retirement age just from saving small amounts. Wouldn't that be nice? So decide on a flat fee for your service.

Media 86

Media Accounting Banking Food 86

Sara Grillo

JUNE 12, 2023

If it says “variable” in the name of the product, they are required by law to produce this cost information. If it is indexed or universal, they are not required but they should be able to produce this information. Quick math: If you have $1.828 million in the bank. And , you have to do the math by hand.

Insurance 59

Insurance Clients Financial Advisor Math 59

The Big Picture

MAY 9, 2023

He co-chairs a number of the asset management investment committees. So I interviewed with a bunch of banks, got a number of job offers by the end of the week, and joined Goldman Sachs in October 1998. I ended up being hired onto the high yield desk as a research analyst and did that for a number of years, a couple of years.

Assets 283

Assets Clients Investing Investments 283

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

Mr. Money Mustache

NOVEMBER 10, 2020

So I decided to take some action, by doing the math for myself using a spreadsheet. All covered, with no co-pay and in an environment that feels to me like Presidential-level health care, in striking contrast to some of my past experiences where I felt like an anonymous numbered ticket in a sloshing sea of bureaucratic institutional medicine.

Insurance 66

Insurance Medical Medicine Healthcare 66

Sara Grillo

MAY 8, 2023

Policy lapse results in phantom income tax on the entire amount of the capital gain in the policy, plus there is the disappointment of having an asset you counted on (maybe to retire) go to zero. The issues lie in how IUL policies are shown to clients, in the illustrations. SARA GRILLO: Is the long… Typically, fixed or variable.

Insurance 59

Insurance Clients Financial Advisor Accounting 59

The Big Picture

JUNE 6, 2023

Stanford BA Information and Society with a minor in psychology, a master’s in social psychology and interpersonal processes. I go, good information has nothing to do with time. And they do that for 35 years tweaking numbers I go you won, you won the game. SETHI: Yes, number one is eating out or dining.

Accounting 130

Accounting Numbers Budgeting Financial Counseling 130

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.

Banking 192

Banking Government Insurance Taxes 192

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 Banking 59

Good Financial Cents

AUGUST 10, 2023

Suddenly, you find yourself entering a world where numbers come alive, swirling and dancing to the beat of hourly wages and annual salaries. Calculate the total number of working hours in a year by multiplying the weekly hours (40) by the weeks in a year (52), which equals 2,080 hours. Sounds amazing, doesn’t it?

Budgeting 52

Budgeting Taxes Numbers Management 52

Clever Girl Finance

JANUARY 29, 2023

Causes of the student debt crisis Based on these staggering numbers, the student loan crisis arises from the fact that many Americans are taking on high debt for college but are unable to pay off their student loans. For white students, that number drops to 59.9%. But what causes this debt burden? An estimated 86.6%

Budgeting 105

Budgeting Education Planning Government 105

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. As I am wont to say, information is cheap while meaning is expensive. I thought it was amazing, and a wonderful surprise.

Insurance 111

Insurance Food Asset Allocation Math 111

The Better Letter

NOVEMBER 2, 2023

I couldn’t make that math work at all plausibly. For example, the three worst-performing sectors of the S&P 500 in 2022 (Communications Services, Consumer Discretionary, and Information Technology) were the only sectors to outperform in the first half of 2023. Did you catch it? Here’s about as close as I could come.

Certified Financial Planner 94

Certified Financial Planner Investing Investments Portfolio 94

The Big Picture

DECEMBER 6, 2022

It has to be such a different set, the retirement planning is different, the safety net is different. People in Spain when I was growing up in the ‘80s and ‘90s, they expect to just retire and have the government give them like a paycheck every month. I was employee number 10. RITHOLTZ: Which is really a pretty big number.

Clients 150

Clients Investing Investments Management 150

The Big Picture

AUGUST 15, 2023

Or at least the top, pick a number, 30, 40%. I don’t remember the number. ” 29, 87, 74, just pick any 50 plus percent number and certainly 2000 and ’08, ’09, a major index gets cut in half. So you’re talking about an average of a large number. Less, 20, 30%? And — RITHOLTZ: What?

Management 130

Management Investing Investments Government 130

Good Financial Cents

JUNE 25, 2023

As you can see from those numbers, early Bitcoin investors who held on through the crypto’s ups and downs likely made a fortune. If you’re comfortable using a computer and have your information handy, you can create an account with most exchanges in about 10 minutes or less. Can Beginners Invest in Bitcoin?

Investing 76

Investing Investments Accounting Commission 76

The Better Letter

OCTOBER 6, 2022

” After the Dodgers were retired in order in the bottom of the eighth inning, Gibson swung his aching legs down from the training table to hobble toward the clubhouse. “And look who’s coming up,” legendary broadcaster Vin Scully informed the NBC television audience, as Gibson limped to the plate.

Math 68

Math Management Numbers Planning 68

The Big Picture

SEPTEMBER 12, 2022

I wasn’t that typical person that did a number of, you know, internships during the summer, had that …. I — I loved math, but really, I was going to go down that literature route more than anything else and — and study Spanish literature. One, we also saw a record number of credit card openings in Q1 and Q2.

Clients 283

Clients Wealth Management Investing Investments 283

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. million people owe $1.75

Communication 91

Communication Investing Investments Accounting 91

The Big Picture

MARCH 27, 2023

So you retire in 2018. RITHOLTZ: There’s safety in numbers. RITHOLTZ: The whole concept of whisper numbers, which we still use the phrase, but it doesn’t really exist anymore. The numbers are correct. RITHOLTZ: All be fair, they’ve put up some pretty good numbers lately. MIELLE: Correct.

Assets 271

Assets Investing Investments Management 271

The Big Picture

JULY 4, 2023

It’s really giving them information and perspective they don’t already have. And number two, it may interest you to know, here are four or five different funds in the same situation. These are big numbers. I’ll have to be when I retire and publish under Anonymous. WEINSTEIN: It’s everything.

Management 140

Management Recruitment Numbers Banking 140

Good Financial Cents

AUGUST 19, 2023

That might sound like an exaggeration, but if you crunch the numbers – just as we’ll be doing a little bit – you’ll realize that a million-dollar policy might be just what you need. EXPERT TIP That brings us back to simple math – multiplying your annual income times the number of years your family’s living expenses will need to be covered.

Insurance 97

Insurance Insurance Coverage Medical Certified Financial Planner 97

The Big Picture

MARCH 21, 2023

You can use this in a number of ways. And that’s a pretty good number. RITHOLTZ: So like the 40 percent number, what are the odds of this happening? Stocks usually make 10 percent a year, and don’t hold me to any of these numbers. What you’re going to earn on that money is an important number.

Valuation 158

Valuation Investing Investments Numbers 158

The Big Picture

DECEMBER 12, 2023

And I was a math nerd as a kid. And because my mother and grandmother were looking at these trying to figure out what was going on, I was curious about the sea of numbers. 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.

Management 256

Management Investing Investments Retail 256