Random Roger's Retirement Planning

JULY 14, 2025

What is the math for a 4-5% withdrawal rate? Our Airbnb covers about 2/3rd of our current monthly expenses plus less frequent expenses like property tax and insurance. Do the math on your having just a 40% allocation which I would say is a little less than normal. Whatever the number, that is one income stream.

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The Big Picture

JULY 1, 2025

The transcript from this week’s, MiB: Velina Peneva, Swiss Re Chief Investment Officer , is below. Eva is group Chief Investment Officer for insurance, giant Swiss Ray. Really a fascinating conversation with someone who is uniquely situated in the investment world. I took a lot of math classes. at Wellesley.

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Random Roger's Retirement Planning

DECEMBER 3, 2024

There was an article on LinkedIn (via Abnormal Returns) by Victor Haghani that dug into the math working against leveraged ETFs. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

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Random Roger's Retirement Planning

JANUARY 6, 2025

. $6300 in today's dollars goes a long way for us, that's quite a bit more than our fixed monthly expenses but might be about equal to regular monthly expenses plus once or twice a year type expenses like property tax, home owners insurance and so on. If you will pull an income from an investment portfolio, what could go wrong?

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Random Roger's Retirement Planning

MARCH 18, 2025

And checking in on the GraniteShares YieldBoost SPY ETF (YSPY) that sells put spreads on a levered S&P 500 ETF; Yes, that is a rough start, clearly, but interestingly the math checks out. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

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Mr. Money Mustache

FEBRUARY 25, 2025

Its just basic math. But what about other investing options? Its always fun to at least look around and understand the larger investing world. Every year they gaze out at the investing horizon and make a ten-year forecast (guess) at future returns. Now back to the stock market. What if the Earnings are Rising?

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Abnormal Returns

JULY 9, 2025

ritholtz.com) Bill Brewster talks the ins and outs of deferring taxes with Wes Gray of Alpha Architect. larrykotlikoff.substack.com) Investing Alina Fisch, "You can’t hedge a sure thing with a maybe." wsj.com) Policy How the new Social Security tax deduction really works.

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The Big Picture

JUNE 23, 2025

Yet another extra special guest, Steve Lightly is global co-head of Bond ETFs and investment giant BlackRock. It’s sort of like math with dollar signs attached to it. So for sure, February, March, 2020, you know, even treasuries, high quality investment grade, you know, the whole thing e everything was seeing dislocation, right?

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WiserAdvisor

JUNE 27, 2025

They max out a 401(k), skim through Social Security rules, maybe even dabble in stocks, but when retirement day approaches, they realize their savings, insurance, or investment mix just doesn’t add up. And a tax-efficient withdrawal strategy that won’t sabotage your nest egg early. And invest in broad, long-term growth vehicles.

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The Big Picture

JANUARY 21, 2025

And I think you will also, if you are at all curious about estate planning or investing or personal finance, this is not the usual discussion and I think it’s very worthwhile for you to hear this and share it with friends and family. And one of the common conversations is, I have a client, he’s got millions of dollars invested.

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Random Roger's Retirement Planning

FEBRUARY 23, 2025

Do the math, it would be a fantastic long term result but very difficult to pull off. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Maybe the model providers don't really want their models to differentiate.

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The Big Picture

APRIL 8, 2025

Lisa Shallet, chief Investment Officer at Morgan Stanley has had a number of fascinating roles in Wall Street, which is kind of amusing considering she had no interest in working on Wall Street, and yet she was CEO and chairman at Sanford Bernstein. Because you were not just in the investing side, correct. As baby analysts.

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The Big Picture

JULY 15, 2025

My biggest client turned out to be the Merrill Lynch Investment Strategy Group. And so I just worked my way through Wall Street and, and eventually, you know, but if you had said to me when I graduated at Hamilton that I was gonna end up being the Chief Investment strategist at Merrill Lynch, I would’ve said, you’re crazy.

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Random Roger's Retirement Planning

APRIL 30, 2025

The less reliant a retirement plan is on an investment portfolio, the less need there is for flexibility. I say that because the math in most simulations and with several IRL clients, is they die with a lot of money leftover. But along these lines I recently talked about small inheritances covering the tax on Roth IRA conversions.

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WiserAdvisor

JUNE 26, 2025

Now, even if you adjust those future costs to present value (using a conservative 3% investment return), you’d still need nearly $395,000 in savings set aside today just to meet those expenses. Few vehicles offer this kind of triple tax advantage. So, before you mark your last day at work, make sure you’ve done the math on this piece.

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The Big Picture

MARCH 17, 2025

You sit in a room all day doing tax returns or something, it’s just not, you know, that it seemed antisocial. Wasn’t the Excel spreadsheet error, which changed their math. A massive buildup in military, you know, couple of huge tax cuts deficits were increasing, the debt was increasing very rapidly. I mean Yep.

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The Big Picture

JUNE 16, 2025

I wanna, I want to get into some of the details before we start talking about markets and investing. And so I was going to have to invest and save on my own account to accomplish that. And I discovered that when you’re writing about investing, one of the key subjects that you have to nail down is the history of finance.

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Carson Wealth

APRIL 28, 2025

Its not that weve never seen volatility before thats part and parcel of investing. Do you do any capex investments? The math is just Earnings * (Price / Earnings) = Price, since the Earnings parts cancel. Congress also provides a cushion for the economy by raising deficits even further via tax cuts.

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Random Roger's Retirement Planning

NOVEMBER 22, 2024

The way Portfolios 1 and 2 are weighted, the math works for being a 60/40 portfolio and then from there we add portable alpha/capital efficiency/return stacking. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

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Random Roger's Retirement Planning

FEBRUARY 10, 2025

Simple math, it looks like the carry index has compounded at less than 3%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. This next chart from Bloomberg compares just the carry component of the FOXY fund to the S&P 500 and T-Bills.

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Abnormal Returns

DECEMBER 8, 2024

tker.co) Strategy Four types of investment mistakes including 'Holding onto a loser for too long.' awealthofcommonsense.com) John Rekenthaler helped raise the bar for investment writing. on.ft.com) What it took to rebuild Notre Dame (nytimes.com) Budgeting The math on any additional tax cuts is tough.

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Marketing Marketing Budgeting Math 147

Random Roger's Retirement Planning

JULY 13, 2025

A couple making $100,000 has an effective tax rate per Gemini of just under 8%, then less another $7500+/- for the employee share of Social Security puts them at about $85,000. Hopefully they're saving a little bit, call it 10% or $10,000 and their net is $75,000 (a little more than that for the tax not owed on their 401k contributions).

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The Big Picture

APRIL 1, 2025

Pretending you written a I’m, I’ve just gotten how not to invest, and I assume I will find in this book a chapter about false prognostication. I, I love that Michael Lewis: It’s similar to, it’s similar to investing. Why isn’t anybody investing in it? Very similar. Why isn’t anybody here?

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The Big Picture

OCTOBER 20, 2023

“I need the US Dollar to be a store of value between the time I make it until I spend it, invest it, pay my taxes with it, or give it away. To be more precise, I want to discuss the type of chart that reflects a fundamental misunderstanding of the nature of money, currency, spending, investing, and taxes.

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Harness Wealth

MAY 12, 2025

Filing taxes in Vermont requires a clear understanding of the specific tax forms and regulations that apply within the state. Vermont, abbreviated as VT, has its own set of tax forms designed to address the unique tax laws and requirements for residents and non-residents alike.

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Abnormal Returns

SEPTEMBER 20, 2023

Home ownership How to make the math behind home ownership work (or not). redfin.com) Investing Jeffrey K. humbledollar.com) Trying to make up for past investing mistakes by taking on more risk is dangerous. humbledollar.com) Trying to make up for past investing mistakes by taking on more risk is dangerous.

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The Big Picture

MAY 9, 2024

Not if you spend tax season on a boat! TikTokInvestors: “Apart from his misleading arrogance and the inaccurate market statistics mentioned, a 401K is possibly the best investment vehicle for the average American. A good start would be eliminating all of the terrible FinTok advice on taxes, day trading and investing.

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Abnormal Returns

JUNE 19, 2024

Podcasts Barry Ritholtz talks with Jan van Eck about thematic investing. morningstar.com) On the math of early Social Security claiming. wealthmanagement.com) Taxes The traditional IRA looks less and less attractive. thinkadvisor.com) The interest rate the IRS charges on underpayment taxes is on the rise.

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Math Retirement Taxes Insurance 259

Abnormal Returns

APRIL 3, 2024

wired.com) Investing We are our own worst enemies when it comes to investing. awealthofcommonsense.com) On the math of a 0% line of credit. wsj.com) How do estimated taxes work? (apolloacademy.com) In praise of the Thumbtack app. realsmartica.com) Better investors make fewer decisions. abnormalreturns.com) FOMO is real.

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Math Financial Advisor Retirement Banking 262

Abnormal Returns

OCTOBER 18, 2023

Podcasts Peter Lazaroff on what constitutes 'evidence-based investing.' awealthofcommonsense.com) The math on downsizing your house isn't working as well these days. wsj.com) Taxes 14 common tax myths including 'You can write off lifestyle expenses if you are an influencer.'

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Insurance Math Retirement Taxes 264

Abnormal Returns

SEPTEMBER 18, 2023

standarddeviationspod.com) Michael Kitces talks with Jason Wenk, CEO of Altruist, about how he is trying to build an all-in-one investment OS. theirrelevantinvestor.com) Taxes Why clients need to start planning now for the coming dip in the estate tax exemption. thinkadvisor.com) The IRS is hitting pause on new ERC applications.

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Planning Financial Advice Wealth Management Math 264

Nerd's Eye View

JUNE 21, 2024

Also in industry news this week: A recent survey indicates that financial advisors continue to move towards ETFs and away from mutual funds when it comes to client portfolio recommendations, though a majority of advisors continue to see a role for active management in the investment management process A former employee has filed a lawsuit alleging (..)

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Financial Planner Financial Advisor Math Taxes 246

The Big Picture

FEBRUARY 17, 2023

Here’s your investing playbook. Wall Street Journal ) • From Math Camp to Handcuffs: FTX’s Downfall Was an Arc of Brotherhood and Betrayal : Gary Wang and Sam Bankman-Fried are offering dueling accounts of the FTX fiasco and of who’s ultimately to blame. Here’s your investing playbook. trillion in assets.

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The Big Picture

AUGUST 12, 2024

Too many of us adopt A self-assured, know-it-all persona because we know the investing public prefers that to learn the truth: nobody knows anything, and the future is inherently unknown and unknowable.

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The Big Picture

NOVEMBER 27, 2023

This is before we get to the issue of capital gains taxes, which create a hurdle of (minimum) 20% on those pesky profits just to get to breakeven. 3 Imagine a private placement memorandum seeking to raise money based on “ decades of honed instincts ” as an investment model. It’s utterly laughable. By Jeff Sommer New York Times, Nov.

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The Big Picture

FEBRUARY 10, 2023

Bloomberg ) • How Florida Beat New York : People are leaving superstar blue cities and moving to red states — its more than better weather ands lower taxes, its much cheaper housing costs. ( Businessweek ) • The Super Bowl’s Most Reliable Stock Market Indicator? technology into its search engine. ( Rieder helps to manage $2.5

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Random Roger's Retirement Planning

OCTOBER 26, 2024

First, is the math right based on my numbers? They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. If we guess just 2 billion people, and that is just a guess, and divide that into the 15.2 How can it solve anyone's problem?

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