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 60

Asset Allocation Math Portfolio Assets 60

Random Roger's Retirement Planning

APRIL 12, 2023

The Wall Street Journal had an article about the standard 60/40 portfolio , that is 60% allocated to stocks and 40% allocated to fixed income. My experience is that the typical retired person/couple expects growth in exchange for some volatility from the equity portion of their portfolio, they don't want it from their fixed income sleeve.

Portfolio 66

Portfolio Math Clients Retirement 66

Integrity Financial Planning

JANUARY 23, 2023

You might have a generic 60/40 portfolio that you expected to cover the rest of your income needs but that possibly needs updating after recent market activity. 3] So, it’s easy math: the less you work, the less you’ll earn. Regardless, Social Security can provide a helping hand with your income.

Retirement 89

Retirement Math Retirement Planning Financial Planning 89

Random Roger's Retirement Planning

DECEMBER 17, 2023

Do the bottom up work, it won't take long, to figure out some real numbers. Simple math is that this person needs to save $23/yr to come up with that additional $350,000. That's not a real number of course as you'd expect new contributions to also grow. But simple math tells you that adding $5000/yr likely won't cut it.

Retirement 68

Retirement Math Insurance Taxes 68

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% Portfolio 2 above has 65% in growth. in November.

Portfolio 58

Portfolio Math Assets Retirement 58

Steve Sanduski

AUGUST 4, 2022

Charles Schwab just released their 2022 RIA Benchmarking Study and I decided to crunch the numbers and see what the data shows. Crunch the Numbers. With a traditional 60/40 allocation, this portfolio would have grown about 75.5% For comparison, a passive 60/40 bond portfolio, as mentioned above, grew at a CAGR of 11.9%.

Math 52

Math Portfolio Numbers Distribution 52

The Big Picture

SEPTEMBER 19, 2023

Her job is portfolio and product solutions and that means she could go anywhere in the world and do anything. 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.

Assets 140

Assets Management Portfolio Investing 140

Clever Girl Finance

OCTOBER 20, 2022

Maintains a large number of readily-available, interested buyers. Figuring out how to calculate liquid net worth is as simple as doing a quick math equation: Liquid assets - liabilities = liquid net worth. Don't worry—there is an answer to the question, "What is my liquid net worth" that doesn't involve solving math equations.

Assets 59

Assets Accounting Math Portfolio 59

Random Roger's Retirement Planning

JULY 15, 2022

As a quick reminder, a 67% allocation to 90/60 generally equates to a 100% allocation to a 60/40 portfolio like you might get from Vanguard Balanced Index Fund (VBAIX). For this post I assembled a less dramatic portfolio more in line with Krom's thinking. and that is the number I will assume. or 110 basis points more than VBAIX.

Portfolio 46

Portfolio Math Numbers Marketing 46

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

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. We've also looked at countless ways to incorporate a small allocation to covered calls funds to help reduce portfolio volatility, so using them as alts in a matter of speaking. Covered call funds have many favorable attributes.

Math 57

Math Retirement Numbers Portfolio 57

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

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

Carson Wealth

MARCH 2, 2023

Run Your Numbers You need to get a handle on your various sources of income and where they are housed — as in, how easily you can access them when you need them. Cleaning up your balance sheet and erasing high-interest debt is essential to avoid putting excess strain on your portfolio. Contact us today.

Retirement 98

Retirement Taxes Financial Advisor Accounting 98

The Better Letter

DECEMBER 15, 2022

As I write this TBL, the S&P 500 is getting crushed and (using very rough numbers) is down 18 percent year-to-date. Based on the above, nobody should be surprised that 2022 looks like it will be the worst year for the classic 60:40 portfolio since 1937’s -22 percent. Using very rough long-term return numbers (9.5%

Investing 77

Investing Investments Portfolio Numbers 77

The Big Picture

SEPTEMBER 19, 2022

WENGER: No, we’ve definitely always been disciplined on valuation, and we’ve let a number of things go. We have a separate vehicle called the Opportunity Fund, where we sometimes write bigger checks into late-stage rounds in some of our portfolio companies, but not always. And sometimes you’re very happy at that.

Valuation 289

Valuation Investing Investments Engineering 289

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. Let’s put some numbers to this to explain why. The math on the 40% slice is much cleaner. Give it a watch.

Portfolio 86

Portfolio Math Assets Management 86

The Big Picture

JANUARY 24, 2023

I mean, those were the — that’s what got people all excited and — RITHOLTZ: That’s venture capital numbers. KLINSKY: Well, that is — and it was kind of venture capital numbers because the dollars were so small. RITHOLTZ: So it’s different math then I need 100x winner versus 99? RITHOLTZ: Right.

Investing 256

Investing Investments Numbers Banking 256

Random Roger's Retirement Planning

JULY 1, 2022

Here's a quote I saw attributed to Barry Ritholtz: “The Best Portfolio is probably the one which sacrifices a bit of performance, but helps you sleep at night.” Barry's quote reminded me of another influence on how I try to manage client portfolio volatility and why I use alts (yes, that conversation continues). Cannot be done?

Portfolio 40

Portfolio Math Management Clients 40

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

Brown Advisory

MAY 31, 2018

But the activity gap has narrowed over the past five years, and a growing number of startups, patent filings and VC dollars are now driven by Chinese innovation. 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.

Startup 52

Startup Math Clients Assets 52

Brown Advisory

MAY 31, 2018

But the activity gap has narrowed over the past five years, and a growing number of startups, patent filings and VC dollars are now driven by Chinese innovation. 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.

Startup 52

Startup Math Clients Assets 52

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

Zajac Group

AUGUST 11, 2022

Does it make sense for your total investment portfolio? If the math suggests buying additional shares is the best bet, it may seem like a no-brainer to do so. Bear that in mind as we walk through the numbers and theories involved. On that note, let’s wrap by describing the theory behind all the numbers just presented.

Taxes 52

Taxes Sales Numbers Investing 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

Aleph

NOVEMBER 1, 2022

There are a number of insurance companies running their stable value plans at durations higher than 5, and their ratio of market value to book value is near 85%. Typically only insiders understand them. She was wondering how the funds were doing given the rapid increase in interest rates. This is the toughest scenario for stable value funds.

Insurance 59

Insurance Assets Management Math 59

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

Mr. Money Mustache

MAY 20, 2022

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.). If you retire just BEFORE a big stock market crash, your first few months or years will drain your portfolio a bit more than you expected, until stock prices recover.

Marketing 57

Marketing Marketing Retirement Investing 57

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. What’s two plus two.

Investing 150

Investing Investments Portfolio Valuation 150

The Big Picture

AUGUST 29, 2023

And it worked out and had multiple job offers coming out of school from a number of different insurance companies. I had a number of relationships that I built up and had another job lined up in New York City. And I had an opportunity to be an underwriter for a few years before I decided to go back to school to get the MBA.

Portfolio 130

Portfolio Investing Investments Numbers 130

The Big Picture

OCTOBER 17, 2023

So I, I did a math degree at Oxford, which is more pure math. You know, pure math can be very theoretical and detached from the real world, and it’s getting worse. Graham Foster] : 00:02:54 That was a number, that was number theory, pure number theory. It gets further and further away the D P U go.

Investing 130

Investing Investments Clients Numbers 130

Clever Girl Finance

AUGUST 2, 2022

Some quick math for the value of your $10,000 after a certain number of years: 10 years: $20,000. Index funds are appealing to many investors because they expose you to a large number of stocks. For example, if you estimate your 401(k) will earn 7% returns annually, 72 divided by 7 = 10.29. 20 years: $40,000. 30 years: $80,000.

Education 59

Education Retirement Investing Investments 59

Clever Girl Finance

MARCH 6, 2023

Work as a grocery store cashier You could be a grocery store cashier if you're good with math and don't mind scanning coupons and small talk. You can charge based on the garage's square footage or the number of boxes you will need to go through. You can increase your investment portfolio to millionaire status sooner than you think.

Media 86

Media Accounting Banking Food 86

Clever Girl Finance

JANUARY 29, 2023

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. Staying away from debt is also encouraged so you can keep your net worth number positive. It also includes valuables like art or jewelry. Rowe Price.

Budgeting 114

Budgeting Retirement Assets Education 114

The Big Picture

MAY 30, 2023

Number one, a school district is a business. And number two, and I think that they were like, I’m sure there’s a note coming after this with a congressional allocation, and it never came. BRYANT: Number two, money is emotional. BRYANT: So money, unlike math, money is highly emotional. RITHOLTZ: Right.

Banking 140

Banking Economics Economy Business Planning 140

Carson Wealth

FEBRUARY 5, 2024

Of course, it’s one thing to get strong numbers, but it’s even better when the data are strong for the right reasons. It measures the number of people aged 25-54 who are employed, as a percent of the total number within this cohort that could potentially be employed. in inflation-adjusted terms in 2023.

Marketing 97

Marketing Marketing Economy Manufacturing 97

Good Financial Cents

DECEMBER 10, 2022

Ad Invest as little or as much as you want with a Robinhood portfolio. With Robinhood, you can build a balanced portfolio and trade stocks, ETFs and options as frequently as you want, commission-free. You can build a portfolio of slices of individual loans that represent various credit grades. Ads by Money. Ads by Money.

Risk Tolerance 111

Risk Tolerance Media Investing Investments 111