Million Dollar Round Table (MDRT)

MAY 28, 2024

Some of these relationships are with people who want to retire or who are already retired. Math has no emotion, but people do. Mindsets People who are comfortable in their own skin seem to adapt best to retirement. Most of us can figure the rate of return on money. But the higher up a person has gone, the harder it is.

Retirement 71

Retirement Math Financial Advisor Clients 71

Carson Wealth

FEBRUARY 22, 2023

Optimizing your 401(k) is a mix of planning, saving for the future and self-awareness, but it’s simpler than you think. Let’s look at a few 401(k) planning basics to get you started.  1.  Understand Your Plan The best kind of money isn’t old, new or even tax-advantaged – it’s  free  money! Not an Afterthought Life gets busy.

Retirement 98

Retirement Taxes Planning Math 98

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

Random Roger's Retirement Planning

NOVEMBER 6, 2023

It's been a while since this sort of thing was relevant for my day job so something could have changed, weeklies didn't exist for example, but if my math is correct then it was way over exposed which would account for last week's decline in the fund price. Please leave a comment if I did the work incorrectly.

Math 92

Math Education Management Taxes 92

Random Roger's Retirement Planning

DECEMBER 17, 2023

Yahoo warned of potential problems retirees may face if their plan is to rely solely on Social Security. Simple math is that this person needs to save $23/yr to come up with that additional $350,000. But simple math tells you that adding $5000/yr likely won't cut it. 5000 per for 15 years is $75,000.

Retirement 68

Retirement Math Insurance Taxes 68

Yardley Wealth Management

OCTOBER 26, 2020

Social Security Retirement Planning . While there always seems to be a future funding shortfall for Social Security, it’s a political problem, not a math problem. Please contact us if you’d like to discuss your financial plan. Our law firm is Yardley Estate Planning, LLC , and is in the same place.

Wealth Management 52

Wealth Management Estate Planning Financial Planning Retirement Planning 52

Carson Wealth

MARCH 2, 2023

After you’ve done this math, you might be wondering if you have “enough,” and certainly that’s hard to assess when there are so many unknowns. Having a plan in place before you retire can be key to a successful experience. And some may confidently decide they are equipped to retire early, which is delightful.

Retirement 98

Retirement Taxes Financial Advisor Accounting 98

Random Roger's Retirement Planning

APRIL 22, 2024

The article devoted a good amount of space to bond market math, focusing on the pain of owning the iShares 20+ Year Treasury ETF (TLT) and bond funds in general. I've been like a broken record for years on the need to avoid bonds that have any sort of duration or at least be extremely underweight duration versus the typical benchmarks.

Marketing 84

Marketing Marketing Financial Advising Math 84

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. A 25% allocation to equities for someone who needs equity market growth for their plan to work won't get it done. 75/50 seeks to capture 75% of the upside with only 50% of the downside.

Asset Allocation 60

Asset Allocation Math Portfolio Assets 60

Random Roger's Retirement Planning

JUNE 22, 2023

And then just a little math, the "guarantee" based on the 50/50 allocation would be 2.5% If you're trying to do something as simple as 50% in T-bills now yielding 5% and one equity proxy, don't make that one equity proxy a narrow bet like tech stocks. SSO is 2X S&P 500 and SPHB is the Invesco S&P 500 High Beta ETF.

Math 59

Math Portfolio Investing Investments 59

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 diversification benefits of intermediate and longer term bonds is not what it used to be. Taking volatility out of a fixed income portfolio is fairly simple.

Marketing 73

Marketing Marketing Math Portfolio 73

Random Roger's Retirement Planning

FEBRUARY 6, 2024

Assuming a "normal" exposure to equities is appropriate for the end user, the majority of the portfolio would be in plan vanilla equities whether that means one or two broad based index funds or a narrow based portfolio comprised of individual stocks and narrow based sector/industry ETFs. It is important to understand the math though.

Portfolio 62

Portfolio Math Management Investing 62

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. Don’t rule it out because of a math equation.

Assets 77

Assets Numbers Math Retirement 77

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. About 40 years ago employers started to pivot away from pensions to 401k, they started to pivot away from defined benefit plans to defined contribution plans. Problems have been long in the making and seem to have gotten worse.

Retirement 46

Retirement Math Management Taxes 46

Random Roger's Retirement Planning

FEBRUARY 4, 2024

I've referred to my day job in this context to say that I don't plan to really retire from but at some age, 60 (very unlikely), 70 (probably not), 75 (maybe), people will probably not want to work with me for thinking I am too old. Some people need a second act that pays in order to make their retirement math work.

Retirement 40

Retirement Math Government Taxes 40

Random Roger's Retirement Planning

FEBRUARY 24, 2024

In the case of real estate a 2.29% weighting and for "private equity" companies it's about 17 basis points (looked at XLF holdings and then did a little math), that's just not going to move the needle. You may agree with Jack about not needing those things, that's valid, my point is that owning an index fund isn't a proxy for them.

Math 70

Math Portfolio Marketing Marketing 70

Random Roger's Retirement Planning

NOVEMBER 19, 2023

Part of the math that determines options premiums is the risk free rate of return from T-bills. Building a plan based on assuming an 11% payout forever is really going to hurt this guy if that is what he is saying. Keeping up with the broad stock market is not one of them. Assuming an 11% payout in perpetuity is a very bad idea.

Retirement 67

Retirement Accounting Math Healthcare 67

Random Roger's Retirement Planning

FEBRUARY 1, 2024

I would still plan on reinvesting all or most of the dividend. The 75/50 captures 75% of the upside with only 50% of the downside, the math on that works out favorably over the long term. The fund is about to go ex-dividend for its first payout. A rep from the company said they think the payout will annualize out to 10-12%.

Portfolio 40

Portfolio Math Assets Taxes 40

Midstream Marketing

SEPTEMBER 24, 2019

As a financial advisor or other investment professional, you’re no doubt already well aware that the “math” side of the conversation is a large part of what your clients need help with every day. Investment Planning. Retirement Planning. Self Employed Plan Contribution. Beneficiary RMD Calculator.

Financial Advisor 52

Financial Advisor Retirement Planning Retirement Planning 52

Random Roger's Retirement Planning

OCTOBER 29, 2023

The various plans available where I live are not cheaper despite having high deductibles, so we haven’t contributed for a while. Yeah, that sounds pretty good (giving them the benefit of the doubt about the math)… pretty good for an equity. The 30-year Treasuries would gain nearly 13% over 12 months with a 0.5-point

Insurance 75

Insurance Clients Math Portfolio 75

Sara Grillo

MAY 16, 2022

Although the cost of financial advice has come done somewhat from past years, investment management and financial planning are still ludicrously expensive. Abundo provides flat fee financial planning. Services provided include investment management and financial planning. Tides are changing! Can I get a whoo hoo on that?

Financial Advisor 52

Financial Advisor Financial Advice Financial Planner Assets 52

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. Building a plan based on assuming an 11% payout forever is really going to hurt this guy if that is what he is saying. Keeping up with the broad stock market is not one of them. Assuming an 11% payout in perpetuity is a very bad idea.

Math 57

Math Retirement Numbers Portfolio 57

Good Financial Cents

JULY 3, 2023

Calculation Breakdown Let’s break down the math to find out how much you could earn annually with a $30 hourly wage: Consider an average workweek of 40 hours and an average year consisting of 52 weeks. So, while your daily earnings may hover around two hundred bucks a day, don’t forget to plan for those no-pay-off days.

Budgeting 72

Budgeting Taxes Numbers Retirement 72

Random Roger's Retirement Planning

APRIL 12, 2023

If the math is not clear on the 80/20 looking like 60% equities, the allocation is 80% plain vanilla equity and then subtract the 20% in the inverse fund which gets to a 60% net equity exposure.

Portfolio 66

Portfolio Math Clients Retirement 66

Random Roger's Retirement Planning

OCTOBER 9, 2022

If you do the math, that yields a better long term result in nominal terms and also in risk adjusted terms. He popped up ten or so years later writing occasionally at the old Index Universe website which later became ETF.com. 75/50 targets 75% of the upside and 50% of the downside.

Portfolio 70

Portfolio Math Clients Management 70

Clever Girl Finance

DECEMBER 16, 2023

If you’ve attempted to make a budget in the past and “failed” due to budget challenges , maybe it’s time to rethink your plan. If you’d like an even more streamlined budget plan, you could check out the 80/20 budget and apply it to your budget instead.) With this budget, you plan to save 20% of your total income. That’s it. (If

Budgeting 72

Budgeting Retirement Accounting Taxes 72

Random Roger's Retirement Planning

NOVEMBER 21, 2023

So using simple math, the total return is 34% versus 72% for the common. Based on an initial price for NVDY of $20, the $4.53 adds another 22.5% to the total return for anyone who bought when the fund first listed in May and just held on. We've talked some about covered calls lately.

Portfolio 72

Portfolio Asset Allocation Math Compliance 72

Random Roger's Retirement Planning

MARCH 20, 2023

The way the math works, a 67% allocation to NTSX (Portfolio 2 with 33% in the T-bill ETF) equals 100% in Vanguard Balanced Index Fund (VBAIX) which is a proxy for 60/40 and Portfolio 3. It's not that leverage on its face must be bad but at the heart of many capital market calamities has been the misuse of leverage.

Assets 57

Assets Portfolio Math Management 57

Random Roger's Retirement Planning

MAY 18, 2023

If it is going to happen, it won't be for ten years +/-, plenty of time to factor that into your math. There is simply no way that a cut in Social Security payouts should catch anyone off guard.

Retirement 72

Retirement Wealth Advisor Math Medical 72

Random Roger's Retirement Planning

JUNE 3, 2023

It is generally accepted that the various ideas around extending the retirement age and increasing taxes would solve much of the problem. The last sentence is about the math involved not about the right and wrong of any of it which we'll get to. Now comes the grim numbers about how much we have collectively saved for retirement.

Retirement 52

Retirement Taxes Math Accounting 52

Random Roger's Retirement Planning

AUGUST 17, 2023

In my opinion the diversification benefit hits diminishing returns pretty close to 40 individual holdings based on math if nothing else. Own however many you want of course but the nuisance factor probably starts not much past 30 on the way up. If a portfolio starts with 40 holdings each with an equal 2.5%

Numbers 60

Numbers Portfolio Math Portfolio Management 60

Random Roger's Retirement Planning

JULY 17, 2022

There's other math about outperformance but also the observation that momentum is prone to crashes. They said they were impressed by the backtest and the thought process underlying the strategy and shared this link to a short paper by Larry Swedroe posted on the Alpha Architect website.

Math 90

Math Marketing Marketing 90

Darrow Wealth Management

OCTOBER 1, 2022

However, if the goal is to pay off a mortgage before retirement to spend would-be mortgage payments on other things during retirement, the math may not work out. For one, any savings from retiring home debt is a one-time savings (the interest expense).

Retirement 82

Retirement Taxes Math Wealth Management 82

Random Roger's Retirement Planning

JUNE 29, 2022

Turns out the math checks out using Vanguard Balanced Index Fund (VBAIX) which is a proxy for a 60/40 equities/fixed income portfolio and the Guggenheim Managed Futures Strategy Fund (RYMFX). A 20% allocation to the average systematic trend fund in a 60/40 portfolio would have resulted in an annual drag of about 1.45 percentage points.

Math 40

Math Portfolio Clients Management 40

Random Roger's Retirement Planning

JULY 1, 2022

We dove in on the math at my old URL (sad story, no longer exists) and the math checks out. A long time ago I wrote about a portfolio concept derived by John Serrapere called 75/50. The basic idea was to construct a portfolio that captured 75% of the upside of the stock market but only 50% of the downside.

Portfolio 40

Portfolio Math Management Clients 40

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. The WisdomTree US Efficient Core Fund (NTSX) is an easy example for understanding the concept. It invests 90% in stocks and leverages up to get 60% in fixed income.

Portfolio 40

Portfolio Math Management Investing 40

Random Roger's Retirement Planning

DECEMBER 10, 2023

As a matter of math, it cannot repeat the run from 8.5% Since it only goes back to 1988 it doesn't track from the highest interest rates from earlier in the 80's, the ten year was at 8.5% when the chart starts, down to 1.09% per Yahoo, after bottoming out in the neighborhood of 0.50%. Barron's also noted that 60/40 was up 9.6% in November.

Portfolio 58

Portfolio Math Assets Retirement 58