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 95

Math Education Management Taxes 95

Random Roger's Retirement Planning

APRIL 22, 2024

This blog has pretty much evolved into 100 ways to build a portfolio without bonds. 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. If the Fed itself can’t forecast rates, why would your financial advisers think they can?"

Marketing 87

Marketing Marketing Financial Advising Math 87

Random Roger's Retirement Planning

FEBRUARY 29, 2024

I've been saying meaningful yield without too much volatility is what investors hope the bond portion of their portfolio will give. The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. Taking volatility out of a fixed income portfolio is fairly simple.

Marketing 75

Marketing Marketing Math Portfolio 75

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 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 47

Retirement Math Management Taxes 47

Random Roger's Retirement Planning

FEBRUARY 6, 2024

I don't see the diversification benefit which as an ongoing theme forces us to think differently about how to build a 60/40 portfolio. It is important to understand the math though. No portfolio concept can always be best. Any valid idea you come up with for your portfolio will lag at times. That's a year to date chart.

Portfolio 64

Portfolio Math Management Investing 64

Random Roger's Retirement Planning

FEBRUARY 24, 2024

That is correct, technically but whatever you're looking for from REITs, or private equity or any of the others, you're not going to see it impact the portfolio as part of an index fund. Mistakes during those types of events are what managing portfolios is all about.

Math 72

Math Portfolio Marketing Marketing 72

Random Roger's Retirement Planning

FEBRUARY 1, 2024

Anything related to the Permanent Portfolio (portfolio devised by Harry Browne weighting 25% each to stocks, long bonds, cash and gold) or any of the Permanent Portfolio-inspired modern investment products are always fun to look at. I wanted to circle back to the ProShares S&P 500 High Income ETF (ISPY).

Portfolio 40

Portfolio Math Assets Taxes 40

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 59

Math Retirement Numbers Portfolio 59

The Big Picture

FEBRUARY 6, 2024

You wouldn’t be surprised to learn the tax consequences of owning a mutual fund is a part of it. If you’re at all interested in focused portfolios, the concept of quality as a sub-sector under value and just how you build a portfolio and a track record, that’s tough to beat. Really fascinating guy.

Valuation 130

Valuation Investing Investments Assets 130

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

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 143

Assets Management Portfolio Investing 143

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

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. Any medical debt, personal loans, or back taxes are also considered liabilities. The information here is just to guide you, not to set any rules.

Budgeting 114

Budgeting Retirement Assets Education 114

The Big Picture

MAY 9, 2023

So how do you then go from tax and audit practice to finance and investing? So I took it upon myself to go off and took a course in bond math, took another course in derivatives and realized the underlying fundamental concepts were barely, I mean, it wasn’t even high school math in most cases. Very different fields.

Assets 290

Assets Clients Investing Investments 290

Sara Grillo

MAY 8, 2023

They go crazy and paint it with BS statements like: Tax-free guaranteed income Can’t lose money asset Upside potential with downside protection Privatized banking Be your own bank Remember that there is a floor to the crediting rate, but that doesn’t mean you can’t lose money. Here’s why that stinks.

Insurance 59

Insurance Clients Financial Advisor Accounting 59

The Big Picture

AUGUST 29, 2023

So I came down, met with our head of the portfolio review department, which oversees our external managers, met with our head of brokerage, and then met with the head of bind indexing, who was Ken Volpert at the time. Also being cognizant of the tax implications of trading activity. And me and him had an instant connection.

Portfolio 130

Portfolio Investing Investments Numbers 130

Bell Investment Advisors

NOVEMBER 27, 2023

For example, those inheriting an IRA might be subject to the IRS’s 10-year rule, which imposes stiff tax penalties on certain beneficiaries who fail to withdraw the full balance of the account within a decade of the original owner’s passing. Another factor to consider is the concept of Separate Property. But so do opportunities.

Accounting 52

Accounting Distribution Investment Advisor Taxes 52

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: Yes.

Banking 198

Banking Government Insurance Taxes 198

Sara Grillo

MAY 16, 2022

They charge $495 per month for on-going investment management, retirement planning and financial advice as-needed. It is important to note that this would only be a low cost option for larger portfolios. But, let’s say you had a much smaller portfolio. Retirement Portfolio Partners. Sensible Portfolios.

Financial Advisor 52

Financial Advisor Financial Advice Financial Planner Assets 52

The Big Picture

JANUARY 24, 2023

I will say when there were fewer firms, I was effectively — there had Ted and Nick Forstmann, Brian little had retired from the firm. RITHOLTZ: So it’s different math then I need 100x winner versus 99? I don’t have — coming from a family business, we say we don’t have portfolio theory.

Investing 259

Investing Investments Numbers Banking 259

The Big Picture

SEPTEMBER 12, 2022

I — I loved math, but really, I was going to go down that literature route more than anything else and — and study Spanish literature. there’s a big focus on how do we optimize for tax efficiency, too. It’s different wealth regimes, it’s different tax regimes. RITHOLTZ: Applied Mathematics, Quants, those guys, yeah.

Clients 290

Clients Wealth Management Investing Investments 290

The Big Picture

AUGUST 15, 2023

That’s a really easy portfolio to create. It allows you to understand, generally speaking, what is a reasonable beta for that whole portfolio. By the time I got there in ’92, they had a great venture portfolio and almost nobody else even understood what venture capital was. That allows you to do two things.

Management 130

Management Investing Investments Government 130

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. You have the liquidity, the tax efficiency, the transparency. BERRUGA: Yeah.

Clients 154

Clients Investing Investments Management 154

The Big Picture

MARCH 27, 2023

She was a partner and a portfolio manager at Canyon Capital, a firm that runs currently about $25 billion. So you retire in 2018. But it’s interesting that you really can pinpoint the difference in return because there’s this sort of impatient or overzealousness in trading your portfolio. MIELLE: So there you go.

Assets 277

Assets Investing Investments Management 277

The Big Picture

MARCH 21, 2023

You’re accidentally waiting into yet another quant controversy, whether you need both these characteristics in every stock, or whether you can have some stocks that are great on one and simply average on the other and the portfolio comes out. I was a fixed income portfolio manager and trader, which is a ton of fun.

Valuation 164

Valuation Investing Investments Numbers 164

The Big Picture

JUNE 20, 2023

MORGENSON: And so you have pensioners at Bristol-Myers or Lockheed or Coors is another who are really relying on private equity to do the right thing for their pensions going forward, for their retirement, for their payouts when they need them. MORGENSON: And so, he buys this portfolio of junk bonds. Or does that happen?

Insurance 143

Insurance Healthcare Retail Medicine 143

Good Financial Cents

APRIL 19, 2023

Earn Passive Income in Real Estate Low minimum investment – $10 Diversified real estate portfolio Portfolio Transparency > Skip to the Passive Income Ideas What is Passive Income? The idea of passive income is to supplement, augment or get you out of your job so you can retire, travel, or spend more time with loved ones.

Accounting 105

Accounting Investing Investments Media 105

The Big Picture

NOVEMBER 15, 2022

Let Mr. Market do his thing and we’ll find out how we did when we get ready to retire. The academic side of how to build a portfolio, we can argue about the details, right? As an advisor, you could get somebody’s model portfolio, or you could hire some, you know, three CFAs and do it yourself. NADIG: Yeah.

Management 270

Management Assets Portfolio Investing 270

The Big Picture

AUGUST 23, 2022

So, I did the math, 20 million times a hundred. So, let me just repeat the math. And so, again, I went through this simple math. The currency devalued by 75 percent and my portfolio, which was above $1 billion, went down 90 percent. And this had an unbelievably positive affect on the value of my portfolio.

Government 315

Government Banking Numbers Investing 315

The Big Picture

AUGUST 22, 2023

I went there because I was fearful that being a professor would be like retiring in your 20s. SUNSTEIN: Yeah, we probably need a progressive income tax or something and jobs programs and educational opportunity. SUNSTEIN: But by tradition, it is not just a lackey. And then, as you say, I went to the University of Chicago.

Economics 245

Economics Media Government Numbers 245