Integrity Financial Planning

JULY 6, 2022

Having an income plan is key for your retirement planning. Is an annuity something you should consider as a part of your retirement plan and a way to protect what you have? It’s important to have the right strategy in place when it comes to taking out your retirement income.

Retirement 95

Retirement Retirement Planning Math Financial Planning 95

Random Roger's Retirement Planning

JANUARY 6, 2025

If that money is in an IRA, that is going to change your math considerably due to having to withdraw all of that inherited IRA within 10 years. Maybe you have very few moving parts or have many more moving parts but it is important to realize that no one's retirement plan will be done in by everything going exactly as planned.

Retirement 52

Retirement Retirement Planning Insurance Medical 52

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 105

Math Education Management Accounting 105

Integrity Financial Planning

JANUARY 23, 2023

3] So, it’s easy math: the less you work, the less you’ll earn. Next, try to hold off on filing for Social Security benefits until you reach full retirement age. Lastly, it is crucial that individuals planning to earn Social Security monitor their earnings and check for mistakes once enrolled.

Retirement 89

Retirement Math Retirement Planning Planning 89

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 99

Retirement Math Financial Advisor Clients 99

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. Eric Balchunas from Bloomberg was baffled because the 1x version only has $60 million in AUM and trades about $1 million per day.

Math 52

Math Portfolio Retail Clients 52

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. YSPY sells put spreads on a 3x fund. Oddly, the fund page no longer mentioned targeting a 2x outcome, it appears to now say 3x.

Marketing 52

Marketing Marketing Math Portfolio 52

Yardley Wealth Management

JULY 20, 2022

James and Pamela’s Big Dream Excerpt from The Smart Person’s Guide to Financial Planning & Investments: A Simple and Straightforward Approach to Understanding Your Personal Finances By Michael J. Their retirement plan is strong, their kids are independent, and they are debt-free. So—problem solved, right? Well, actually, no.

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

FMG

JUNE 13, 2025

One advisor noted that these events draw not only current clients but also curious prospects who are actively exploring retirement planning options. Tax Strategy Workshops Workshops like “Creating Tax Efficient Retirement Strategies” attract attendees who are serious about their financial future.

Education 52

Education Food Clients Retirement 52

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. Maybe the model providers don't really want their models to differentiate. Something like a 75/50 portfolio might fit in the discussion of endowment style. 75/50 seeks to capture 75% of the market's upside with only half the downside.

Portfolio 52

Portfolio Math Taxes Marketing 52

Carson Wealth

FEBRUARY 22, 2023

The importance of compounding interest can’t be emphasized enough.  Let’s say I have $100,000 in my retirement fund and I make 5% interest. The math, despite Einstein’s interpretation, is really fairly simple. Then I have $105,000 gathering 5% interest in my account, and the next year I make $5,250.

Retirement 98

Retirement Taxes Planning Math 98

Harness Wealth

APRIL 30, 2025

Self-employment tax calculations and considerations When examining the math behind self-employment taxes , the total 15.3% Self-employed individuals enjoy unique advantages when it comes to health insurance and retirement planning. rate is comprised of two components: 12.4% for Medicare, which has no earnings cap.

Taxes 52

Taxes Tax Planning Compliance Planning 52

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 74

Math Portfolio Investing Investments 74

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. As I read the FT article, I had a thought about how to try to make the fund work as part of diversified portfolio, not the entire portfolio.

Portfolio 52

Portfolio Math Assets Clients 52

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 95

Marketing Marketing Math Portfolio 95

Random Roger's Retirement Planning

FEBRUARY 10, 2025

Simple math, it looks like the carry index has compounded at less than 3%. This next chart from Bloomberg compares just the carry component of the FOXY fund to the S&P 500 and T-Bills. The black line for carry looks like it is somewhat uncorrelated which is different than negatively correlated. The red line for T-bills is price only.

Math 52

Math Management Portfolio Taxes 52

Clever Girl Finance

APRIL 22, 2025

If you’re good with math, then turning to financial planning or accounting or opening up a similar company could be one of the best recession proof businesses to start! Financial planning services Financial advisors and planners are essential, especially during times of economic uncertainty.

Economy 69

Economy Food Healthcare Economics 69

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 98

Marketing Marketing Financial Advising Math 98

Random Roger's Retirement Planning

JUNE 30, 2024

A harsh reality is that $50,000 is not a retirement fund but it is a pretty robust emergency fund. We've gone over the math before that starting as late as 55 can catch a lot of the way up if they can afford to save a very high percentage of their income.

Retirement 75

Retirement Math Taxes Accounting 75

Random Roger's Retirement Planning

DECEMBER 15, 2024

Generally they all plan to work to 70 or beyond out of necessity. There was an odd and I believe inaccurate emphasis on workplace retirement plans pivoting from defined benefit plans (pensions) to defined contribution plans (401k) starting around the turn of the century. That is Rooster. Rooster loves duck toys.

Retirement 52

Retirement Retirement Planning Numbers Planning 52

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. The post Worried about your future Social Security benefits?

Wealth Management 52

Wealth Management Estate Planning Financial Planning Retirement Planning 52

Random Roger's Retirement Planning

DECEMBER 17, 2023

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. That implies needing to accumulate an additional $350,000 on top of the $200k that we are assuming grows to $400k. 5000 per for 15 years is $75,000.

Retirement 75

Retirement Math Insurance Accounting 75

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 105

Retirement Taxes Math CFP 105

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. He makes a good point about not relying solely on math to assess markets and portfolio construction, that the psychology of markets is important too. 75/50 seeks to capture 75% of the upside with only 50% of the downside.

Asset Allocation 74

Asset Allocation Math Portfolio Assets 74

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 75

Portfolio Math Clients Management 75

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 98

Math Marketing Marketing 98

Random Roger's Retirement Planning

JUNE 3, 2024

I haven't seen too many scenarios where Roth conversions were optimal as most people don't earn more after they retire. Do the math on your particulars like what your various sources of earned income will likely be, how much your RMDs will likely be and so on. I'm paraphrasing Slott.

Numbers 98

Numbers Taxes Retirement Accounting 98

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 75

Math Portfolio Marketing Marketing 75

Trade Brains

DECEMBER 7, 2023

The topics covered are personal finance math, retirement problems, introduction to mutual funds, the concept of fund & NAV, equity schemes, debt funds, investing in bonds, index funds, rolling returns, Exchange-traded funds(ETF) and basics of macroeconomics. You can enroll in the course here.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

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 74

Assets Portfolio Math Management 74

Random Roger's Retirement Planning

JULY 27, 2022

In terms of complexity, several of the funds blend together multiple complex strategies and the blend itself is complex in terms of the math applied and the outcomes sought, they are complex-complexity. I do not know if his life circumstance is such where a game over approach is appropriate.

Portfolio 96

Portfolio Clients Assets Math 96

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. Retirement Planning. Retirement planning is a very precise process, and one that is unique to the individual.

Financial Advisor 52

Financial Advisor Retirement Planning Retirement Planning 52

Random Roger's Retirement Planning

AUGUST 1, 2024

Despite the leveraged semiconductor ETFs, when blended with USMV, the portfolio is underweight technology versus the S&P 500 using simple math, it works out to about 26% versus closer to 40% for the S&P 500. Consider the following two portfolios.

Math 52

Math Portfolio Accounting Taxes 52

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 75

Retirement Wealth Advisor Math Medical 75

Random Roger's Retirement Planning

SEPTEMBER 29, 2024

The math is only off by a shade using leverage via UST and a little bit of SSO, remember RPAR is leveraged. I find this to be interesting but anyone needing normal stock market growth in order for their retirement plan to work, probably isn't going to get it from any of these portfolios.

Portfolio 52

Portfolio Assets Management Math 52

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 75

Portfolio Asset Allocation Math Management 75

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. So that's quite a bit to chew on even if it isn't a new idea.

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Retirement Math Management Planning 66