Integrity Financial Planning

JULY 6, 2022

When taking out your retirement income, it’s important to consider the source. New statements may make it easier to see what you have, but what should you focus on when making a retirement income plan? Having an income plan is key for your retirement planning. Look at the math to understand and believe it.

Retirement 95

Retirement Retirement Planning Math Financial Planning 95

Million Dollar Round Table (MDRT)

MAY 28, 2024

Scott Brennan The difficult part of retirement for a lot of successful people isn’t about the money; it’s about the perceived loss of importance. Some of these relationships are with people who want to retire or who are already retired. Math has no emotion, but people do. It’s a blow to their ego.

Retirement 98

Retirement Math Financial Advisor Clients 98

Darrow Wealth Management

OCTOBER 1, 2022

Is retiring with a mortgage a good idea? Retiring with a mortgage doesn’t typically pose a financial risk, and at times it’s the best financial decision. But paying off a mortgage before retirement has upsides also. Here’s when it may – and may not – make sense to pay off a mortgage before retiring.

Retirement 105

Retirement Taxes Math CFP 105

Random Roger's Retirement Planning

OCTOBER 26, 2024

First, is the math right based on my numbers? If we guess just 2 billion people, and that is just a guess, and divide that into the 15.2 million Bitcoin, I think that works out to just under 1/100th of a Bitcoin per person, which works out to less than $100 per person at the current price. How can it solve anyone's problem?

Math 52

Math Portfolio Numbers Taxes 52

Random Roger's Retirement Planning

DECEMBER 17, 2023

change at retirement. Hopefully a mortgage is paid off, hopefully there are no car payments to make and health insurance at 65, if retired, should go down quite a bit on Medicare, especially if income goes way down. Once someone is retired, saving for retirement is one less expense too.

Retirement 75

Retirement Math Insurance Accounting 75

Integrity Financial Planning

JANUARY 23, 2023

For most, Social Security provides a solid foundation for retirement income. As you grow older and retirement looms on the horizon, the decisions you make start to have a more crucial impact on the amount of money you receive, so it’s important that you know what to expect.

Retirement 89

Retirement Math Retirement Planning Planning 89

Carson Wealth

FEBRUARY 22, 2023

Matt Kory, Vice President, Retirement Programs As a retirement income vehicle, the 401(k) is second in popularity only to Social Security – and as CNBC reported in 2019 the number of 401(k) millionaires is at an all-time high. But is a million dollars even enough for your retirement needs? Just think of the numbers.

Retirement 98

Retirement Taxes Planning Math 98

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 think about their life expectancy (never fun, but a necessary part of retirement planning).

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

Random Roger's Retirement Planning

JUNE 30, 2024

The latest retirement disaster article from Yahoo focuses on 55 year olds who have a "median savings of less than $50,000." Yahoo says it's "bleak" because this cohort is "only about a decade from retiring." A harsh reality is that $50,000 is not a retirement fund but it is a pretty robust emergency fund.

Retirement 75

Retirement Math Taxes Accounting 75

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

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. How much are you likely to end up with in your retirement accounts?

Numbers 98

Numbers Taxes Retirement Accounting 98

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

Clever Girl Finance

APRIL 22, 2025

Demand is likely to continue as more and more people in the Boomer generation reach retirement. 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!

Economy 69

Economy Food Healthcare Economics 69

Random Roger's Retirement Planning

MAY 18, 2023

Bloomberg did a survey and found that Generation-X does not feel like it will be "financially prepared for retirement." Anyone closer to the younger edge of Gen-X could probably benefit by cutting expenses now, the impact of that could compound over the next 20+ years as they approach a normal retirement age.

Retirement 75

Retirement Wealth Advisor Math Medical 75

Random Roger's Retirement Planning

DECEMBER 15, 2024

Bloomberg had an article titled As Gen-X Nears Retirement, Many Fear They Can't Afford It-Now or Ever. Generally they all plan to work to 70 or beyond out of necessity. You're gonna want to retire some day and your 401k is how do it. The article profiled a half dozen Gen-Xers ranging from 45-60. Probably not. Probably so.

Retirement 52

Retirement Retirement Planning Numbers Planning 52

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

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.

Math 52

Math Portfolio Taxes Marketing 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. 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.

Retirement 66

Retirement Math Management Taxes 66

Yardley Wealth Management

OCTOBER 26, 2020

Social Security Retirement Planning . You really do get the extra 8% per year after you’ve reached your full retirement age. For most people, Social Security benefits make up a sizable percentage of their retirement income. Please contact us if you’d like to discuss your financial plan.

Wealth Management 52

Wealth Management Estate Planning Financial Planning Retirement Planning 52

Trade Brains

DECEMBER 7, 2023

Also, you will learn how to plan your taxes, credit score importance and how to budget your income to create a portfolio. By enrolling in this course you will learn to manage your finances more effectively by mastering budgeting and portfolio creating for a healthy retirement corpus. You can enroll in the course here.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

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

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 Investments Investing 74

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

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

Clever Girl Finance

DECEMBER 16, 2023

Once you know your weekly or monthly income, you can do the simple math of calculating how much 70% would be. We all need an emergency fund, and to save more long-term (think: retirement). Don’t put it into a retirement account where you won’t be able to get the money out for years.) Consider some of these ways to save.

Budgeting 98

Budgeting Retirement Accounting Taxes 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 98

Marketing Marketing Financial Advising Math 98

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

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 74

Math Retirement Numbers Portfolio 74

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. Let’s do math again! Retirement/Savings $832.00 . $30 an Hour Is How Much a Year? Utilities $300.00 Groceries $300.00

Budgeting 73

Budgeting Taxes Numbers Retirement 73

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

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

SEPTEMBER 6, 2024

Barron's dusted off the retirement bucket playbook in an article while also arguing that a 5% withdrawal rate in retirement can now be considered safe versus the more common 4%. The way the math works out, 4% has a success rate in the low 90's based on simulations and has never failed looking backward. Always read the comments.

Retirement 45

Retirement Math Portfolio Investments 45

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

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

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

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