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

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.

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Retirement Math Retirement Planning Financial 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

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 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.

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Math Education Management Taxes 97

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.

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Retirement Wealth Advisor Math Medical 74

Random Roger's Retirement Planning

FEBRUARY 4, 2024

Today's post will look at a couple of different retirement articles that I stumbled into this weekend. The Economist posted an opinion piece titled Why You Should Never Retire that I found via a Thread from Unusual Whales. I don't think that everyone loses purpose by retiring or otherwise moving on to a new chapter.

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Retirement Math Government Taxes 40

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.

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Wealth Management Estate Planning Financial Planning Retirement Planning 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.

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Retirement Math Management Taxes 47

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.

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Marketing Marketing Financial Advising Math 88

Nerd's Eye View

APRIL 12, 2023

When planning for retirement, it’s effectively impossible to precisely forecast the performance and timing of future investment returns, which in turn makes it challenging to accurately predict a plan’s success or failure.

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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.

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Marketing Marketing Math Portfolio 77

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.

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Math Portfolio Investing Investments 62

Random Roger's Retirement Planning

APRIL 12, 2023

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. The presence of lower yields, that yes kept going lower, turned bonds, as opposed to bills and some notes, into equity beta.

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Portfolio Math Clients Retirement 69

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.

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Math Retirement Numbers Portfolio 60

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.

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Math Portfolio Marketing Marketing 72

Random Roger's Retirement Planning

DECEMBER 10, 2023

There was a lot of content from various places over the weekend about whether it is time to go back into bonds, what retired investors should do for yield and even whether retirees are better off going 100% into equities. As a matter of math, it cannot repeat the run from 8.5% Barron's also noted that 60/40 was up 9.6% in November.

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Portfolio Math Assets Retirement 61

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

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.

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Asset Allocation Math Portfolio Assets 63

Random Roger's Retirement Planning

FEBRUARY 6, 2024

It is important to understand the math though. Then a small slice into one or two holding you believe to be reliably negatively correlated to equities. I think managed futures are pretty good at this as just one example. If you put 80% into an S&P 500 fund and 20% into an inverse fund, then your net long exposure is 60%.

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Portfolio Math Management Investing 65

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.

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Portfolio Math Clients Management 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.

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Portfolio Asset Allocation Math Compliance 74

Random Roger's Retirement Planning

FEBRUARY 1, 2024

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. If it can deliver on being a less volatile proxy for the S&P 500, while tracking closer to the index than XYLD, how should we define success? I have 75/50 in mind as sort of a benchmark.

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Portfolio Math Assets Taxes 40

Random Roger's Retirement Planning

OCTOBER 29, 2023

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 point drop in yields, based on current levels, but the bonds would lose less than 3%, including interest, if rates rose by a half-point.

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Insurance Clients Math Portfolio 80

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.

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Assets Portfolio Math Management 61

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%

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Numbers Portfolio Math Portfolio Management 64

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.

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Math Marketing Marketing 94

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.

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Portfolio Math Management Investing 40

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.

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Portfolio Clients Assets Math 78

Random Roger's Retirement Planning

JULY 15, 2022

The math shows the NTSX/ARBIX/BTAL combo would be down 14.7% If NTSX was up 32%, VBAIX would have been up 21.8% and that is the number I will assume. For the period studied the NTSX/ARBIX/BTAL combo weighted as mentioned above was up 22.9% or 110 basis points more than VBAIX. Here's the YTD chart for the same mix.

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Portfolio Math Numbers Marketing 48

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. million to retire confidently.

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Assets Numbers Math Retirement 77

Random Roger's Retirement Planning

JUNE 27, 2022

This year, VBINX is down 18% while NTSX is down almost 24%, the math appears to check out. If an investor had $100,000 to invest, they could put $67,000 into NTSX and capture $100,000 worth of the Vanguard Balanced Index Fund (VBINX) which is a benchmark fund for a 60/40 allocation. Does it do what it's supposed to?

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Portfolio Math Management Investing 40

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.

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Budgeting Retirement Accounting Taxes 72

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

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Budgeting Taxes Numbers Retirement 72

Random Roger's Retirement Planning

JUNE 3, 2023

One is that a politician who votes to cut benefits or raise the retirement age will probably lose some voter support. Keep in mind that extending the full retirement age (FRA) to 68 or 69 or whatever is a de facto benefit cut. The last sentence is about the math involved not about the right and wrong of any of it which we'll get to.

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Retirement Taxes Math Accounting 55

Sara Grillo

MAY 16, 2022

They charge $495 per month for on-going investment management, retirement planning and financial advice as-needed. Retirement Portfolio Partners. Wall Street is very good at taking advantage of people who either aren’t good at math or don’t like doing it, which is why the AUM model has persisted over time.

Financial Advisor 52

Financial Advisor Financial Advice Financial Planner Assets 52

Sara Grillo

JUNE 12, 2023

Quick math: If you have $1.828 million in the bank. And , you have to do the math by hand. To What If Analysis, what if I pay… So I’m doing my cash flow planning in my retirement plan, and I say, You know, I don’t wanna have to pay for in as a retirement. Here’s another example.

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Insurance Clients Financial Advisor Math 59