Harness Wealth

MARCH 7, 2025

However, they also frequently work with clients whose businesses sponsor employer retirement plans that must adjust their systems and raise workers’ awareness to enable them to fully tap into their benefits. Amid persistent racial disparities in retirement savings and the continuing flow of Secure 2.0

Taxes

Random Roger's Retirement Planning

NOVEMBER 10, 2024

It's not quite right to call private equity uncompensated complexity but I do think calling it unnecessary complexity for retail sized investors just trying to make it to and through retirement successfully is fair. To actually access private equity requires high dollar amounts and the willingness to lock the money up.

Portfolio

Random Roger's Retirement Planning

FEBRUARY 8, 2025

For the most part, I think these private asset investments being made a available to retail-sized investors are preying on some sort of emotion. Maybe appealing to vanity or allowing access to something the that appears to be exclusive or sophisticated but the expense and liquidity issues to me are not worth it.

Assets

Random Roger's Retirement Planning

MARCH 15, 2025

Invenomic Institutional (BIVIX), for retail investors the symbol is BIVRX, has plenty of history of differentiating from the the S&P 500 but in 2021 it was up a ton when the S&P 500 was also up a lot. Long time readers might know about my use of BTAL for clients (personal holding too) in this regard.

Portfolio

Random Roger's Retirement Planning

FEBRUARY 12, 2025

The timeframe in today's chart is more useful because it gets into the period where retail accessible funds started to become available. The title of the Man article is Why Alpha Matters for Retirement Savers and in it, they make their case for portable alpha. Here's another version of that chart from the Man Institute.

Portfolio

Random Roger's Retirement Planning

FEBRUARY 11, 2025

Going back to 1980 isn't too helpful because the the strategies they are talking about weren't accessible to retail sized investors via funds but the idea is similar to what we've seen before regarding alternatives. Locorr sent over a powerpoint presentation for the fund that included the following.

Portfolio

Random Roger's Retirement Planning

DECEMBER 3, 2024

As an advisor of retail sized clients, there's no reason to add the complexity of a 2x long S&P 500 ETF even if the idea was not to leverage up. The same exercise with 2x Dow Jones (DDM), the Dow and 1x inverse down (DOG) doesn't track as closely as the S&P trio but it they're closer than you might think.

Math

Random Roger's Retirement Planning

DECEMBER 27, 2024

My assertion has been that retail investors want bonds to kick off an income stream without moving in price and that is not what you get with this sort of ETF. The chart tracks from when the yield on the ten year bottomed out in September. From its all time high in July 2020, TLH is down 41%. The bonds have no yield.

Portfolio

Random Roger's Retirement Planning

NOVEMBER 14, 2024

SRTs are probably a long way from being packaged into a retail accessible fund and it is way too early for me to have any sort of opinion on SRTs. The example of "private market funds" is not something I've heard of being packaged and sold to investors however. This graphic might help. Later in the article there is a table with more info.

Investing

Random Roger's Retirement Planning

MARCH 3, 2025

The obvious flow from almost 20 years ago was that retail accessible products, mostly ETFs, would evolve to offer more sophisticated strategies making it easier to neutralize stock market volatility without necessarily having to sell to get more defensive.

Clients

Random Roger's Retirement Planning

JUNE 18, 2025

Maybe it is something about my method but it is difficult to put something together using retail accessible funds to get their concept to work. It lagged by a basis point so ok, it's a push and Portfolio 4 was a hair more volatile. I go through this so often trying to find a compelling result and it is just hard to do.

Portfolio

Random Roger's Retirement Planning

MARCH 26, 2025

The observation made at the first iteration of my blog 20 years ago that funds and ETFs (the term liquid alts wasn't common or maybe did not exist yet) would become increasingly sophisticated to offer retail sized accounts the opportunity for more robust portfolios has of course come true and there will continue be further sophistication in the future (..)

Portfolio

Wealth Management

AUGUST 7, 2025

Kat Hidalgo, Abhinav Ramnarayan August 7, 2025 7 Min Read StudioEasy/iStock/Getty Images Plus (Bloomberg) -- Private credit is pulling out all the stops to attract retail investors with increasingly popular open-ended vehicles that are bringing a new set of risks for the fast-growing industry. predicts.

Retail

Wealth Management

AUGUST 7, 2025

trillion held in those retirement accounts. trillion held in those retirement accounts. The SEC will be asked to facilitate access to alternative assets for participant-directed retirement plans. But with that comes greater risk and higher fees that may leave retirement plan administrators vulnerable to lawsuits.

Assets

Random Roger's Retirement Planning

AUGUST 1, 2025

The first retail index fund hit in 1976 but please humor me. So assuming the same $181 contributed 18 times but not invested (due to the limitation of testfol.io), at 18 this person would have had $3258 in 1975 to put into an index fund.

Accounting

Trade Brains

AUGUST 11, 2025

retirement plans are allowed to include Bitcoin, industry observers expect a wave of new demand. This steady optimism suggests the rally still has fuel, as retail and institutional buyers are not yet overcrowding the market. As a result, Bitcoin quickly jumped 3.3%

Retirement Planning

Wealth Management

JULY 21, 2025

What Does It Take To Be a Great Retirement Plan Advisor? This solution is designed to meet the practical needs of retirement plans,” Greg Wilson, global head of retirement at GSAM, said in a statement. “By Earlier in the month, retirement plan provider Empower responded to concerns raised by U.S.

Planning

Random Roger's Retirement Planning

AUGUST 7, 2025

I apply the exact same thought to private assets that will be available to retail investors via 401k plans or anything else. The generalization was that only IPOs you can't get shares of are the ones that are going to go up a lot.

Food

Abnormal Returns

JANUARY 11, 2023

Podcasts Christine Benz and Jeff Ptak talk with Mark Miller, author of "Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track." (the-long-view.simplecast.com) the-long-view.simplecast.com) A discussion about when it is time to adjust your retirement plans. contessacapitaladvisors.com).

Planning

Nerd's Eye View

DECEMBER 9, 2022

Also in industry news this week: A recent survey indicates that retirement plan sponsors currently using financial advisors to support their plan are overwhelmingly satisfied with the service they receive, which also leads to improved retirement savings for their employees.

Financial Planner

Nerd's Eye View

MAY 1, 2023

Rowe Price has acquired Retiree Income, the parent company of popular retirement income planning software SSAnalyzer and Income Solver, to put its resources behind developing and distributing the company’s planning tools (albeit perhaps more to its retail and employee retirement plan clients than to advisors?).

Taxes

Integrity Financial Planning

DECEMBER 29, 2022

If you go to your local retailers, you may find great deals, as they quite literally may want to clear their shelves by offering great discounts. Plan Ahead! When it comes to your retirement, planning ahead is the name of the game. Shop In-Store to Compare Prices.

Financial Planning

Nationwide Financial

DECEMBER 1, 2022

Retail investor flows have told a different story, with the “buy-the-dip” mentality still in play for much of the year. This unique combination of protection and performance potential may help your risk-averse clients feel more comfortable addressing their retirement planning needs, even in uncertain markets.

Management

Good Financial Cents

SEPTEMBER 29, 2022

It also gives you a chance to invest in commercial real estate, like office buildings, retail space, and large apartment complexes. Traditional IRA: Best for Dedicated Retirement Planning. IRA plans are subject to Required Minimum Distributions (RMDs) beginning at age 72. 4 Best Investments for 6 – 10 years.

Investing

The Irrelevant Investor

JUNE 7, 2022

On today’s show we discuss: Targets margins are getting squeezed The state of the economy survey Wages are still going up The dark side of the hot labor market Job growth remains strong The tech crash could lead to a talent bonanza for big tech Retail investors are buying U.S.

Retirement Planning

The Richer Geek

JANUARY 12, 2022

Joining us today is Mike Silvestrini, co-founder and managing partner of Energea, a renewable project developer and retail investment platform that is focused on emerging and frontier markets. A base of customers is using their retirement plan, cause retirement plans are their very nature sort of long-term, long-time horizon.

Portfolio

Random Roger's Retirement Planning

OCTOBER 25, 2022

With all the time we've spent learning about new alternative strategies (new in that they've become accessible in funds for retail sized accounts) and how to incorporate them into a diversified portfolios, I thought it might be worthwhile to revisit a couple of older school alternatives to see how they're doing through the current event.

Portfolio

Random Roger's Retirement Planning

NOVEMBER 27, 2023

It seems like a fund of funds but not in funds that are exchange traded or otherwise available to retail brokerage investors. I want to be clear that I don't think trying to implement Jason's portfolio with retail-accessible products is a good idea, full stop. Portfolio 3 is 100% VBAIX.

Portfolio

Random Roger's Retirement Planning

JUNE 2, 2024

Alpha Simplex wrote a short but wide ranging paper that covered the history of managed futures as a strategy, the history of that strategy working its way to retail accessible funds and the possible benefits managed futures in ETFs of which there are now quite a few.

Management

Park Place Financial

NOVEMBER 29, 2022

Retirement Structured Product Benefits Schedule a Complimentary Financial Review CLICK HERE TO SCHEDULE. Increases in financial innovation and the advent of the investor class have transformed retail. 5 Ways to Catch Up on Retirement Planning Later in Life. How to Calculate How Much You Need to Retire. Structured.

Certified Financial Planner

Random Roger's Retirement Planning

SEPTEMBER 3, 2023

Risk parity seems to get talked about less lately, this is one that I just don't think gives any basis to expect it to "work" when packaged into a retail accessible fund. Protection might be a better word to describe a fund that goes up a lot when stocks go down a lot. rounded.

Portfolio

Random Roger's Retirement Planning

SEPTEMBER 2, 2022

Paraphrasing, Meb asked how to implement Cockroach in a retail account. There was no mention of anything to gold or crypto for the retail version of it. My idea of leverage is something like 70% equities instead of 60 because you get far more protection from VIX and tail risk funds because of their negative correlation than from bonds.

Portfolio

Random Roger's Retirement Planning

APRIL 17, 2024

The Permanent Portfolio Mutual Fund (PRPFX) was an early, retail accessible fund in the All-Weather space going back to the early 90's. I say potential comfort because even though a strategy or fund is billed as being All-Weather doesn't mean it always will be.

Portfolio

Carson Wealth

JANUARY 14, 2023

Financial professionals registered as agents of broker/dealers are required to follow FINRA Regulation Best Interest (REG BI) which requires they act in the best interest of their retail customers at the time a recommendation is made, but they do not have an ongoing obligation to the customer to provide ongoing advice or monitoring of accounts.

Financial Advisor

Random Roger's Retirement Planning

JULY 3, 2024

He was critical of the typical retirement planning glide path of owning stocks and bonds and adjusting between the two as people get older. It certainly would be fair to say that four plus years is a a short time frame but it set an expectation and has lived up to it so far. Not every fund we look at here has done that.

Portfolio

Random Roger's Retirement Planning

MAY 6, 2024

democratizing what retail sized investors can invest in. This post all ties into a point I've been making since I started blogging about ETFs and mutual funds evolving to offer access to more sophisticated strategies and exposures. The hedge funds I mentioned at the top are the simplest expression of that. That is democratization.

Assets

Random Roger's Retirement Planning

JUNE 6, 2024

I don't know if the current batch of derivative income funds are the final solution or not but I think at a higher level these funds are part of a movement that is trying to figure out how to harness volatility as a strategy in a retail accessible fund to improve nominal returns or risk adjusted returns.

Asset Allocation