Random Roger's Retirement Planning

NOVEMBER 4, 2024

We spend a good bit of time looking at risk parity, trying to see if it can work in a retail accessible fund. There aren't too many of them and they don't seem to work very well.

Retail 52

Retail Taxes Investments Investing 52

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 52

Portfolio Retail Investments Investing 52

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 52

Portfolio Retail Assets Clients 52

Random Roger's Retirement Planning

MARCH 15, 2025

Holding on to 100% of something like VBAIX all the way through market cycle after market cycle is absolutely valid other than addressing sequence of return risk when you get within a few of retirement. What tools can you use, so using tools implies adding something not selling VBAIX, to reduce volatility?

Portfolio 59

Portfolio Medical Marketing Marketing 59

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 52

Assets Engineering Food Communication 52

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 52

Portfolio Retail Taxes Clients 52

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 52

Math Portfolio Retail Clients 52

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 52

Portfolio Retail Clients Banking 52

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.

Investments 52

Investments Investing Insurance Retail 52

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 52

Clients Retail Accounting Taxes 52

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 52

Portfolio Clients Retail Taxes 52

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 40

Portfolio Retail Planning Accounting 40

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 245

Planning Retirement Planning Retirement Retail 245

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 246

Financial Planner Recruitment Retirement Planning Retirement 246

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 245

Taxes Retirement Planning Advertising Retirement 245

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 98

Financial Planning Retirement Planning Retirement Planning 98

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

Nationwide Financial

DECEMBER 1, 2022

This means that with qualified assets sitting in cash, retirement savings are at risk of being outpaced by inflation. 7 While this scenario can have a negative impact on all investors, it poses an especially large threat to clients who are nearing or in retirement.

Management 97

Management Clients Retirement Financial Planning 97

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.

Investments 109

Investments Investing Retirement Planning Risk Tolerance 109

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 52

Retirement Planning Retail Portfolio Government 52

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 52

Certified Financial Planner Fiduciary Duty Retirement Planning Retirement 52

Nationwide Financial

MAY 16, 2023

From a sector standpoint, industries tied to discretionary spending – travel, restaurants, and retail – typically bear the brunt of job losses. What else are you seeing that is weighing on investors, and how is this impacting their ability to save for retirement? Fortunately, unemployment around 5.5%

Economics 52

Economics Retirement Clients Retirement Planning 52

Gen Y Planning

NOVEMBER 5, 2021

like spontaneous purchases, retail therapy, keeping up with the Joneses, etc., By weaving in extra savings into your spending plan, you can have enough money to cover gifts, cook your fancy holiday dinner, and keep the lights on (literally). . Max Out Your Retirement Plans. to the curb. Assess Your Debt.

Taxes 75

Taxes Estate Planning Planning Budgeting 75

Good Financial Cents

FEBRUARY 15, 2023

“Robo-advisors allow new investors to put their investments on autopilot and take the emotion out of investing,” Donny Gamble , Founder, and CEO at Retirement Investments.com. Best for: Any and all investors Schwab is the largest retail investment broker in the world, and there are plenty of reasons why. per contract fee); $9.95

Investments 94

Investments Investing Commission Risk Tolerance 94

Random Roger's Retirement Planning

SEPTEMBER 2, 2022

I have zero desire to retire, but probably could if my hand was forced somehow and 25% is nowhere near whatever my pain tolerance is so it's very empowering. 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.

Portfolio 75

Portfolio Retail Management Accounting 75

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 52

Portfolio Retirement Planning Assets Retail 52

Clever Girl Finance

MARCH 28, 2023

Some of us want to plan a comfortable retirement , while others want to become a homeowner or save for our kids to go to college. The Federal Deposit Insurance Corporation insures US bank accounts offered by retail banks. Invest in a 401K or Roth IRA plan Unless you’re planning to work forever (which few of us are!),

Budgeting 110

Budgeting Accounting Banking Retirement 110

Random Roger's Retirement Planning

APRIL 21, 2024

I'm pretty sure that in every post about spending part of retirement in a foreign country I say to keep your house in the US and rent it out in case you need to come back. There's probably more to learn about Social Security and how to be smart, tax-wise, withdrawing from retirement accounts.

Investments 69

Investments Investing Retirement Insurance 69

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 52

Financial Advisor CFP Certified Financial Planner Risk Tolerance 52

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 95

Portfolio Retail Accounting Numbers 95

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 52

Portfolio Retirement Planning Clients Retail 52

Gen Y Planning

DECEMBER 5, 2022

like spontaneous purchases, retail therapy, keeping up with the Joneses, etc., By weaving in extra savings into your spending plan, you can have enough money to cover gifts, cook your fancy holiday dinner, and keep the lights on (literally). . Max Out Your Retirement Plans. to the curb. Assess Your Debt.

Taxes 59

Taxes Estate Planning Planning Budgeting 59

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 75

Portfolio Retail Asset Allocation Accounting 75

Random Roger's Retirement Planning

OCTOBER 29, 2024

Fund provider Tidal/ETF Masters, more of a white label than an actual provider, had a fun article titled Building A Financial Independence/Retire Early Portfolio With ETFs. If I am correct about bonds with duration now being a source of unreliable volatility then I'm not sure how a retail-accessible fund would be able to do the job.

Portfolio 52

Portfolio Retirement Retail Investments 52

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 98

Management Retail Investments Investing 98

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 105

Portfolio Retail Management Accounting 105

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 102

Portfolio Asset Allocation Advertising Numbers 102