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.

Portfolio 74

Portfolio Math Assets Retirement 74

Clever Girl Finance

AUGUST 2, 2022

Let’s look at one tried-and-true way of multiplying your assets: retirement accounts. How to turn 10K into 100K through investing in retirement accounts. Although it may not sound glamorous, retirement accounts are a solid means of increasing your money. IRAs or Roth IRAs. without penalties. Similar to the 401(k) is a 403(b).

Education 59

Education Retirement Investments Investing 59

Mr. Money Mustache

MAY 20, 2022

Even Mr. Money Mustache, as a person who retired 17 years ago, is still in this boat for the simple reason that my retirement income from dividends and hobby businesses is still greater than my annual living expenses (which still hover around $20,000 per year). 3) Okay, but I really am retired and trying to live off my investments now.

Marketing 53

Marketing Marketing Retirement Investing 53

The Big Picture

AUGUST 8, 2022

ANAT ADMATI, PROFESSOR OF FIANCE AND ECONOMICS, STANFORD GRADUATE SCHOOL OF BUSINESS: So, my journey starts where I took a lot of math. I was good in math and I love the math. So, I was kind of, in my romantic mind when I was in my early 20s, I was going to take but not give back to math, that kind of thing.

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Banking Government Insurance Taxes 204

The Big Picture

FEBRUARY 6, 2024

I’d say management consulting is any of the other thing that least at that time was the other career trajectory, just my personality, more of a math oriented introvert. And that a bit of that cult, Dick and Ike are both retired now. And I very much get the sense he has no interest in retiring. In 2000, right.

Valuation 130

Valuation Investments Investing Assets 130

The Better Letter

FEBRUARY 8, 2024

Subscribe now Share The Better Letter Get more from Bob Seawright in the Substack app Available for iOS and Android Get the app TRIGGER WARNING: I’m going to do some sports math nerding-out this week. Brady is now retired as a seven-time Super Bowl champion, five-time Super Bowl MVP, 15-time Pro Bowler, and three-time NFL MVP.

Numbers 93

Numbers Education Management Math 93

The Big Picture

AUGUST 20, 2024

00:03:14 [Mike Greene] So that was actually an outgrowth from my experience coming out of Wharton and you mentioned the, the, you know, the transition of people who tended to be skilled at math or physics into finance. People earn wages, whether it’s a retirement account or a tax deferred account or just an investment account.

Assets 173

Assets Management Portfolio Marketing 173

The Better Letter

DECEMBER 15, 2022

The Russell 2000 is off 21 percent. Many – probably most – investors who cash out when negative volatility rears its ugly head will see their chances of investment and retirement success decrease significantly. The Dow is down 8.5 The Nasdaq is down a dreadful 31 percent. Negative volatility hurts. The saddest. The wildest.

Investing 80

Investing Investments Portfolio Numbers 80

The Big Picture

SEPTEMBER 12, 2022

I — I loved math, but really, I was going to go down that literature route more than anything else and — and study Spanish literature. BITTERLY MICHELL: … difficult situations for those who were retiring, right, and those …. RITHOLTZ: Applied Mathematics, Quants, those guys, yeah. BITTERLY MICHELL: … was — no, no.

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Clients Wealth Management Banking Investing 299

The Big Picture

AUGUST 29, 2023

And when you saw the US Ag down 13% last year, for folks, again, who are investing for retirement and in their 529 plans, they’re not concerned about it. But when you translate that to folks who might have a heavy municipal bond portfolio, and those folks who are in retirement, and they don’t like principal losses.

Portfolio 130

Portfolio Investing Investments Numbers 130

The Big Picture

JUNE 6, 2023

SETHI: Well, everybody thought they were a genius including me in 1999, 2000. RITHOLTZ: if you’re one latte away from your retirement being messed up you got bigger … SETHI: Bigger problems. RITHOLTZ: What are your thoughts on the early retirement fire movement? It’s much deeper than math. RITHOLTZ: Sure.

Accounting 130

Accounting Numbers Budgeting Financial Counseling 130

The Big Picture

AUGUST 15, 2023

You had the run up in the dot coms to 2000. ” 29, 87, 74, just pick any 50 plus percent number and certainly 2000 and ’08, ’09, a major index gets cut in half. RITHOLTZ: So hold the duration risk aside with those two, but just for an investor in treasuries, I know you’ve done the math before.

Management 130

Management Investments Investing Government 130

The Big Picture

SEPTEMBER 10, 2024

I don’t even know what it’s going to be yet, but I mean, I’m not retiring. And then I developed this macro affinity starting in 2000, really? So that’s the math. And that’s why I always think about my life, which is the next thing I do is gonna be something totally different. 2009, 10 in that role.

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Valuation Clients Investing Investments 162

The Big Picture

DECEMBER 12, 2023

He’s crushed the Russell 2000, whatever benchmark you want to talk about. And I was a math nerd as a kid. You’re 34th, you’re retiring after 34 years and you trounce what’s really the more appropriate benchmark, I would assume the Russell 2000. The s and p 500 has underperformed his fund by 3.7%

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Management Investing Investments Retail 264

The Big Picture

MARCH 27, 2023

So you retire in 2018. For a lot of funds, the early 2000 saw a lot of opportunity in the distressed market and in other spaces. And not only that, Reg FD I think was implemented in 2000, but what happened was that with technology, the information became cheap and available to all of us, retail and institutional investors.

Assets 285

Assets Investing Investments Management 285

The Big Picture

JANUARY 24, 2023

I will say when there were fewer firms, I was effectively — there had Ted and Nick Forstmann, Brian little had retired from the firm. KLINSKY: That was a super hot theme in the year 1999 and 2000. RITHOLTZ: So it’s different math then I need 100x winner versus 99? I was the next senior. KLINSKY: Yeah.

Investing 263

Investing Investments Numbers Banking 263

The Big Picture

MARCH 21, 2023

That is incredibly painful period for our process that both this time, which I think we’re still in the midst of end ’99, 2000, we’ve more than recovered from the roundtrip. If you’re anywhere from an individual to a pension fund, saying how much do I have to save to retire? For years, my dad, it was in spreadsheet.

Valuation 173

Valuation Investments Investing Numbers 173

The Big Picture

NOVEMBER 15, 2022

Let Mr. Market do his thing and we’ll find out how we did when we get ready to retire. NADIG: And trying to help people understand what that means for next week, and the next year, and the next decade, to position products underneath it, like ETFs in 1992, or model portfolios in 2000, or direct indexing in 2010. NADIG: Yeah.

Management 278

Management Assets Portfolio Investments 278

The Big Picture

NOVEMBER 25, 2024

And I, and I really like the application of math and statistics and computer science to markets. You learn the math that can help you with, with market making operations. And I think that helped fuel the smart beta boom of the 2000 tens. It’s just not smart on a math basis to do that. And I just caught the bug.

Portfolio 147

Portfolio Management Marketing Marketing 147

The Big Picture

APRIL 8, 2024

I’d been ranked i i back in the seventies, if you can do the math. And like you mentioned, the smooth sailing in the 2000 tens 00:15:07 [Speaker Changed] Didn’t feel that way at the time. 00:19:54 [Speaker Changed] So you retired if it’s not working and you move on to the next that. So it’s all the same.

Economy 147

Economy Clients Banking Economics 147

The Big Picture

JULY 15, 2024

I started out math and, and physics, and in high school I was a rock star in math and physics. I, I remember my father-in-law saying to me back in like 2000, he had a bunch of NYC go bonds that were 15% when New York City was in trouble, right? He went through the math and I’m like, wow, that’s a great return.

Portfolio 147

Portfolio Banking Management Portfolio Management 147

The Big Picture

MAY 2, 2023

RITHOLTZ: So wait, you’re, I’m trying to do the math, if you were 24 in ‘08, so you got this watch in 2000, 99? CLYMER: And I guarantee you when I retire from whatever this is, that’s the watch I will wear every day. He gave me his Omega Speedmaster, which is a really nice watch. RITHOLTZ: Right.

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Retail Insurance Advertising Numbers 173

The Big Picture

OCTOBER 31, 2022

So this is after March of 2000, his famous op-ed “Big-Cap Tech Stocks are a Sucker’s Bet.”. In every recession, except one and that was the tech bust of 2000, the drawdown of REITs was greater than the S&P 500. Then 25 years after that, in 2000, well, we all know dot-com burst and then bust. You have to apply.

Numbers 147

Numbers Investing Investments Marketing 147

The Big Picture

AUGUST 23, 2022

So, I did the math, 20 million times a hundred. So, let me just repeat the math. And so, again, I went through this simple math. When he came to power in year 2000, he wasn’t powerful like he is today. And so, it wasn’t just a fishing boat, it was an oceangoing factory, very impressive. They said, seven years.

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Government Banking Numbers Investing 321

The Big Picture

MARCH 17, 2025

Wasn’t the Excel spreadsheet error, which changed their math. He said he wanted at least 2000, 4,000. And he said it ought to be 2000. And he said, I want 2000 per the individual and 4,000 for family. My dad was in the military, so we lived all over the place. I mean that was, that was the problem.

Taxes 147

Taxes Economy Budgeting Government 147

The Big Picture

AUGUST 22, 2023

I went there because I was fearful that being a professor would be like retiring in your 20s. SUNSTEIN: So back in 2000, I agreed to write a book for Princeton University Press called “Republic.com.” It’s a power law, this is very slightly technical for yours truly, the English major, not technical for you, the math guy.

Economics 245

Economics Media Government Numbers 245