Random Roger's Retirement Planning

FEBRUARY 28, 2025

Most of us of course lived through that from 2000 through to 2009. The S&P 500 hit 1500 in March 2000, then again in the fall of 2007 and then the third and final time in January, 2013. That's a long time for a broad based index to not make any progress.

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Random Roger's Retirement Planning

DECEMBER 2, 2024

If you put 3% into Ariba Networks into a diversified portfolio in 2000 or bought a house you could comfortably afford in 2007 then you had a setback but weren't blown up. I posted the above joke on Bluesky a few days ago. This person will get blown up if anything bad ever happens, absolutely destroyed.

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Random Roger's Retirement Planning

SEPTEMBER 16, 2022

If we're thinking about risk planning for the next ten years, I might wonder about a lost decade for US equities like we had from 2000-2010 and whether that might mean foreign equities rotate back into favor like they were back in 2000-2010. It's good to start thinking about these things ahead of time.

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The Irrelevant Investor

JANUARY 18, 2020

Articles Analysts have the second highest set of future earnings expectations for growth stocks since 2000. By Patrick O'Shaughnessy Expecting companies to sponsor retirement plans is like demanding that a dog dance; it may comply, but neither well nor happily.

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Retirement Planning Retirement Economics Planning 52

Good Financial Cents

APRIL 1, 2023

When you turn age 72, you’re required to begin receiving distributions from the plan. This is always true when neither you nor your spouse are covered by an employer-sponsored retirement plan. The numbers are different if you’re not covered by an employer-sponsored retirement plan, but your spouse is.

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Planning Distribution Taxes Retirement Planning 95

Random Roger's Retirement Planning

SEPTEMBER 20, 2023

We've looked at these a couple of times over the years, back in the 2000's I accessed the space through a closed end fund that had a high yield, higher than what the space typically offers, thanks to the leverage inherent in the closed end universe.

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Random Roger's Retirement Planning

APRIL 17, 2024

That period ending in May 2000 was relatively bad for PRPFX. I'd argue it all worked out in the end but imagine how you might handle being that far behind in early 2000. That would not have been easy of course there was no way to know how well gold was about to do to help PRPFX catch up over the next few years.

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International College of Financial Planning

NOVEMBER 10, 2021

There are less than 2000 people in India who have qualified CFP. Retirement Planning Course – Retirement planning is gaining huge popularity among Indians. High disposable incomes and high-spending lifestyles have been encouraging Indians to plan for their retirement to ensure they continue to live their dreams.

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Random Roger's Retirement Planning

SEPTEMBER 21, 2023

Unlike the decade long round trip to nowhere for equities in the 2000's, bond ETFs don't necessarily need to go back to where they were. I've seen a couple of references to a big, really big, round trip in price for fixed income ETFs. That image is from Stocktwits. Notice the CAGRs.

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Fortune Financial

JULY 12, 2023

Additionally, the study found that from 2000 to 2023, benefits under Social Security COLA increased by 78% or 3.4% In 2023 terms, the retiree would only be able to purchase $64 of goods and services that would have bought $100 worth in 2000. annually, while overall goods and services purchased by retirees rose 141.4%

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Fortune Financial

JULY 12, 2023

Additionally, the study found that from 2000 to 2023, benefits under Social Security COLA increased by 78% or 3.4% In 2023 terms, the retiree would only be able to purchase $64 of goods and services that would have bought $100 worth in 2000. annually, while overall goods and services purchased by retirees rose 141.4%

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Random Roger's Retirement Planning

MAY 6, 2024

In 2000, BPLSX outperformed by 69%, in 2001 it outperformed by 37%, 22% in 2002 and 46% in 2009. That is not a bad result but might be less than you'd think when looking at the CAGR numbers. I outlined the four years that account for just about all of the long term outperformance.

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Random Roger's Retirement Planning

DECEMBER 15, 2024

There was an odd and I believe inaccurate emphasis on workplace retirement plans pivoting from defined benefit plans (pensions) to defined contribution plans (401k) starting around the turn of the century. People entering the workforce in 2000 were not the 401k guinea pigs. That is Rooster. Rooster loves duck toys.

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The Irrelevant Investor

JUNE 23, 2017

What would that do to people's retirement plans? If 2000 was fool me once and 2008 was fool me twice, what would 2019 be? The United States has experienced just six distinct bear markets since The Great Depression: 1929, 1937, 1969, 1973, 2000, and 2008. What would happen if stocks crash?

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Random Roger's Retirement Planning

OCTOBER 27, 2024

Yes, there is absolutely the possibility that the period that someone needs to do this looks like the 2000's or maybe David Kostin of Goldman Sachs will turn out to be right about 3% annualized growth over the next 10 years. But what retirement plan doesn't need some level of resilience in the face of some sort of adverse market sequence?

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The Irrelevant Investor

NOVEMBER 12, 2015

while the average CAPE since the year 2000 has been over 25." With millions of Americans shoveling money into their retirement plans every month, there is a much greater demand for stocks than their was in the first half of the twentieth century. The average CAPE for the decade immediately following WWII was 12.4,

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Random Roger's Retirement Planning

AUGUST 12, 2023

In the 80's and 90's domestic outperformed, for most of the 2000's foreign outperformed and we are now in a 12 or 13 year run of domestic outperforming. In the 2000's I was much heavier in foreign than I have been for the last 10 or 12 years.

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WiserAdvisor

JUNE 13, 2023

Retirement planning focuses on the steps you need to take to achieve your desired retired life, such as saving and investing wisely, creating a budget, and considering your healthcare needs. However, it is also essential to be aware of the potential pitfalls and things to avoid during the retirement planning process.

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Random Roger's Retirement Planning

AUGUST 12, 2024

From the high in 2000 it took until 2019 to double. Or you could look at the 2007 high which was within a few points of the 2000 high and say it took 12 years to double. From the high in 1968, it took 18 years to double which is a very long time of course.

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Random Roger's Retirement Planning

OCTOBER 21, 2022

Willie Delwichie Tweeted out that all of the S&P 500's gains since 2000 have come when the VIX was above 28.5 Factors are things like momentum, low volatility, buy backs, even value and of course earlier this year funds started trading that track the night anomaly where buying at the close and selling at the open outperforms buy and hold.

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Random Roger's Retirement Planning

JULY 14, 2023

This happens every so often, probably does not indicate a healthy market but as we saw in 2020, it can resolve by the rest of the market catching up, it doesn't have to result in a 2000-era bubble popping. I have no idea if the rest of the market will catch up or if this one will end very badly, we have no control over that.

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Random Roger's Retirement Planning

SEPTEMBER 18, 2022

A little exposure to something like TLH, that's merely unfortunate kind of like the person who put a little into Cisco Systems (CSCO) above $70 back in 2000 and still holds it today at $43. Small allocations don't become impediments to portfolio growth, simply they are laggards.

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Random Roger's Retirement Planning

JULY 20, 2023

Examples of this type of expense include $450 for tax prep, $500 for firewood, $2000 for homeowners insurance and so on. This list starts the year at about $9000 including $2000 for property tax. There a column off to the right of the various monthlies where I track things that are not monthly but maybe annual or twice per year.

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Brown Advisory

APRIL 1, 2020

These strategies may include the conversion of an IRA or qualified retirement plan to a Roth IRA , because the tax consequences of such a conversion are based on asset values at the time of conversion, and any future growth in value will avoid income taxation, both within the plan and at the time of distribution to the plan beneficiary.

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Brown Advisory

APRIL 1, 2020

These strategies may include the conversion of an IRA or qualified retirement plan to a Roth IRA , because the tax consequences of such a conversion are based on asset values at the time of conversion, and any future growth in value will avoid income taxation, both within the plan and at the time of distribution to the plan beneficiary.

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Random Roger's Retirement Planning

DECEMBER 10, 2022

Back on October 20th, Willie Delwiche Tweeted about research he did showing that since 2000, all the net gains for the S&P 500 came with the VIX above 28.5. We'll see whether "sophisticated" leads to better nominal returns or better risk adjusted returns but these resonate.

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Random Roger's Retirement Planning

NOVEMBER 15, 2023

With the HSA contribution we save $2000 in taxes. We were all set with catastrophic insurance at $770/mo and $10,000 deductibles. With the change to the Marketplace HSA we are paying $1175/mo so $4900 nominally more expensive for the year. Will it be worth it? The subsidy is based on what I think I will make.

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Insurance Taxes Medical Accounting 81

Random Roger's Retirement Planning

JANUARY 27, 2023

There was one rental property anecdote about people who live 2000 miles from their rental and the challenges the distance poses. The article also talks about how difficult in can be owning investment property, especially if you can't cover the mortgage when the property is empty.

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Retirement Numbers Taxes Portfolio 75

Random Roger's Retirement Planning

SEPTEMBER 6, 2024

I might argue longer than two years considering the bear market from 2000 took 30 months to find a bottom. Also the 2000's being a bumpy ride to nowhere for the S&P 500 might lead people to view this part more conservatively too.

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Random Roger's Retirement Planning

MAY 18, 2023

A good decision about their mortgage way back when could see someone in their early 50's paying off a 15 year mortgage (taking out a 15 year being the good decision) and now has $1000 to maybe $2000 a month for additional savings. If that person has car payments, maybe they could not replace their cars when their vehicles are paid off.

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Random Roger's Retirement Planning

DECEMBER 21, 2023

QQQY (personal holding that I am test driving) was down much less than the S&P 500 and the Invesco QQQ Trust, JEPY was down less than the S&P 500 and IWMY was down less than it's corresponding underlying iShares Russell 2000 ETF (IWM). As a first test maybe, these ETFs did just fine. world is a good first impression.

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Portfolio Asset Allocation Marketing Marketing 75

Brown Advisory

JUNE 21, 2017

Looking back on Brown Advisory’s results in 1999 and early 2000, just before the technology bubble popped, our equity portfolios lagged the market, reflecting our discomfort with many of the high-flying “dot-com” stocks of the day. The Russell 2000® Index measures the performance of the small-cap segment of the U.S. equity universe.

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Investing Investments Portfolio Management 52

Brown Advisory

JUNE 21, 2017

Looking back on Brown Advisory’s results in 1999 and early 2000, just before the technology bubble popped, our equity portfolios lagged the market, reflecting our discomfort with many of the high-flying “dot-com” stocks of the day. The Russell 2000® Index measures the performance of the small-cap segment of the U.S. equity universe.

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Investing Investments Portfolio Management 52

Random Roger's Retirement Planning

JANUARY 3, 2025

So embedded in there is an expectation that stocks will look more like they did in the 2000's. Going heavy with foreign was a huge difference maker in the 2000's and will be important again but I have no idea when. The headache avoided by just leaving out duration is something I am very confident in.

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Random Roger's Retirement Planning

MARCH 19, 2023

Even $21,000 seems crazy high but getting close to $2000/mo for health insurance in your early 60's is about where the market is. They could probably find a premium for half the $42,000 that would probably mean no HSA contribution and come out far ahead.

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Tucker Advisors

APRIL 4, 2023

But the Bureau of Labor data shows that something else has also occurred over the last four decades: People lost their pensions (defined benefit plans) and were forced into defined contribution plans, usually in the form of 401(k)s. Conversely, workers who only have 401(k)s or defined contribution plans, rose from 9 to 34%.

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The Big Picture

FEBRUARY 21, 2023

And everyone was talking about that ’99, 2000. And a few years ago, we said whether you’re investing directly, whether your investing through an advisor, whether you’re investing through retirement plan, the platforms that we deal with, our service infrastructure, our investment infrastructure, cloud native.

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