Random Roger's Retirement Planning

JULY 20, 2023

Marketwatch posted an advice type of column where a reader asked about his retirement readiness as he just got laid off and now would like to be done with working. They have a combined $350,000 in qualified retirement accounts and $200,000 in taxable accounts. This list starts the year at about $9000 including $2000 for property tax.

Retirement 75

Retirement Budgeting Taxes Accounting 75

Integrity Financial Planning

MARCH 16, 2023

Somewhere around 1999 and 2000, television started to change. Before Netflix and streaming services pumped out shows as 8-hour binges, the following shows of the early 2000s began to set the groundwork for popular shows like Game of Thrones and Stranger Things. They turned television into a medium for long-form, poetic storytelling.

Retirement 95

Retirement Financial Planning Retirement Planning Advertising 95

Good Financial Cents

APRIL 1, 2023

Let’s take a deep look at both plans, and particularly at where each stands out. It’s one of the best strategies to supercharge your retirement savings, especially for early retirement. There's no time like the present to begin preparing for your retirement. of providing tax-free income in retirement.

Planning 95

Planning Distribution Taxes Retirement Planning 95

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.

Retirement 40

Retirement Retirement Planning Financial Advisor Healthcare 40

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.

Retirement Planning 52

Retirement Planning Retirement Economics Planning 52

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.

Portfolio 52

Portfolio Asset Allocation Taxes Assets 52

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.

Taxes 52

Taxes Portfolio Investing Investments 52

Fortune Financial

JULY 12, 2023

While retirement should ideally be a time of relaxation and enjoyment, the financial implications of increasing expenses pose significant challenges for those in their golden years. Additionally, the study found that from 2000 to 2023, benefits under Social Security COLA increased by 78% or 3.4%

Healthcare 52

Healthcare Retirement Budgeting Financial Advisor 52

Fortune Financial

JULY 12, 2023

While retirement should ideally be a time of relaxation and enjoyment, the financial implications of increasing expenses pose significant challenges for those in their golden years. Additionally, the study found that from 2000 to 2023, benefits under Social Security COLA increased by 78% or 3.4%

Healthcare 52

Healthcare Retirement Budgeting Financial Advisor 52

Random Roger's Retirement Planning

DECEMBER 15, 2024

Bloomberg had an article titled As Gen-X Nears Retirement, Many Fear They Can't Afford It-Now or Ever. 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.

Retirement 52

Retirement Retirement Planning Numbers Planning 52

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.

Retirement 75

Retirement Wealth Advisor Math Medical 75

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.

Planning 98

Planning Portfolio Investing Investments 98

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.

Portfolio 102

Portfolio Asset Allocation Advertising Numbers 102

The Big Picture

FEBRUARY 21, 2023

If you think about what Vanguard is all about, we sit there each and every day, figuring out how do we help people retire better, put their kids through college, afford that dream home? We were losing market share in the critical retirement, the 401(k) business. And everyone was talking about that ’99, 2000. RITHOLTZ: Really?

Clients 279

Clients Investing Investments Retirement 279

Tucker Advisors

APRIL 4, 2023

Forty years ago, the federal government lengthened Social Security’s full retirement age (FRA) from 65 to 67, and increased the delayed retirement credit. Since 1980 through 2014, workers with retirement plans that included a pension fell from 39% to 13%, a 200% decline. Is it the change we want?

Retirement 75

Retirement Financial Advisor Planning Accounting 75

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.

Investment Advisor 52

Investment Advisor Investments Investing Certified Financial Planner 52

Random Roger's Retirement Planning

OCTOBER 27, 2024

Let's say this person is 61, just retired, prefers to delay starting Social Security until age 70 and will take RMDs at 73 but could take IRA withdrawals earlier if the taxable account depletes. But what retirement plan doesn't need some level of resilience in the face of some sort of adverse market sequence?

Portfolio 52

Portfolio Accounting Retirement Retirement Planning 52

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.

Portfolio 96

Portfolio Clients 96

Random Roger's Retirement Planning

OCTOBER 21, 2022

If you've saved close to enough by the time you retire, so like you thought you needed $850,000 and you're at $810,00, then a conservative approach would be to manage the difference between 3% and 4% or using $850,000 you are managing for $8500, the difference between $25,500 and $34,000. and provided a chart. like maybe less than a month.

Management 70

Management Retirement Numbers Portfolio 70

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.

Strategic Planning 52

Strategic Planning Planning Marketing Marketing 52

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.

Strategic Planning 52

Strategic Planning Planning Marketing Marketing 52

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?

Retirement Planning 52

Retirement Planning Valuation Marketing Marketing 52

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,

Valuation 52

Valuation Retirement Planning Accounting Sales 52

Random Roger's Retirement Planning

SEPTEMBER 6, 2024

Barron's dusted off the retirement bucket playbook in an article while also arguing that a 5% withdrawal rate in retirement can now be considered safe versus the more common 4%. I might argue longer than two years considering the bear market from 2000 took 30 months to find a bottom. Always read the comments.

Retirement 45

Retirement Math Portfolio Investments 45

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.

Assets 96

Assets Marketing Marketing 96

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.

Assets 98

Assets Portfolio Taxes Management 98

Random Roger's Retirement Planning

NOVEMBER 15, 2023

With the HSA contribution we save $2000 in taxes. A follow up to a point I made a while back on this is how cheap Marketplace insurance might be for people close to my age, 50's through to mid-60's, who find themselves out of work unexpectedly possibly forced to retire. Will it be worth it?

Insurance 81

Insurance Taxes Medical Accounting 81

Random Roger's Retirement Planning

MARCH 19, 2023

Part G Medicare, the one I believe to be the most robust supplemental plan currently costs an average of $1517/yr with projections of 10+% increases over the next few years. 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.

Food 75

Food Medical Insurance Medicine 75

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.

Engineering 75

Engineering Marketing Marketing Taxes 75

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.

Portfolio 73

Portfolio Risk Management Taxes Accounting 73

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.

Portfolio 75

Portfolio Clients Management Marketing 75

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.

Asset Allocation 52

Asset Allocation Portfolio Portfolio Management Assets 52

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.

Risk Management 75

Risk Management Assets Clients Government 75

Random Roger's Retirement Planning

DECEMBER 12, 2024

The Technology Sector SPDR (XLK) peaked out in $60 in 2000 and it bottomed in 2002 at $12. Marketwatch had a useful summary of a paper from Emory University that concludes the optimal retirement portfolio allocation is 33% domestic stocks and 67% foreign stocks, so no bonds. The tech sector isn't going to zero. Bitcoin is all risk.

Portfolio 52

Portfolio Numbers Clients Retirement 52

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.

Portfolio 75

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.

Investments 52

Investments Investing 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.

Investments 52

Investments Investing Portfolio Management 52