Nerd's Eye View

SEPTEMBER 25, 2023

In the mid-20th century, the first phone call for a person who needed guidance on saving or planning for retirement was likely to be to a stockbroker or a mutual fund or insurance salesperson.

CFP 246

CFP Financial Planning Planning Certification 246

Fortune Financial

JANUARY 28, 2025

The housing bubble and subsequent bust that was largely responsible for the 2007 – 2009 financial crisis resulted in depressed housing starts for more than a decade; in fact, from 2008 through 2019, single family housing starts averaged just 660,000, not even 60% of the long-term average.

Financial Advisor 96

Financial Advisor Retirement Clients Marketing 96

The Chicago Financial Planner

FEBRUARY 5, 2022

The New York Giants (an old NFL team) won in 2008 and the market tanked in what was the start of the financial crisis. Approaching retirement and want another opinion on where you stand? Financial coaching focuses on providing education and mentoring on the financial transition to retirement. NEW SERVICE – Financial Coaching.

Investments 184

Investments Investing Financial Planner Risk Tolerance 184

Random Roger's Retirement Planning

JANUARY 8, 2024

The Wall Street Journal ran an article titled Here's What It's Like To Retire On Almost Nothing But Social Security. He said " he was unprepared for sudden retirement, financially or otherwise." Being unprepared in his context doesn't have to just be about retirement account balances. Think about that.

Retirement 74

Retirement Numbers Accounting Taxes 74

Validea

JANUARY 9, 2023

Veteran portfolio manager Bill Miller, founder of Miller Value Partners and manager of the firm’s Miller Opportunity Trust and the Miller Income funds, retired at the end of 2022, reports an article in CityWire. billion and has been renamed the Opportunity Trust under Patient Capital, since 2008.

Retirement 59

Retirement Management Portfolio Management Portfolio 59

Ballast Advisors

AUGUST 18, 2023

In its annual Retirement Confidence Survey of current workers and retirees, the Employee Benefit Research Institute found that workers’ confidence in their ability to fund retirement fell by the largest extent since the financial crisis of 2008, to levels not seen since 2018.

Retirement 52

Retirement Taxes Planning Accounting 52

The Better Letter

MARCH 27, 2025

MLB was last to the instant replay party, finally adding it to check on home runs on August 28, 2008, nine years after Frank Pulli dipped his toe into the water. ” According to long-time umpire Joe West (now retired), “[t]hree ways you can miss a call: lack of concentration, lack of positioning, lack of timing.”

Accounting 62

Accounting Food Retirement Electronics 62

Random Roger's Retirement Planning

FEBRUARY 12, 2025

The title of the Man article is Why Alpha Matters for Retirement Savers and in it, they make their case for portable alpha. Also PSLDX is capable of some huge drawdowns, dropping 43% in 2022 and 33% in 2008. Portable alpha combines plain vanilla exposure with alternatives in such a way that leverages up.

Portfolio 52

Portfolio Retail Assets Clients 52

Nerd's Eye View

AUGUST 13, 2024

And be certain to listen to the end, where Eric discusses the key differences between CPA firms and RIAs, particularly the contrast between the goal of CPAs to maximize the efficiency of their billable hours and the more long-term client relationship-building done by financial advisors, how Eric approaches acquisitions, targeting younger or mid-career (..)

Financial Advisor 130

Financial Advisor Financial Planning Accounting Planning 130

Trade Brains

JANUARY 20, 2023

A Case Study on ‘Satyam Scam’ Accounting Scandal: When the 2008 recession hit the world, India was not only going through a financial crisis but also an ethical crisis. Satyam soon went on to cross the $2billion mark in 2008. 544 in 2008. This was what happened with Satyam Computer Services. The shares fell to Rs.11.50

Banking 131

Banking Accounting Ethics Sales 131

The Big Picture

SEPTEMBER 6, 2023

Wall Street Journal ) • Why China Is Avoiding Using ‘Bazooka’ to Spur Economy : Beijing isn’t pulling out a “bazooka” stimulus package like it did during the global financial crisis in 2008-09, or even when the pandemic hit in 2020. Bloomberg ) • Roth vs. Traditional 401(k): Where to Put Your Money for Retirement? in the current one.

Strategic Planning 130

Strategic Planning Medicine Economy Consulting 130

Integrity Financial Planning

DECEMBER 13, 2022

The 2022 economy has broken multiple records, first, with the highest inflation rate in 40 years, and now, the highest federal reserve interest rates since 2008. [1] 2] This rise in the cost of borrowing not only affects inflation but trickles into the decisions you make before and in retirement. Hike in Variable Debt Rates.

Financial Planning 97

Financial Planning Accounting Economy Retirement 97

Random Roger's Retirement Planning

OCTOBER 8, 2024

In one of the Tweets, that's right I said Tweets, he talked about 2008 being a disaster as correlations went to 1. I think the only capitally efficient funds back in 2008 were the PIMCO PLUS suite including the PIMCO Stocks PLUS Long Duration (PSLDX) which leveraged up 100/100 stocks and long bonds. versus down 21.63%.

Portfolio 98

Portfolio Management Accounting Clients 98

Nerd's Eye View

SEPTEMBER 28, 2022

In this episode, we talk in-depth about how Joe has witnessed firsthand as an advisory firm owner, and now a partner at a leading global investment management firm, how the financial services industry is evolving in real time as more banks and brokerage firms are truly adopting financial planning and implementing advisory services at national scale (..)

Financial Advisor 130

Financial Advisor Executive Compensation Wealth Management Recruitment 130

Random Roger's Retirement Planning

SEPTEMBER 26, 2023

First on Monday's post about using return stacking to slightly increase the retirement withdrawal rate, I forgot about the WisdomTree Core Efficient Plus Fund (NTSX) which is leveraged up such that 67% in that fund equals 100% into a 60/40 portfolio like the Vanguard Balanced Income Fund (VBAIX). A couple of follow ups.

Portfolio 96

Portfolio Management Retirement Taxes 96

Random Roger's Retirement Planning

OCTOBER 21, 2024

In 2022 it was actually flat while in 2008 it was down more than the S&P 500. They did well in 2022 but did poorly in 2008. I'm not saying these are bad funds to hold, they just don't offer too much zig when stocks zag. IGF is interesting though. MLPs are another odd one.

Taxes 96

Taxes Investments Investing 96

Random Roger's Retirement Planning

MARCH 2, 2025

Barron's wrote about the difficulty of spending down accumulated assets in retirement. Several quick hits today. I am pretty sure this will be difficult for me if our savings play a big role in our month to month lifestyle. This was an article where always read the comments applies.

Taxes 52

Taxes Portfolio Assets Accounting 52

Discipline Funds

MARCH 1, 2023

In fact, we’ve been vocal that this isn’t a repeat of 2008. If you adjust it for only the working age and retired population then inventory is even higher. Especially not in an environment where the demand for buying is drying up as the Fed raises rates aggressively and the average mortgage rate surges back to 7%.

Math 136

Math Numbers Sales Economy 136

Random Roger's Retirement Planning

APRIL 3, 2024

Someone retiring on Dec 31, 2021 being all in on traditional 60/40 had a real problem from an adverse sequence of returns. Someone retiring on Dec 31, 2021 with one of the managed futures-heavy portfolios had no such problem. The advantage that both managed futures portfolios had over traditional 60/40 is how well they did in 2022.

Numbers 96

Numbers Portfolio Management Retirement 96

Random Roger's Retirement Planning

FEBRUARY 15, 2024

Barron's posted an article that by the title was about expenses to consider if you retire early but the article was pretty thin. A couple of stats from the article included that 46% of American retire sooner than they expected with the two most common reasons being laid off or health issues with themselves or their partner.

Retirement 75

Retirement Portfolio Accounting Insurance 75

Random Roger's Retirement Planning

APRIL 8, 2025

On December 24, 2008, the Dow Jones was down 1000 points and then on December 26th it was up 1000 points but of course that market event still had several months to go. John Authers from Bloomberg is calling it the end of the beginning. It is possible it's over but I would be ready for more volatility.

Marketing 59

Marketing Marketing Clients Portfolio 59

Random Roger's Retirement Planning

MARCH 25, 2025

The S&P 500 doesn't fall 20% in a quarter very often but obviously it can happen, it happened in Q1 of 2020 and the 3rd quarter of 2008 and I imagine there were others. The next day the fund would have a new buffer 20% down from there. If someone is actually going to use this, it is crucial they sell before the 20% threshold is hit.

Taxes 59

Taxes Sales Management Investments 59

Walkner Condon Financial Advisors

NOVEMBER 11, 2022

We are on pace to post the first double-digit loss in the major US markets since 2008. As we look forward to 2023, the IRS recently announced that the contribution limits for employer-sponsored retirement plans are going up. 2022 has been a difficult and trying year for stock and bond indexes in both emerging and developed markets.

Insurance Coverage 98

Insurance Coverage Retirement Planning Financial Advisor Taxes 98

Random Roger's Retirement Planning

MARCH 14, 2025

The best example of this that I can think of to make the point was in the fall of 2008 when one day, the Dow fell 1000 points and then the next day it made it most of it back. The tape would be a little more constructive if the declines stopped with more of a whimper, just petering out versus such a dramatic move up.

Portfolio 59

Portfolio Taxes Management Investments 59

BlueMind

JULY 15, 2022

The 2008 global financial crisis is one of the biggest examples of how significant it is to have proper compliance regulations in place in order to create a safe and healthy financial ground for the people. The primary cause of the 2008 global financial crisis was the deregulation of the financial industry.

Compliance 98

Compliance Financial Advisor Certified Financial Planner Clients 98

NAIFA Advisor Today

APRIL 24, 2023

In 2008, he bought three books on Social Security, read them cover to cover, and emerged with more questions than answers. Blair worked for SSA for 35 years before retiring on December 31, 2010. Over his three-decade career as a CPA, Kiner grew increasingly interested in the inner workings of Social Security benefits.

Certification 52

Certification Retirement Management 52

Integrity Financial Planning

MAY 18, 2022

Brian talks about how predictions went with economists and TV personalities before 2008. Consider what you want to do long-term and how you spend your time in your retirement. Before you retire, have you thought through what you’ll do with your time? Is working in some capacity a part of your retirement plan.

Retirement 52

Retirement Retirement Planning Financial Planning Portfolio 52

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. He stepped down as the CEO in 2008. So we’ve rebuilt.

Clients 280

Clients Investments Investing Retirement 280

Trade Brains

APRIL 17, 2023

One of the first reforms he put in place was setting a retirement age. According to this policy, the retirement age for directors was set at 70 and senior executives at 65. Mody was sacked after a messy scrap, Seth and Kerkar retired over the years as they crossed the age limits and Palkhivala quit citing ill health.

Retirement 98

Retirement Engineering Manufacturing Ethics 98

Random Roger's Retirement Planning

NOVEMBER 21, 2024

And since the other funds came along, RYMFX has shown to not be such a great representation of the strategy even though it helped in 2008. Plenty of other managed futures funds came onto the scene in 2013 and 2014 but I think RYMFX is the only one to test what was a terrible time for managed futures.

Asset Allocation 52

Asset Allocation Management Portfolio Taxes 52

Random Roger's Retirement Planning

APRIL 23, 2024

RPAR has only been around since 2019 but the replication allows us to go back to 2008. It was down a little less in 2008 and 2022. It isn't necessarily a bad thing that risk parity lagged but it did so with a higher standard deviation. The year by year for risk parity replication shows quite a few things.

Assets 84

Assets Management Retail Accounting 84

Random Roger's Retirement Planning

MAY 29, 2024

The chart also shows that carry has not helped as crisis alpha in either 2008 when it dropped dramatically or in 2022 where it looked like a horizonal line with a slight tilt upwards. The carry index does appear to start moving higher in late 2022 or early 2023 as the effect of higher rates started to kick in.

Portfolio 97

Portfolio Management Retirement Accounting 97

MarketWatch

JUNE 29, 2023

Meanwhile, the 5-year yield on Treasury inflation-protected securities, a reflection of market expectations for inflation, rose above 2% and headed for its highest closing level since mid-December of 2008 as of Thursday morning, according to Tradeweb.All three major U.S. s “troubling” fiscal trajectory, among other things.A

Government 75

Government Economy Budgeting Retirement 75

BlueMind

FEBRUARY 15, 2023

Studies by the American College of Financial Services show that 90% of special needs family members and caregivers admit that caring for their loved ones is more important to them than planning for their own retirement. Related: How Financial Advisors Should Engage With Female Clientele?

Financial Planning 97

Financial Planning Clients Planning Financial Advisor 97

Indigo Marketing Agency

DECEMBER 19, 2022

He also hosts the Stay Wealthy Retirement Show , which has been ranked on Forbes Top 10 Retirement Podcasts. Back in 2008, CFP® professional Jeff Rose set out with one intention: create the best financial planner blog in the world. Learn more about Grace on LinkedIn. Taylor Schulte . Guess what? Brittney Castro. Christine Benz.

Financial Advisor 116

Financial Advisor CFP Financial Services Education 116

Nationwide Financial

APRIL 19, 2023

Our recent Advisor Authority survey , powered by the Nationwide Retirement Institute®, found that many investors see a future financial crisis as more of a certainty than a possibility. On top of that, many respondents said they don’t believe their finances will survive the next market downturn.

Clients 64

Clients Financial Planning Economics Retirement 64

BlueMind

SEPTEMBER 11, 2022

Hardly: don’t forget the unexpected and shocking financial crisis of 2008 in the United States which crippled the economy. Investments with a short-term time horizon are best suited for those who would require a large amount of cash in the near future or will be approaching retirement soon.

Risk Tolerance 98

Risk Tolerance Clients Portfolio Investing 98