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.

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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.

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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%.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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The Irrelevant Investor

JUNE 7, 2022

savings rate lowest since 2008 Buy now pay later companies being tested Housing affordability Ric Edelman on Crypto, retirement planning, the advice business, and more Bipartisan Crypto bill Solana suffered its second outage in a month Coinbase slowing hiring The Netflix token The U.S.

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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.

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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.

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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.

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Indigo Marketing Agency

AUGUST 23, 2023

After facing the challenges of a post-2008 financial crisis world, many have thrived as entrepreneurs and in higher career roles. Comprehensive Financial Planning Beyond debt, millennials seek comprehensive financial advice. They need help initiating or boosting retirement plans, and saving prudently.

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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. Putting it all into an S&P 500 index fund would run into trouble if the period in question included a 2008 when the index cut in half.

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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.

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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.

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Tucker Advisors

NOVEMBER 3, 2021

While the market remains strong, how does this news affect the savings of retirees or those about to retire? . That tops the inflation fears that surged in 2008, just before the financial crisis, and a previous peak in early 2005, when the housing market was out of control.” . bond market’s prediction of U.S.

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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.

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Random Roger's Retirement Planning

FEBRUARY 28, 2025

There were places to make money during that run, most notably foreign stocks and equal weight S&P 500, that ETF came out in 2003 and had very good years until 2008. That's a long time for a broad based index to not make any progress. It then had a huge snap back year in 2009.

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Random Roger's Retirement Planning

MARCH 26, 2024

PRPFX outperformed 60/40 in 2008 by almost 12 percentage points and in 2022 by 11 1/2 percentage points. Bank loan funds are mostly lower risk but the space did blow up in 2008. For the last ten years, 60/40 has blown away PRPFX and the standard deviation numbers for PRPFX in that time were only so so.

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Random Roger's Retirement Planning

JUNE 2, 2024

Here's an article I wrote for theStreet.com in March, 2008 about the Rydex (now Guggenheim) Managed Futures (RYMFX). Yes, DBMF having the word strategy in the name is confusing but logically, there will be times where replication will outperform and times where it lags so saying one is better isn't the way to frame it.

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Validea

NOVEMBER 1, 2022

stock market didn’t completely recover from the 2008 financial crisis until well into 2013. Usually those goals involve a retirement plan, and you shouldn’t ever invest more than you’re prepared to lose. Forbes offers 3 pieces of advice to increase future wealth, on the assumption that the economy will take some time to rebound.

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Marketing Marketing Retirement Planning Economy 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.

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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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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

JUNE 7, 2023

Two of the three where Portfolio 1 outperformed were 2008 and 2022 which supports the idea of managed futures offering a form of crisis alpha. 70% then becomes an overweight versus a more typical 60% so ok a little more risk in the face of a 2008 type of decline. This is all very interesting stuff.

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Random Roger's Retirement Planning

JANUARY 27, 2024

For comparison, from 2008 forward, the S&P 500 had a CAGR of 7.65% and a standard deviation of 16.19%. RQI and UTF have each been around since at least 2008 and they too have compounded negatively, again, we are excluding the income because that is the author's premise. There is also inflation risk.

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SEI

AUGUST 2, 2022

Retirement plan sponsors. We are currently experiencing one of the most volatile times in decades, on top of the start of the pandemic and the 2008-2009 recession. Investments and economy. OCIO/Investment outsourcing. Nonprofits and healthcare organizations. Institutional (US).

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Random Roger's Retirement Planning

JUNE 16, 2024

In 2008, JNJ was down just under 8% and in 2022 it was up about 7%. The next time the stock market drops 30-40%, I'd expect certain holdings like MSI to fall more and I'd expect some holdings to go down less (or maybe even up in a couple of instances). While that seems reliable to me, it's not infallible for future market events.

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Random Roger's Retirement Planning

DECEMBER 22, 2024

We spend a lot of time here on how to diversify to try to smooth out the ride and how to hold up better when markets have a year like 2022 or 2008. Diversification offsets the consequence of guessing what will work and being wrong. For us, that includes alternatives. Barron's had an article about alternatives sought by the "super rich.

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Random Roger's Retirement Planning

JUNE 5, 2024

Starting back in 2007 or 2008 I wrote about his barbell portfolio idea that goes very high risk with 10% of the portfolio in search of asymmetric returns and then very conservative with the other 90%. It's an interesting idea and if CAOS turns out to not be the answer, maybe something else in the future will be.

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Random Roger's Retirement Planning

APRIL 17, 2024

The reader back then didn't specify which funds but since 2008, Hussman's two most prominent funds have compounded at -4.15% and 3.16% versus 7.52% for Vanguard Balanced Index Fund (VBAIX). Back in the financial crisis, a reader left a comment about just "putting it all in Hussman" and forget about it.

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Trade Brains

AUGUST 19, 2022

Get money rich (GMR) blog is run by Mani (founded in 2008). Stable Investor also provides various financial services like financial planning, retirement planning, children’s future planning, etc. You can also learn about stock market investing in Trade Brains’ recently launched android mobile app.

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Indigo Marketing Agency

OCTOBER 6, 2020

And although they’ve gotten off to a rocky start after the Great Recession of 2008, many have found success as entrepreneurs and in higher-level positions in their careers. . In fact, I’m one of the oldest of the millennial generation and I need help from my advisor with all of the following: Retirement planning. Tax planning.

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