Nerd's Eye View

JANUARY 11, 2023

In fact, until earlier this year, the average 30-year fixed mortgage rate had stayed below 5% since 2010 (and below 7% since 2001). Regardless of whether a client is an aspiring first-time homebuyer or considering downsizing in retirement, advisors can add value by helping their clients navigate higher mortgage-rate environments!

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Clients Financial Advisor Financial Planning Media 130

Random Roger's Retirement Planning

APRIL 22, 2024

For however long I've been a broken record on this, I've avoided trying predict anything since probably 2010, I learned a lesson at some point back then about how silly it is to try to predict interest rates. I found an interview I did with Seeking Alpha in late 2010 that made its way to NASDAQ.com. Here's the relevant excerpt.

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Marketing Marketing Financial Advising Math 98

Random Roger's Retirement Planning

APRIL 9, 2024

Picture retiring in 2010 versus 2020. The S&P 500 was down 22% for the 10 years ending 1/1/2010 while the ten years ending 1/1/2020 it was up 189%. One fascinating point looked at getting great market returns later in your accumulation period versus earlier. This is in the neighborhood of sequence of return.

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Management Retirement Planning Portfolio Retirement 98

Good Financial Cents

DECEMBER 28, 2022

Opening a Roth IRA can be a smart move if you want to invest for retirement and save money on taxes later in life. When you’re ready to take distributions from your Roth IRA in retirement (or after age 59 ½), you won’t pay income taxes on your distributions, either. Retirement Account Conversions Allowed.

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Distribution Taxes Retirement Accounting 105

Random Roger's Retirement Planning

JANUARY 10, 2024

Every now and then we talk about expat living as part of a retirement plan, usually the context is an underfunded retirement plan. We've been saying for years, as the strategy was lagging throughout the 2010's, it was doing what it should, maintaining its negative correlation to equities. We've talked about here as well.

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Retirement Planning Portfolio Retirement Planning 98

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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Random Roger's Retirement Planning

APRIL 3, 2024

The 2010's was a rough decade for managed futures in nominal terms. 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.

Numbers 96

Numbers Portfolio Management Retirement 96

WiserAdvisor

FEBRUARY 29, 2024

Navigating the complex world of personal finance, especially with retirement looming on the horizon, can be daunting. Working with a financial advisor can significantly enhance your chances of retiring with more wealth. Hiring the best financial advisors for retirement can lead to better savings and investment outcomes.

Financial Advisor 45

Financial Advisor Retirement Asset Allocation Risk Tolerance 45

Random Roger's Retirement Planning

APRIL 11, 2024

If you've done research on managed futures then you've probably read what a rough decade the 2010's were for the strategy. Maybe it's as simple as equities went up a lot but either way from 2010 through 2019, RYMFX negatively compounded at 2.07% and AQMIX compounded annually at a positive 77 basis points.

Management 93

Management Taxes Accounting Portfolio 93

Random Roger's Retirement Planning

NOVEMBER 23, 2023

A couple of interesting retirement-related reads that I want to try to weave together. First was a very long read titled The End of Retirement written by Cathrin Bradbury. Bradbury is a retired journalist in Canada. If you read the whole thing, you might pick up some different attitudes, culturally, toward retirement and aging.

Retirement 75

Retirement Portfolio Taxes Management 75

NAIFA Advisor Today

APRIL 24, 2023

Blair worked for SSA for 35 years before retiring on December 31, 2010. So, he sought out an expert and was referred to Jim Blair , then the District Manager of the Piqua, OH, Social Security office.

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Certification Retirement Management 52

Random Roger's Retirement Planning

APRIL 16, 2024

I gave that up in something like 2010. The front of the curve is ok and of course there are segments of the equity market that take interest rate risk but that kind of volatility from equities is fine, I don't want it from income sectors. We've written countless posts on this for many years. Isolating the risk was easy.

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Taxes Marketing Marketing Investing 93

Random Roger's Retirement Planning

NOVEMBER 21, 2024

It has been challenging as we've talked about in other posts recently but I believe the 2010's were even worse. Check out the following. To my knowledge, RYMFX was the first managed futures mutual fund and it had the space to itself for several years after in launched in 2007.

Asset Allocation 52

Asset Allocation Management Portfolio Taxes 52

The Better Letter

MARCH 27, 2025

” 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.” percent, and he retired following 30 years as an MLB umpire after the season. ” Robots don’t share those problems. He was promoted to the majors in 2023.

Accounting 60

Accounting Food Retirement Electronics 60

Carson Wealth

JUNE 10, 2024

An aging population, with more people retiring and leaving the labor force every day, can also make the numbers noisier. The 6% aggregate income growth we’re experiencing provides a good first estimate of nominal GDP growth, and that’s above the 2010-2019 trend of about 4%.

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Marketing Marketing Economy Numbers 143

Random Roger's Retirement Planning

JUNE 2, 2024

The firm has been running the Alpha Simplex Managed Futures Strategy Fund (ASFYX) since 2010. The paper seems to support the very new Alpha Simplex Managed Futures ETF (ASMF) which started trading in mid-May.

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Management Retail Investing Investments 98

Carson Wealth

AUGUST 30, 2023

From 1990 to 2010, the divorce rate for people over 50 doubled. And facing retirement as a single person instead of as part of a couple carries financial risks too, requiring careful consideration of health care decisions and living arrangements. Another area to be thoughtful about is how retirement assets get divided.

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Retirement Planning Financial Advisor Retirement Assets 52

Nationwide Financial

MAY 19, 2023

For business owners whose retirement may be 10 or even 15 or more years away, it’s easy to find reasons to put off succession planning. Even when retirement is many years away, owners often view their business as a legacy they can pass on to the next generations of their family.

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Planning Clients Insurance Retirement 52

Random Roger's Retirement Planning

MAY 4, 2024

For a few years in the 2010's, I had a side gig working for ETF provider AdvisorShares. One of my regular tasks was a quick, monthly call with each fund manager reviewing what happened and maybe getting some sort of forward look from them.

Portfolio 89

Portfolio Management Taxes Assets 89

Random Roger's Retirement Planning

JULY 5, 2024

We've gone over the extent to which the 2010's were by and large terrible for managed futures. So maybe the 2010's were a coincidence. Managed futures did have a couple of fine years in the 2010's in the context of being a diversifier which is how we view the strategy here. Could such a terrible run repeat?

Management 52

Management Portfolio Assets Taxes 52

Getting Your Financial Ducks In A Row

OCTOBER 10, 2022

A Private Letter Ruling (PLR) from 2010 presents an interesting outcome from an indirect rollover – a rollover that was not done in a trustee-to-trustee transfer. Photo credit: jb.

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Distribution Planning Retirement Planning Retirement 73

Good Financial Cents

AUGUST 23, 2022

However, Fundrise has performed well since the company’s inception in 2010. A Roth IRA is a type of retirement account that can be funded with after-tax income. However, you cannot withdraw your earnings without a penalty before you reach retirement age, or at least 59 ½. Ad Looking forward to your retirement?

Investing 116

Investing Investments Accounting Banking 116

Ballast Advisors

NOVEMBER 20, 2023

As we bid adieu to this year, it’s a golden opportunity for savvy investors and retirement planners to give their strategies a once-over, particularly when it comes to Roth IRA conversions. Since 2010, everyone, regardless of income, can join in. Reach out to us today, and let’s make your retirement planning shine.

Planning 52

Planning Financial Planner Taxes Retirement Planning 52

Random Roger's Retirement Planning

JANUARY 24, 2023

The catalyst for this post was a Tweet from Adam Butler who talked about a backdrop in the 2010's the promoted speculation and what he called Minskyian Moral Hazard (a nod to Hyman Minsky). Of course, there's an argument that index funds aren't really passive because of how the indexes are constructed.

Management 75

Management Portfolio Accounting Retail 75

eMoney Advisor

NOVEMBER 15, 2022

4 Saving for retirement and other milestones definitely takes willpower, but it turns out that feelings of thankfulness can help us persevere. ” Greater Good Magazine , November 10, 2010. 3 A 2020 study took this a step further and found that gratitude also promotes risk aversion. A Potential Antidote to Money Stress.

Financial Planning 76

Financial Planning Planning Clients CFP 76

Random Roger's Retirement Planning

OCTOBER 10, 2022

I am absolutely a believer in the strategy even though it generally did poorly for most of the 2010's. We've written a lot about managed futures during this bear market as well as during the financial crisis. It worked during that stretch though for maintaining its negative to low correlation to equities as equities rocketed higher.

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Random Roger's Retirement Planning

DECEMBER 22, 2024

The current funk is nowhere near as long as the languishment of the 2010's though. Looking at the history of a backtest is different than enduring a dry spell. Managed futures is a phenomenal diversifier but has been in a funk for awhile. Where we allocated 10% to second responders, only one of the models has all 10% in managed futures.

Portfolio 52

Portfolio Management Clients Asset Allocation 52

Random Roger's Retirement Planning

MARCH 22, 2024

The space languished for most of the 2010's. I write all the time about managed futures as a diversifier and being able to live with the reality that managed futures will probably struggle when stocks are going up. This year is kind of an anomaly so far. Stocks are up and so are a lot of the managed futures funds.

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Management Portfolio Marketing Marketing 95

Random Roger's Retirement Planning

OCTOBER 10, 2023

Then you have to go back to year end June 2010 to find another year that VBAIX outperformed. Looking at a few other years, the year ending June 2021 Yale up 40% versus 20% for VBAIX. Year ending June 30, 2020 had Yale up 6.8% with VBAIX up 5%. In 2019 VBAIX outperformed by 221 basis points.

Portfolio 98

Portfolio Assets Management Marketing 98

Yardley Wealth Management

AUGUST 24, 2020

For millennials saving for retirement, time is on their side when it comes to making money with long-term investments in the stock market. Born in the early 80s through the mid-90s, this generation can weather market volatility better than investors closer to retirement. There’s an old saying that time is money. Sure, the U.S.

Investing 40

Investing Investments Wealth Management Estate Planning 40

Random Roger's Retirement Planning

FEBRUARY 7, 2023

Read the article but substitute ETF anytime it uses the word alternatives or any synonyms because this article read like one of the countless late to the part articles about ETFs from 2007 to maybe 2010.

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Planning Management Investing Investments 73

Walkner Condon Financial Advisors

MAY 31, 2024

Beginning in 2010, Roth IRA conversions became available to every income level, thus making backdoor Roth IRA contributions a viable tax strategy. Benefits: Some people find themselves between jobs or in early retirement and they don’t have much taxable income. One of the reasons to consider could be taxes.

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Taxes Financial Advisor Tax Planning Distribution 105

Clever Girl Finance

SEPTEMBER 13, 2022

Retired or Limited Hermes Constance bag sizes. While the fashion Maison is still manufacturing all the above Hermes Constance sizes, various limited editions have been retired or are created in limited quantities/editions. The Hermes Constance 23 is a retired model introduced in 2007 and discontinued in 2009.

Retirement 52

Retirement Budgeting Commission Retail 52

Trade Brains

FEBRUARY 14, 2023

Yeah, that lot that talks about terms like compounding, risk profile, returns, retirement planning, budgeting, Investing, and whatnot! He is associated with ICICI Prudential Asset Management Company Limited since June 2010. of Stocks Held 68 This is a retirement solution-oriented mutual fund scheme from HDFC Mutual Fund.

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Healthcare Retirement Investing Investments 59

The Big Picture

DECEMBER 27, 2023

Barry Ritholtz : So not a lot of inventory, but if you are a seller, perhaps you’re retiring or downsizing. Barry Ritholtz : I have a vivid recollection of people in 2009 and 2010. [Yes] They wait until the coast is clear, and that’s what we’re going through right now. That era is long gone.

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Sales Numbers Marketing Marketing 147

Random Roger's Retirement Planning

OCTOBER 23, 2022

It was titled Should Investors Try To Hedge Tail Risk which I wrote in 2010. In doing some research for another post, I found an old blog I wrote ages ago that touches on the same area. It makes for interesting reading because how many fewer ways there were to protect against extreme market events back then.

Portfolio 71

Portfolio Assets Management Retail 71

Random Roger's Retirement Planning

APRIL 16, 2023

I've been part of the planning committee for this drill since 2010, maybe 2009 and a participant since 2003. For a volunteer department like ours, there will be some years where the drill is our only live fire hours so it is very important.

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Engineering Planning Accounting 98