Random Roger's Retirement Planning

JULY 30, 2022

The lag in 2015 was a matter of basis points. Interesting to me is that it did very well despite BTAL losing almost 25% for the first three and half years of this portfolio and RYMFX losing 15% in the first two years and then dropping 33% in another downtrend from mid 2015 to early 2019.

Portfolio 75

Portfolio Accounting Clients Marketing 75

Random Roger's Retirement Planning

JUNE 6, 2024

In the backtest it was down 3.65% in 2015, that worst year was 2018 and in 2022 it was only down 2.72%. I am surprised how closely it tracks to VBAIX. It outperforms by a little, is a little less volatile but outperformed meaningfully in 2022.

Asset Allocation 92

Asset Allocation Retail Clients Taxes 92

Random Roger's Retirement Planning

JULY 2, 2024

From 2015 forward, the S&P 500 was up 20% or more four times. And for MTUM Since it listed in 2015, SPMO has compounded at 16.48% versus 13.36 To my point about being an unsolved puzzle, there's no pattern or consistency to when a given factor will outperform. for MTUM and 13.81 for VOO.

Portfolio 59

Portfolio Investing Investments Taxes 59

Random Roger's Retirement Planning

AUGUST 5, 2023

Turns out there's a mutual fund version with symbol HCMDX with a track record back to 2015. Related to leverage, @nomadicsammuel on Twitter found a new ETF called the Direxion HCM Tactical Enhanced US ETF (HCMT). The basic strategy is that it can lever up to 200% long equity exposure based on its HCM Buyline Method.

Portfolio 93

Portfolio Clients Taxes Numbers 93

Random Roger's Retirement Planning

JUNE 22, 2024

XME fell 50% in 2015 and then made it all back with a 106% gain in 2016. Blending 25% in with ACWI helped in 2022 but otherwise it's not much different than 100% in ACWI. I really am surprised this doesn't create an easily observed differentiated return stream.

Portfolio 98

Portfolio Distribution Marketing Marketing 98

Random Roger's Retirement Planning

JANUARY 22, 2023

In 2015 it was up 8.93% versus 1.25 Switching from MCW to SCHD now, after a great year is an example of chasing last year's winner that I have mentioned before. A more glaring example might be with iShares US Momentum ETF (MTUM). In 2016 though, MTUM lagged MCW by 700 basis points. In 2020 MTUM was up 29.85% versus 18.37 percentage points.

Numbers 74

Numbers Clients Marketing Marketing 74

Random Roger's Retirement Planning

SEPTEMBER 30, 2024

Another highlight was in 2015 (I think), right after the Fitbit IPO. They started calling every week wanting me to come on to talk about things I didn't know about (not their fault, they couldn't have known) and I saw no upside plus back then, going on the air meant driving down to Phoenix which I didn't want to do.

Numbers 81

Numbers Taxes Investments Investing 81

Random Roger's Retirement Planning

DECEMBER 21, 2023

If there is another flash crash like 2011 or 2015, there was a lot of ground gained back before markets closed on those days. 0dte's would have also recovered and expired if they had existed back then. I'm not saying selling 0dte's can't blow up, they can, it just isn't clear what it would look like.

Portfolio 75

Portfolio Asset Allocation Marketing Marketing 75

Indigo Marketing Agency

DECEMBER 19, 2022

She’s given over 600 presentations to more than 10,000 financial professionals since 2015. Christine Benz is the Director of Personal Financial and Retirement Planning at Morningstar and she also co-hosts The Long View podcast with Jeff Ptak. You can check Sam out on YouTube here. . Michael Kitces. Christine Benz.

Financial Advisor 116

Financial Advisor CFP Financial Services Education 116

Random Roger's Retirement Planning

SEPTEMBER 3, 2024

The worst year for 3x was either 2015 when the S&P 500 was up a little and the 3x was down 5% or it was 2020 when the S&P was up 18% and 3x was only up 9%. If you spend the time, I'm sure it would be easy to tease out periods where the difference between 1x and 2x was not pretty close.

Portfolio 52

Portfolio Taxes Accounting Clients 52

Indigo Marketing Agency

JANUARY 17, 2022

She’s given over 600 presentations to more than 10,000 financial professionals since 2015. Chris Chen Chris Chen is a CFP® professional, dad, sailor, and wealth strategist who specializes in retirement planning, investment management, and divorce planning at Insight Financial Strategists.

Financial Advisor 52

Financial Advisor CFP Financial Services Education 52

Sara Grillo

AUGUST 14, 2023

in Financial and Retirement Income Planning from The American College of Financial Services, where he was named the Sievert-Sternberg Doctoral Research Fellow, and is currently pursuing a Doctor of Criminal Justice degree from Northcentral University. In early 2015, Scott sold his ownership interest in the firm.

Financial Advisor 52

Financial Advisor Fiduciary Duty Insurance Financial Advice 52

Brown Advisory

JANUARY 4, 2016

It appears that 2015 will go down as the slowest year for technology IPOs since 2009, according to Renaissance Capital. Institutions, of course, represent the interests of millions of individual investors, whether through mutual funds, retirement plans, insurance companies or other investment accounts.

Investing 52

Investing Investments Numbers Valuation 52

Good Financial Cents

DECEMBER 28, 2022

Contribution Year 49 and Under 50 and Over (Catch Up) 2023 $6,500 $7,500 2022 $6,000 $7,000 2020 $6,000 $7,000 2019 $6,000 $7,000 2018 $5,500 $6,500 2017 $5,500 $6,500 2016 $5,500 $6,500 2015 $5,500 $6,500 2014 $5,500 $6,500 2013 $5,500 $6,500 2012 $5,000 $6,000 2011 $5,000 $6,000 2010 $5,000 $6,000 2009 $5,000 $6,000.

Distribution 105

Distribution Taxes Retirement Accounting 105

Random Roger's Retirement Planning

FEBRUARY 29, 2024

Being able to sit in a name when it is lagging, like the blue bar in 2015 or the red bar in 2016, requires a lot of patience but that patience is more easily found when you think in terms of stocks being long duration assets regardless of whether 18 years is the right number or not.

Retirement 98

Retirement Assets Portfolio Financial Planning 98

Random Roger's Retirement Planning

OCTOBER 10, 2023

Bob's portfolio had very rough years in 2015 and 2018 and it did very well in 2017, 2019, 2021 and of course 2022. Both KKR and APO go up more than the broad market in up trends and go down more when the broad market is dropping. The result versus just holding VBAIX. The portfolio is intriguing of course, Elliott is a smart guy.

Portfolio 98

Portfolio Assets Management Marketing 98

Nationwide Financial

MAY 18, 2023

Raising a child can be expensive, but tools like Health Savings Accounts, college savings plans, Flexible Spending Accounts and child tax credits can help lessen the financial burden for clients. 1 BY 2022, inflation adjustments boosted those costs by 23%, ranging from $16,007 to $17,141 per child.

Clients 98

Clients Insurance Accounting Taxes 98

Walkner Condon Financial Advisors

JUNE 27, 2023

I know this feeling because I lost my job 2015. Retirement plans. Taking action on your former employer retirement plan usually isn’t going to be as top of mind as health insurance, filing for unemployment benefits, short-term cash flow, etc. hence why those topics are addressed earlier in the blog!).

Insurance 52

Insurance Insurance Coverage Compensation Planning Financial Advisor 52

Walkner Condon Financial Advisors

JUNE 27, 2023

I know this feeling because I lost my job 2015. Retirement plans. Taking action on your former employer retirement plan usually isn’t going to be as top of mind as health insurance, filing for unemployment benefits, short-term cash flow, etc. hence why those topics are addressed earlier in the blog!).

Insurance 52

Insurance Insurance Coverage Compensation Planning Financial Advisor 52

Sara Grillo

AUGUST 26, 2024

In early 2015, Scott sold his ownership interest in the firm. in Financial and Retirement Income Planning from The American College of Financial Services, where he was named the Sievert-Sternberg Doctoral Research Fellow, and is currently pursuing a Doctor of Criminal Justice degree from Northcentral University.

License 52

License Financial Advisor Certified Financial Planner CFP 52

Random Roger's Retirement Planning

MAY 11, 2024

I backtested May, 2015 to May 2018 which included one pretty good year, one average year and portions of two years that were flat. There seems to be a lot variables here but lets just keep it simple for now and assume someone's age 62 payout it $2000/mo. They'd be able to put in all $2000 in for three years before Medicare starts.

Retirement 66

Retirement Planning Taxes Accounting 66

Nationwide Financial

JANUARY 5, 2023

LGBTQ+ adults were not legally permitted to marry their romantic partners nationwide, nor receive the 1,100+ legal benefits and protections that come along with marriage, until the United States Supreme Court’s Windsor and Obergefell decisions in 2013 and 2015, respectively 3.

Planning 64

Planning Clients Insurance Budgeting 64

Sara Grillo

APRIL 10, 2023

In early 2015, Scott sold his ownership interest in the firm. Joshua Gonzalez As a Financial Adviser, Josh provides a wide range of personalized, comprehensive financial planning services to his clients, including retirement planning, investment advice, and estate planning. He started Firstmetric a few years later.

Investing 52

Investing Investments CFP Financial Advisor 52

WiserAdvisor

NOVEMBER 21, 2022

Opening Individual Retirement Accounts (IRAs) and managing your 401(k). Retirement planning, estate planning, tax planning. According to a 2015 survey by FPSB, 68% of consumers regard trustworthiness as the most important trait of a financial planner. Understanding how to get Social Security benefits.

Certified Financial Planner 40

Certified Financial Planner Financial Planner CFP Financial Planning 40

Sara Grillo

JUNE 12, 2023

In 2015, they came out with AG 49 because the crediting rates appeared similar from company to company but were actually very different. To What If Analysis, what if I pay… So I’m doing my cash flow planning in my retirement plan, and I say, You know, I don’t wanna have to pay for in as a retirement.

Insurance 59

Insurance Clients Financial Advisor Math 59

Sara Grillo

NOVEMBER 14, 2022

In early 2015, Scott sold his ownership interest in the firm. As a litigation economist, he specialized in retirement plan valuation and rendered thousands of opinions regarding defined benefit and defined contribution retirement plans property matters for divorcing couples.

Insurance 59

Insurance Retirement Financial Advisor License 59

Nationwide Financial

DECEMBER 30, 2022

As we know, the detrimental impact of reduced annual earnings compounds over time, which negatively impacts LGBTQ+ individuals financial futures and planning. Retirement planning. Another way to help with retirement planning is making sure your clients have a life insurance plan. Planning for Children.

Clients 52

Clients Planning Retirement Planning Taxes 52

Random Roger's Retirement Planning

OCTOBER 28, 2024

All five funds really struggled from 2015-2020 but there was variation among the five. You wouldn't say they are lowly correlated but the correlations aren't that tight so maybe there is some insulation against things going wrong versus putting 25% into just one managed futures fund. We looked at a similar chart the other day.

Risk Management 52

Risk Management Management Portfolio Numbers 52

The Irrelevant Investor

AUGUST 9, 2018

workers participate in an employer-sponsored retirement plan. ( They cite a study that looked at share buybacks in the restaurant, retail, and food industries from 2015 to 2017. Just 27% of the middle class owns at least $10,000 in equities, compared with 94% of the wealthiest households. ( Ben Carlson ) Only 45% of U.S.

Economics 52

Economics Investing Investments Distribution 52