Random Roger's Retirement Planning

FEBRUARY 29, 2024

It's a play on FIRE which stands for financial independence/retire early. We've looked at this quite a few times favoring the idea of achieving some measure of financial independence but not so much actually retiring early. where you no longer need to save for retirement or save as much. Additionally on this point.

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Random Roger's Retirement Planning

SEPTEMBER 19, 2023

When I was working on yesterday's post I stumbled back into the Return Stacked 60/40 Absolute Return Index which is a portfolio funds blended together with a lot of embedded leverage in pursuit of capital efficiency. It's a very sophisticated portfolio. Here's what it is in the portfolio and the notional exposures.

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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. The post Bill Miller Retires From Fund Management appeared first on Validea's Guru Investor Blog.

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Random Roger's Retirement Planning

OCTOBER 25, 2022

With all the time we've spent learning about new alternative strategies (new in that they've become accessible in funds for retail sized accounts) and how to incorporate them into a diversified portfolios, I thought it might be worthwhile to revisit a couple of older school alternatives to see how they're doing through the current event.

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The Big Picture

JANUARY 21, 2025

You would offer three of their stock picks where they were probably touting stocks they wanted to unload from their portfolio. 00:12:41 [Speaker Changed] If nothing in your portfolio is performing badly, you’re not diversified. I realized I had enough to retire if I wanted to. That’s 00:12:44 [Speaker Changed] Right.

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Random Roger's Retirement Planning

AUGUST 31, 2024

One of my many quirks (we all have them) is a never ending fascination with investment portfolios that either are or are thought to be sophisticated like the Permanent Portfolio, various endowment portfolios and so on. The Trinity Portfolio by Meb Faber and Cambria Investments is another example. It was up 23% that year.

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Random Roger's Retirement Planning

JUNE 26, 2024

Although the way we articulate these ideas has changed we've basically been having the same conversation about trying to learn how to better diversify the portfolio without giving up too much of the equity market's ergodicity, it's inertia from going up more often than not. The ride is obviously very smooth over a decently long time frame.

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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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Random Roger's Retirement Planning

SEPTEMBER 18, 2024

My interest goes back long before the ReturnStacked ETFs existed and I believe long before the term capital efficiency was common, to Nassim Taleb writing about barbelling returns where most of the risk is allocated to just 10% of a portfolio with the rest in very conservative things like T-bills. Here is some modeling we did on August 19th.

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Random Roger's Retirement Planning

AUGUST 7, 2022

A couple of months ago we looked at The Cockroach Portfolio , a sort of all-weather portfolio that seems like it could be an attempt to update and evolve the Permanent Portfolio which allocates an equal 25% to stocks, long bonds, gold and cash. This goes back to 2016 to GBTC's apparent inception. Here are the results.

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Random Roger's Retirement Planning

MARCH 2, 2023

Over the summer we looked at the Cockroach Portfolio which is an all-weather sort of strategy that is not intended to look like the stock market. Portfolio 2 is the S&P 500 and Portfolio 3 is the Vanguard Balanced Index Fund (VBAIX) which is a proxy for a 60/40 portfolio. It lagged badly in 2016, 2019 and 2021.

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Random Roger's Retirement Planning

AUGUST 5, 2023

The portfolio potentially has 100% notional long exposure but RYMFX and client and personal holding BTAL often have a negative correlation to equities so potentially leveraging down and BIL is a cash proxy which for the time being has higher yield than it's had in ages. compared to 7.35, had a standard deviation of 8.07 versus 10.32

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Good Financial Cents

DECEMBER 22, 2022

Index funds have become popular among the FIRE (financial independence, retire early) crowd, and for a good reason. 2016: 9.54%. One of the challenges of building a diversified portfolio with individual stocks is that some come with a high sticker price of $2,000 per share, $5,000 per share, or more. Invest in Farmland.

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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? . So, how do people who are retired or about to retire combat this inflation? Let’s look at a few of the more common options people choose for their portfolios. . bond market’s prediction of U.S. All Equities.

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Random Roger's Retirement Planning

MARCH 7, 2024

Quite a few client holdings have been in the portfolio for more than 15 years. Dropping from $27 down to $16 like in 2016 is a very difficult thing to sit through. If you ask most market participants, I think they'd say they are "long term" investors but what does long term mean? There are of course many definitions.

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Random Roger's Retirement Planning

FEBRUARY 9, 2023

At the time, those funds were having success because of Hussman's generally defensive portfolio posture. The funds might play a role in a diversified portfolio but hard to peg either one as a single portfolio solution. The idea of a single fund, all-weather portfolio is intellectually appealing even if it probably doesn't exist.

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Random Roger's Retirement Planning

JULY 30, 2022

The first thing I did was plug in the following portfolio and compare it to 100% SPDR S&P 500 (SPY) and 100% Vanguard Balanced Index (VBAIX) which is a proxy for a 60/40 portfolio. Portfolio 1, my concoction, grew from $100,000 to $431,418. It lagged SPY in the up year of 2016 when it lagged by 130 basis points.

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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. That sort of volatility with a low-ish correlation has a place in a diversified portfolio but I think 25% is well past the point of diminished returns. I really am surprised this doesn't create an easily observed differentiated return stream.

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Brown Advisory

NOVEMBER 12, 2015

As always we look to balance your assets between a liquid operating fund for current needs, a core investment portfolio for long-term preservation or appreciation, and an opportunistic pool for timely investments, taking into account your long-term investment objectives as well as any nearterm requirements for funds. tax bracket.

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Random Roger's Retirement Planning

SEPTEMBER 1, 2024

Following up on yesterday's post , I thought of a way articulate the way in which we deconstruct sophisticated portfolios like the Permanent Portfolio, the Cockroach Portfolio or in the case of yesterday's post, the Trinity Portfolio. That sort of portfolio constituency seems very complex to me.

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Good Financial Cents

JULY 6, 2023

Build your portfolio alongside over a million other community members. You can also even choose among professionally curated portfolios that might work better or worse based on your goals and risk preferences. We may be compensated if you click this ad. Ad Want to grow as an investor, no matter your level?

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Random Roger's Retirement Planning

DECEMBER 1, 2023

A quick excerpt from a post a couple of weeks ago about retirement misconceptions. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal. A commenter on a Yahoo article in italics and my reply if he'd have asked me in regular font. Conceptually, that is sustainable.

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Random Roger's Retirement Planning

FEBRUARY 9, 2024

John Authors at Bloomberg goes into better detail including a reference to the Bernstein paper from 2016 that likened indexing to Marxism. A huge priority for me as an advisor is making sure that clients have no worries about meeting their normal, portfolio cash flow needs.

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The Big Picture

AUGUST 20, 2024

Initially I joined to help them manage their equity portfolio. 00:15:57 [Speaker Changed] Portfolio was 00:15:58 [Speaker Changed] The portfolio insurance components, right? So like down to the point the portfolio insurance was consuming somewhere around 30 to 40% of the, the volume on the s and p 500 on a normal basis.

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Brown Advisory

MARCH 28, 2017

We help many of our clients align their portfolios with their values, and screening is one of the tools we employ to accomplish that alignment. Negative screening is still quite common—the US SIF Foundation reported at least $927 billion in identifiable assets being managed under such screens in 2016.

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Brown Advisory

MARCH 28, 2017

We help many of our clients align their portfolios with their values, and screening is one of the tools we employ to accomplish that alignment. Negative screening is still quite common—the US SIF Foundation reported at least $927 billion in identifiable assets being managed under such screens in 2016.

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The Big Picture

OCTOBER 24, 2022

She has a fascinating career, starting a PLS working away up as an analyst and eventually, head of outcome-based strategies for Morningstar, eventually rising from that position and portfolio manager to Chief Investment Officer. Let me give you some background on Morningstar Managed Portfolios. I saw how personal money is.

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Trade Brains

FEBRUARY 14, 2023

Yeah, that lot that talks about terms like compounding, risk profile, returns, retirement planning, budgeting, Investing, and whatnot! It aims to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. Expense ratio 0.83% Inception Date February 25, 2016 Exit Load 0.00% No.

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Random Roger's Retirement Planning

SEPTEMBER 10, 2024

Portfolio 2 uses BTAL as a hedge. They deviated in 2022 for the better and also in 2016 when they all lagged VBAIX. To the excerpt above, the combination of trend and trend reduced risk and improved portfolio stats. To the excerpt above, the combination of trend and trend reduced risk and improved portfolio stats.

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Darrow Wealth Management

JULY 1, 2024

In 2016, it’s widely expected that the 2017 tax laws will revert. Business owners may be able to accelerate tax-deferred savings even more through different retirement plan structures. Asset location means utilizing the tax treatment of different investment accounts to your advantage when investing across your portfolio.

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Random Roger's Retirement Planning

AUGUST 28, 2024

It seems to take a page from client/personal holding Standpoint Multi-Asset (BLNDX) by layering managed futures on top of, in this case, a passive 60/40 portfolio. NTSX is leveraged up such that 67% equals 100% into a 60/40 portfolio. I would also note that managed futures did worse in 2016 than 2018.

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The Irrelevant Investor

NOVEMBER 27, 2016

sectors and indexes have come from their 2016 lows made either in January or February. I'd rather be doing literally anything else than having my retirement hinge on me being able to see the future." For example, say you hold a 60/40 portfolio and the current value is $1 million. The table below shows how far different U.S.

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Random Roger's Retirement Planning

OCTOBER 19, 2022

There was some sort of market event in Sept/Oct 2016 where low volatility funds went down quite a bit more than MCW, but again that was only a month and half. During the 2020 Pandemic Crash, SPLV did a little worse than the S&P 500 and USMV did only slightly better but neither offered protection.

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The Irrelevant Investor

AUGUST 31, 2017

minimize costs, the portfolio did not own all the smaller-capitalization stocks in the S&P 500. In 2016, flows just about matched the previous 4 years combined. The S&P 500 was up 12% in 2016- but Vanguard 500 assets rose by 30%! From May 2015 to February 2016, the S&P 500 fell nearly 16%.

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The Better Letter

DECEMBER 15, 2022

Based on the above, nobody should be surprised that 2022 looks like it will be the worst year for the classic 60:40 portfolio since 1937’s -22 percent. Wes created a hypothetical stock portfolio constructed with perfect foresight, invested entirely in the top decile of stocks based on their performance over the upcoming five years.

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Brown Advisory

JUNE 21, 2017

Instead, they’ve turned to indexing their portfolios to the S&P 500 ® Index or some other relevant benchmark, thereby accepting “average” performance rather than trying for something better. equity funds in 2016 alone. Portfolios with greater active share could be said to reflect more independent thinking on the part of the managers.

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Brown Advisory

JUNE 21, 2017

Instead, they’ve turned to indexing their portfolios to the S&P 500 ® Index or some other relevant benchmark, thereby accepting “average” performance rather than trying for something better. equity funds in 2016 alone. Portfolios with greater active share could be said to reflect more independent thinking on the part of the managers.

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