FMG

SEPTEMBER 16, 2022

Whether retirement planning, technology seminars, or education planning, community events are an efficient way to share your experience with others in your community. One of the most popular types of events in this category is a retirement celebration, which recognizes all of your clients who have successfully retired.

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Random Roger's Retirement Planning

FEBRUARY 29, 2024

Flow Financial Planning blogged about something it calls Coast FIRE. 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.

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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

OCTOBER 25, 2022

Then from about 2013 to 2016, gold struggled and so too did PRPFX. The ten year numbers are awful for PRPFX because gold went down for about 4 years from 2013-2016. Here's how it did back to 2016. During the GFC and a little beyond, gold did very well and PRPFX outperformed by a mile.

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Random Roger's Retirement Planning

JANUARY 18, 2025

The article shows being updated in 2016 but not by me, the URL has the 2004 time stamp. I wrote an article for Motley Fool in May of 2004 saying I didn't want to own the stock and spelled out why. Since then, the stock appears to actually be down.21 21 years later and it's down?

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Random Roger's Retirement Planning

JUNE 26, 2024

In the 11 full and partial years we can see that Portfolio 2 lagged by a lot in 2016 and 2020. You can also see a long run from 2016 to 2021 where it was pretty far behind 60/40. It also avoids interest rate risk and what I've been calling unreliable volatility from longer duration fixed income.

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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? But for someone retired or nearing retirement, this strategy could be fatal to their portfolio. .

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Brown Advisory

NOVEMBER 12, 2015

For example, the filing dates for reporting foreign gifts and foreign accounts will move from March 15 and June 30, respectively, to April 15 for tax years 2016 and beyond (to be clear, these deadlines won’t change this year, the changes take effect in 2017 for 2016 returns). Shift income into the more advantageous tax year.

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Random Roger's Retirement Planning

MARCH 7, 2024

Dropping from $27 down to $16 like in 2016 is a very difficult thing to sit through. I added in price levels of a few peaks along with subsequent declines. There are plenty more than the few I drew into the chart but want to make a simple point about how difficult holding a stock can be. Sometimes the thesis does change and you should sell.

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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. The Tax Policy Center estimates that over five million taxpayers were subject to the AMT in 2017.

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Random Roger's Retirement Planning

AUGUST 7, 2022

This goes back to 2016 to GBTC's apparent inception. In reading about this, what I think they do is allocate an even 20% to stocks, income (bonds), volatility, trend and gold/crypto. Here's the starting point. Here are the results.

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Random Roger's Retirement Planning

AUGUST 5, 2023

It spent so much time running below Portfolio 2 because it lagged by a lot in 2016. Portfolio 1 outperformed in 6 of the 9 years studied with slightly less volatility. Portfolio 1 didn't really provide much cover in 2022 though because HCMDX was down 39% that year. compared to 7.35, had a standard deviation of 8.07 versus 10.32

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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.

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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. 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.

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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! He was associated with UTI AMC (Jul 2006-Sep 2016) as a fund manager, prior to joining IDFC AMC. Expense ratio 0.83% Inception Date February 25, 2016 Exit Load 0.00% No. 1-yr return 7.84

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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. There has long been a sentiment that believes indexing is dumb money. If you are an indexer then this should not be the first time your hearing that.

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Random Roger's Retirement Planning

AUGUST 5, 2022

The portfolio goes back to 2016 so it captures a lot of different market conditions including a couple of crashes for Bitcoin. Here's the first iteration, note that I usually talk about a 1% allocation to Bitcoin, realizing it could go to zero but I decided to use a 2% weighting for this post. And the results.

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Random Roger's Retirement Planning

JANUARY 22, 2023

In 2016 though, MTUM lagged MCW by 700 basis points. 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 2015 it was up 8.93% versus 1.25 In 2020 MTUM was up 29.85% versus 18.37 percentage points.

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WiserAdvisor

JUNE 19, 2022

This number becomes concerning because the 2016 Consumer Finance Survey points out that approximately two-thirds of all households with young children have no savings. Adjust your beneficiaries: When planning for a baby financially, take care not to miss out on adjusting your beneficiaries.

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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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Random Roger's Retirement Planning

FEBRUARY 9, 2023

Gold was mostly in a downtrend from mid-2011 to early 2016. If you target 65% in equities via a simple equity index fund, then that fund will get the CAGRs you see above (or close to it).

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Random Roger's Retirement Planning

JULY 30, 2022

It lagged SPY in the up year of 2016 when it lagged by 130 basis points. In 10 full years plus an 11th partial year for 2022 it outperformed in six of those years. The lag in 2015 was a matter of basis points. The worst full year was 2018 when it was down 5.74% vs 4.55% for SPY and 2.82% for VBAIX.

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Nationwide Financial

FEBRUARY 1, 2023

The sizable outperformance of tech stocks between 2016 and 2021 created valuations that, in many respects, may not be sustainable in the current interest rate environment. The outsized influence of tech company earnings on the S&P 500 is important to understand.

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Random Roger's Retirement Planning

SEPTEMBER 19, 2023

Portfoliovisualizer has its CAGR at 3.44% going back to 2016 and comparing it to a 100% allocation to NTSX since NTSX' inception shows a CAGR of 2.32% versus 12.42 NFDIX has struggled since its inception and Yahoo shows it has having one star from Morningstar.

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Random Roger's Retirement Planning

SEPTEMBER 10, 2024

They deviated in 2022 for the better and also in 2016 when they all lagged VBAIX. BTAL is sort of anti-trend because it shorts high beta. The three versions in this backtest look like VBAIX almost all the time which is ok, VBAIX works almost all the time.

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Random Roger's Retirement Planning

SEPTEMBER 1, 2024

According to the Trinity performance data , from Nov 2016-March-2024, Trinity 3 compounded at 5.08% with a standard deviation of 8.61% and a max drawdown of 15.59%. Ok, it smooths out the ride but I think there are way to get a similar volatility profile but with a little more upcapture, using Trinity's allocation weightings.

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Random Roger's Retirement Planning

AUGUST 31, 2024

The Cambria website reports performance from Nov 2016-March 2024. The second portfolio being near the top for the entire back test makes sense due to having 55% in equities. The portfolio I labeled as Trinity w/Momentum stocks used Trinity 4 as a starting point.

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Random Roger's Retirement Planning

AUGUST 28, 2024

I would also note that managed futures did worse in 2016 than 2018. There's a good chance of getting essentially the same effect with much less risk of being vulnerable to something breaking or at least bending a lot like managed futures in 2018.

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Random Roger's Retirement Planning

MARCH 2, 2023

It lagged badly in 2016, 2019 and 2021. It had a big edge in 2020, which was probably also from Bitcoin. It held up better in 2022 which makes sense because it owns a bunch of stuff that is not equities or bonds. The other day I asked whether you could hang in with a portfolio that lagged badly the first year you implemented it.

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Random Roger's Retirement Planning

JULY 23, 2024

An obvious flaw in the replication we did is that it is just a snapshot based on what the Natixis portfolio looks like today, the portfolio suite goes back to 2016. It is of course much simpler than the Natixis Portfolio. Anyone so interested could track it going forward though by closely following their page.

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Random Roger's Retirement Planning

JANUARY 3, 2025

OTRFX had a phenomenal 2020, it also had a strong 2016 and settled in with the pack the rest of the time. Here's how they've done compared to the iShares 3-7 Year Treasury ETF (IEI). Here's the year by year with 2022 highlighted.

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Random Roger's Retirement Planning

SEPTEMBER 18, 2024

In 2016, SPY was up 12%, managed futures as measured by EBSIX was down 11% and an RSST replication using the two would have been flat which is what I mean by kneecapping upcapture. I think there is the possibility of kneecapping upcapture with heavy allocations to these funds.

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Random Roger's Retirement Planning

JULY 25, 2024

There is a mutual fund version with symbol ENHNX that goes back to 2016. DIVP looks like it owns value stocks that pay a growing dividend and sells call options. The ETF just started trading in March. The mutual fund website compares the fund to the CBOE BuyWrite Index.

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Brown Advisory

JUNE 21, 2017

equity funds in 2016 alone. We understand and appreciate this approach, which is particularly common among endowments, foundations and retirement plans for which tax considerations are not relevant. According to Morningstar (which tracks mutual funds and their performance), more than 80% of all actively managed U.S.

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Brown Advisory

JUNE 21, 2017

equity funds in 2016 alone. We understand and appreciate this approach, which is particularly common among endowments, foundations and retirement plans for which tax considerations are not relevant. According to Morningstar (which tracks mutual funds and their performance), more than 80% of all actively managed U.S.

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Brown Advisory

JANUARY 4, 2016

Mon, 01/04/2016 - 13:57. Institutions, of course, represent the interests of millions of individual investors, whether through mutual funds, retirement plans, insurance companies or other investment accounts. Investment Perspectives | Unicorns: Beyond the Myth.

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Brown Advisory

NOVEMBER 19, 2016

2016 Year-End Planning Letter. Sat, 11/19/2016 - 15:45. . However, the current policy environment remains relatively steady, at least through the end of 2016. As we noted in our midyear letter, it is helpful to build long-term plans on a foundation of stable, incremental yearly steps. Takeaways.

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