Brown Advisory

MARCH 28, 2019

The “5% rule” was instituted in 1981 by the IRS; this rule requires private foundations to distribute at least 5% of portfolio assets each year, and over time this rule has been voluntarily adopted by nonprofits of all types. Each “shoestring” curve represents the expected outcomes for various allocation targets, assuming a given spend rate.

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Asset Allocation Portfolio Assets Clients 52

Brown Advisory

MARCH 28, 2019

The “5% rule” was instituted in 1981 by the IRS; this rule requires private foundations to distribute at least 5% of portfolio assets each year, and over time this rule has been voluntarily adopted by nonprofits of all types. Each “shoestring” curve represents the expected outcomes for various allocation targets, assuming a given spend rate.

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Asset Allocation Portfolio Assets Clients 52

The Irrelevant Investor

MARCH 3, 2019

By Ryan Krueger At a 4% initial withdrawal rate, the odds of nearly depleting the portfolio are equal to the odds of growing it by more than 800% By Michael Kitces The most expensive fund in the top ten inflows for 2018 charges 15 basis points By Ryan Kirlin Smart is not a unique skill. That’s why so many smart people don’t outperform.

Asset Allocation 52

Asset Allocation Retirement Accounting Financial Market 52

Random Roger's Retirement Planning

JULY 15, 2023

One seems to apply trend following to multiple assets including a large weighting to equities and the other looks to provide an absolute return strategy that kicks off an income stream. We wrote a few posts last year about the Rational ReSolve Adaptive Asset Allocation Fund (RDMIX) which is intended to be an all weather strategy.

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Management Asset Allocation Portfolio Assets 68

Dear Mr. Market

MAY 27, 2022

There have been a few times in recent history where we didn’t officially touch that magic number (2018 for example) but it was still an absolutely miserable environment. We would argue three, if you look at how nasty 2018 was as we alluded to earlier. On average bear markets actually hit your doorstep every 3.6

Marketing 52

Marketing Marketing Asset Allocation Assets 52

Random Roger's Retirement Planning

AUGUST 18, 2022

I've talked about my asset allocation before being overwhelmingly in cash or cash proxies, about 25% in "normal" equity investments, my exposure to crypto these days might be 2-3% up from 1/2 of a percent from when I bought Bitcoin in late 2018 but down from 6-7% when Bitcoin was higher.

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Retirement Planning Retirement Planning Asset Allocation 92

Brown Advisory

JULY 24, 2018

Strong Defense: The Falling Opportunity Cost of Allocating to Bonds ajackson Tue, 07/24/2018 - 09:25 For years, “defense” in portfolios—i.e., allocations to cash and core fixed income holdings—has meant a willingness to accept extremely low returns. Robust Q1 2018 earnings growth improved the valuation picture for U.S.

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Valuation Economics Asset Allocation Clients 52

Brown Advisory

JULY 24, 2018

Strong Defense: The Falling Opportunity Cost of Allocating to Bonds. Tue, 07/24/2018 - 09:25. allocations to cash and core fixed income holdings—has meant a willingness to accept extremely low returns. Louis Fed) rose above 50 bps at the end of 2016, and since then has ticked up to 180 bps as of June 30, 2018.

Valuation 52

Valuation Economics Asset Allocation Clients 52

Random Roger's Retirement Planning

AUGUST 28, 2022

Rodrigo and Mike manage the Rational/Resolve Adaptive Asset Allocation Fund (RDMIX). Also "capture the risk premiums associated with being long each asset class." It is certainly multi asset, not sure that it is true risk parity versus having been influenced by risk parity. My concern about this fund is how complex it is.

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Portfolio Asset Allocation Assets Clients 75

Truemind Capital

NOVEMBER 29, 2020

There is no price for guessing that gold as an asset class can protect against the risk created by the actions of our policy makers. That’s why we have been adding at least 10% of Gold exposure in our client’s portfolio since 2018. Flood of cheap money is finding its way to the stock markets around the world.

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Asset Allocation Valuation Assets Portfolio 52

Good Financial Cents

MAY 1, 2023

Diversification involves investing in a variety of asset classes, such as stocks, bonds, and cash, to spread out the risk and reduce the impact of market volatility. Rebalance their portfolio : Individuals should regularly rebalance their portfolio to maintain the desired asset allocation and minimize the risks.

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Risk Tolerance Taxes Retirement Retirement Planning 95

Truemind Capital

MARCH 20, 2020

Not knowing how to value assets. Not understanding the role & importance of tactical asset allocation (overweight debt in euphoric times and overweight equity in a time of acute pessimism) in creating superior returns over the long term. Click here to read our blog on market cycles.

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Asset Allocation Valuation Investments Investing 52

eMoney Advisor

DECEMBER 27, 2022

At this level, the focus shifts to growing assets for long-term success and longevity. Routledge Press, 2018. Financial safety includes insurance and an emergency fund to help prepare for unforeseen events and risks. Accumulating wealth refers to growing investments, paying down debt, and saving for retirement. September 17.

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Financial Planning Planning Wealth Management Clients 78

Brown Advisory

JULY 17, 2018

529 Plans And The New Tax Code ajackson Tue, 07/17/2018 - 11:30 You Can Now Use 529s for K-12 Costs—But Should You? The cost of college is growing at an astronomical rate, and Section 529 plans have long helped individuals and families grow assets earmarked for education in a tax-efficient manner. Source: Brown Advisory.

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Taxes Planning Education Distribution 52

Brown Advisory

JULY 17, 2018

Tue, 07/17/2018 - 11:30. The cost of college is growing at an astronomical rate, and Section 529 plans have long helped individuals and families grow assets earmarked for education in a tax-efficient manner. The 2018 tax overhaul expanded the reach of 529 plans beyond college. 529 Plans And The New Tax Code. 1 [link]. .

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Taxes Planning Education Distribution 52

Random Roger's Retirement Planning

DECEMBER 22, 2023

As more of an asset allocator and investor in equity market themes, global macro like John did probably isn't in my wheelhouse but understanding how a well executed strategy in a fund wrapper could help manage volatility, help smooth out the ride, might be in my wheelhouse.

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Portfolio Asset Allocation Accounting Management 74

Random Roger's Retirement Planning

APRIL 9, 2023

Do you even remember why stocks crashed in late 2018? Russia invaded Ukraine. Markets had a slow, steep decline. The pandemic was declared and stocks crashed and snapped back pretty quickly. Do you remember the Taper Tantrum or the drop that coincided with the last time we flirted with the debt ceiling?

Retirement 75

Retirement Asset Allocation Planning Numbers 75

Brown Advisory

MAY 10, 2018

achen Thu, 05/10/2018 - 11:18 Concerns over trade policy and potential trade wars have rattled equity markets in recent months. In this article, our head of asset allocation discusses how we are managing trade risk, while still embracing global growth opportunities in our portfolios. and China in 2018, through early April.

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Economy Portfolio Clients Sales 52

Brown Advisory

MAY 10, 2018

Thu, 05/10/2018 - 11:18. In this article, our head of asset allocation discusses how we are managing trade risk, while still embracing global growth opportunities in our portfolios. As a result, our portfolios currently seek exposure to asset classes and holdings with less dependency on foreign trade. Tariff Recap.

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Economy Portfolio Clients Sales 52

Brown Advisory

AUGUST 1, 2018

Investment Perspectives | Managing Risk ajackson Wed, 08/01/2018 - 10:37 In 1963, Bob Dylan warned us that the times, they are a-changin’—and while he wasn’t talking about capital markets, his words ring as true today for investors as they did for those growing up in the turbulent '60s. Concentration: Much of the U.S.

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Management Investing Investments Valuation 52

Brown Advisory

AUGUST 1, 2018

Wed, 08/01/2018 - 10:37. Several evolving dynamics in the stock market, when taken together, suggest that risk levels have increased a bit over the last year or so: Valuations: To state the obvious, stock prices gained considerable ground during 2017 and are slightly higher so far in 2018. Investment Perspectives | Managing Risk.

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Management Investing Investments Valuation 52

Brown Advisory

OCTOBER 11, 2021

In this brief paper, we will touch on what we believe are some of the most important issues and questions—including the different types of assets, return potential, fees, liquidity, diversification, volatility and transparency—that investment committees must understand as they weigh adding alternatives to their portfolios. Source: BLOOMBERG.

Assets 52

Assets Portfolio Risk Tolerance Asset Allocation 52

Brown Advisory

OCTOBER 11, 2021

In this brief paper, we will touch on what we believe are some of the most important issues and questions—including the different types of assets, return potential, fees, liquidity, diversification, volatility and transparency—that investment committees must understand as they weigh adding alternatives to their portfolios. Source: BLOOMBERG.

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Assets Portfolio Risk Tolerance Asset Allocation 52

Dear Mr. Market

MARCH 17, 2024

We break down and assign each of the four “regions” with an asset class and then pick teams (stocks) that we think have the best chance at doing well relative to others. Betting on the right asset class or area of the world is usually going to bode better for you and also avoids having a collection of stocks that one has to follow.

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Brown Advisory

NOVEMBER 20, 2018

Investment Perspectives | Diversification ajackson Tue, 11/20/2018 - 08:45 Last month’s sudden stock market “correction” serves as a vivid reminder that prices can move down at least as easily as they move up. Like any other asset class, of course, bonds carry risks that must be managed in line with client objectives.

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Investing Investments Assets Portfolio 52

Brown Advisory

NOVEMBER 20, 2018

Tue, 11/20/2018 - 08:45. An important tool in this regard is diversification, or spreading risk across various asset classes and investment opportunities, each of which has a different return profile. Like any other asset class, of course, bonds carry risks that must be managed in line with client objectives.

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Investing Investments Assets Portfolio 52

Dear Mr. Market

JANUARY 25, 2022

Click here for the last time we wrote about it but again… people seem to forget what they ate for breakfast so you may not remember what happened in 2018. Then… all hell broke loose in 2018. Anyway, 2018 was never called a “bear market” because we didn’t hit the proverbial -20% by definition.

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Marketing Marketing Investing Investments 52

Investment Writing

SEPTEMBER 5, 2023

You’ll look at factors such as the contributions of security selection, sector weightings, asset allocation, and maybe even cash positions and the flows of money into and out of the portfolio. It may focus narrowly on the portfolio’s asset class or it may range more broadly to provide context.

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Portfolio Clients Management Investments 52

Investing Caffeine

FEBRUARY 1, 2022

As I have discussed numerous times in the past, money goes where it is treated best, which is why interest rates, cash flows, and valuations play such a key role in ultimately determining long-term values across all asset classes. Normally, mathematics teaches us the lesson that more is better when discussing financial matters.

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Math Assets Investments Investing 52

Carson Wealth

DECEMBER 18, 2023

At Carson Investment Research, we have moved our longer-term strategic asset allocations to their maximum equity overweight while continuing to favor U.S. 31, 2018, through Dec. Stocks may gain 75-100% cumulatively over the next five years, which is 12-15% annualized. Here’s why. But here’s some perspective: From Dec.

Marketing 96

Marketing Marketing Economy Investing 96

Brown Advisory

MARCH 13, 2018

Investment Perspectives | Corrections jsayo Tue, 03/13/2018 - 12:38 The abrupt stock market downturn in February was “officially” a market correction, according to the conventional definition (a market decline of more than 10%). January itself was one of the best months for stocks in decades, as the Dow rose nearly 8%.

Investing 52

Investing Investments Economy Assets 52

Brown Advisory

MARCH 13, 2018

Tue, 03/13/2018 - 12:38. Through January 2018, stocks had risen for 10 straight months, the longest consecutive monthly string since an 11-month streak in 1959. Examples include energy, real estate, certain debt instruments, venture capital, leveraged buyouts, art and other illiquid assets. Investment Perspectives | Corrections.

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Investing Investments Economy Assets 52

Harness Wealth

NOVEMBER 12, 2024

While it’s not always advisable to sell investments at a loss, it may make sense in your situation to consider selling underperforming assets, especially if you’re willing to invest in alternative assets that provide similar exposure without triggering a wash sale. Find your next tax advisor at Harness today. million ($27.98

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Tax Planning Taxes Planning Estate Planning 52

Brown Advisory

NOVEMBER 12, 2019

On the other hand, based on the normal relationship of earnings multiples to interest rates, stocks are meaningfully undervalued relative to bonds and appear to be one of the few asset classes offering the prospect of inflation-beating returns. Census Bureau estimates that population growth in 2018 (0.6%) was the lowest since the 1930s.

Investing 52

Investing Investments Assets Economics 52

Brown Advisory

NOVEMBER 12, 2019

On the other hand, based on the normal relationship of earnings multiples to interest rates, stocks are meaningfully undervalued relative to bonds and appear to be one of the few asset classes offering the prospect of inflation-beating returns. Census Bureau estimates that population growth in 2018 (0.6%) was the lowest since the 1930s.

Investing 52

Investing Investments Assets Economics 52

Investing Caffeine

APRIL 1, 2022

On the surface this sounds scary, but do you remember what happened the last time the Fed tapped the interest rate brakes during 2015 – 2018? If interest rates rise dramatically, all else equal, then that will be challenging for all asset pricing. In the meantime, what are companies doing with this flood of growing cash?

Economy 59

Economy Economics Valuation Investments 59

Brown Advisory

MARCH 30, 2020

For the past year, we have been preparing client portfolios for the end of the extended bull market run that began in 2009—building cash and liquidity reserves, and also exploring opportunities in private and alternative asset classes that historically have offered lower correlation with public markets. Despite the U.S.

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