Random Roger's Retirement Planning

JUNE 6, 2024

Blogger Nomadic Samuel posted an interview with Jay Kaeppel who has an interesting spin on asset allocation with what he describes as 30/30/30/10. 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.

Asset Allocation 92

Asset Allocation Retail Clients Taxes 92

Brown Advisory

MARCH 28, 2019

One of our firm’s strategic advisors was on the Reagan-era tax policy team that implemented the 5% rule; they sought to ensure that private foundations did not become favorable havens for tax-free growth. The “shoestring curve” below depicts these risks for a hypothetical portfolio, assuming various asset allocation targets.

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Asset Allocation Portfolio Assets Clients 52

Brown Advisory

MARCH 28, 2019

One of our firm’s strategic advisors was on the Reagan-era tax policy team that implemented the 5% rule; they sought to ensure that private foundations did not become favorable havens for tax-free growth. The “shoestring curve” below depicts these risks for a hypothetical portfolio, assuming various asset allocation targets.

Asset Allocation 52

Asset Allocation Portfolio Assets Clients 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

eMoney Advisor

DECEMBER 27, 2022

Legacy covers estate and tax planning, and business succession planning if applicable, connecting with self-actualization in Maslow’s pyramid. It is not meant to be, and should not be taken as financial, legal, tax or other professional advice. Routledge Press, 2018. Visualizing the Hierarchy of Financial Needs.”

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Random Roger's Retirement Planning

JULY 15, 2023

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. in 2018 when VBAIX dropped 2.8%, not very all weatherish. Managed futures is great but it did badly in 2018, a down year for plain vanilla 60/40.

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Management Asset Allocation Portfolio Assets 68

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.

Valuation 52

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.

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Valuation Economics Asset Allocation Clients 52

Truemind Capital

NOVEMBER 29, 2020

levied higher taxes on people to generate revenue for expenditure. Rome’s trade by severely hit by triangular problems of hyperinflation, high taxes and worthless currency. 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.

Asset Allocation 52

Asset Allocation Valuation Assets Portfolio 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.

Portfolio 74

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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. From an economic perspective, growth in the U.S.

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Brown Advisory

AUGUST 1, 2018

Wed, 08/01/2018 - 10:37. continues apace and has even accelerated somewhat, thanks in part to the corporate tax reductions enacted late last year. In the 18 months ending June 30, 2018, the Russell 1000 ® Growth Index rose 39.7%, compared to the Russell 1000 ® Value Index’s increase of 11.7%. Concentration: Much of the U.S.

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Management Investing Investments Valuation 52

The Big Picture

AUGUST 20, 2024

If you recall, back in 2018, vol Mageddon, he was on the right side of that trade, made hundreds of millions of dollars for his firm in identifying a structural problem that was about to blow up. But before I leave the teal macro, I gotta ask you about the famous Vage trade in 2018. You were subject to the 75% marginal tax rate.

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Assets Management Portfolio Marketing 173

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.

Economy 52

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. FACT: The tariffs announced so far in 2018 affect a small sliver of the global economy. and China in 2018, through early April.

Economy 52

Economy Portfolio Clients Sales 52

Investing Caffeine

MAY 2, 2022

No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. Please read disclosure language on IC Contact page.

Electronics 59

Electronics Economy CFP Government 59

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%). Even without an acceleration in spending, the new tax legislation may act as a stimulus to the economy.

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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. As worries mounted with regard to higher inflation and interest rates, investors refocused on the stimulative influence of the Tax Cuts and Jobs Act.

Investing 52

Investing Investments Economy Assets 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? No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision.

Economy 59

Economy Economics Valuation Investments 59

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. From a fundamental perspective, the same macro themes that drive one part of an asset class tend to drive another.

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Investing Investments Assets Portfolio 52

Brown Advisory

NOVEMBER 20, 2018

Tue, 11/20/2018 - 08:45. Deficit spending, resulting in part from the late 2017 tax reform legislation, is adding to the national debt at a rapid pace that will only worsen as interest rates climb. Correlations Among Asset Classes (Based on 10-Year Returns as of 9/30/2018). investment-grade tax-exempt bond market.

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Investing Investments Assets Portfolio 52

Investing Caffeine

FEBRUARY 1, 2022

Many people have short memories and forget the Fed hiked interest rates 10 times from the end of 2015 through 2018. No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision.

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Math Assets Investing Investments 52

Brown Advisory

OCTOBER 11, 2021

We believe that the investment return needed to achieve that objective should be the most important guidepost for a portfolio’s asset allocation. With traditional assets like stocks and bonds at high valuations, the implications for future returns of those assets may be underwhelming. Source: BLOOMBERG.

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Assets Portfolio Risk Tolerance Asset Allocation 52

Brown Advisory

OCTOBER 11, 2021

We believe that the investment return needed to achieve that objective should be the most important guidepost for a portfolio’s asset allocation. With traditional assets like stocks and bonds at high valuations, the implications for future returns of those assets may be underwhelming. Source: BLOOMBERG.

Assets 52

Assets Portfolio Risk Tolerance Asset Allocation 52

Brown Advisory

MARCH 30, 2020

Consider how we defined investment risk in our 2018 asset allocation publication, Confronting the Unknown: “The probability that a portfolio will not meet an investor’s needs.” Federal Reserve’s steep rate cuts in March, bond yields broadly rose due to widespread sales of fixed income assets. Despite the U.S.

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Management Marketing Marketing Clients 52

Brown Advisory

MARCH 30, 2020

Consider how we defined investment risk in our 2018 asset allocation publication, Confronting the Unknown: “The probability that a portfolio will not meet an investor’s needs.” Federal Reserve’s steep rate cuts in March, bond yields broadly rose due to widespread sales of fixed income assets. Despite the U.S. 10/15/2014.

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Management Marketing Marketing Clients 52

The Big Picture

SEPTEMBER 19, 2023

I guess I got lucky in January or February of 2018. Hawaii had parted ways with their then chief investment officer and there was an article in a, a magazine for institutional allocators about it and how they were hiring. In fact, state revenues were often at all time highs from taxes when this happened.

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Dear Mr. Market

MARCH 17, 2024

They have substantial headwinds right now though but are making the right moves to get back on track with the easing of regulatory burdens, creating tax incentives and rebates, and investing in infrastructure. #8 Over the past 20 years India’s stock market has beat both its emerging market peers as well as the S&P 500 index.

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Investing Investments Portfolio Assets 93

Fortune Financial

MAY 21, 2024

Note: This post was inspired by a December 2023 article by Fidelity on asset placement as a tool for tax-efficiency. funded by pre-tax contributions; and a tax-free Roth IRA or Roth 401(k) funded by after-tax contributions, but in which the earnings and distributions are both tax-free.

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Assets Asset Allocation Taxes Accounting 87

Carson Wealth

MARCH 7, 2025

Note that this is one way a lot of Chinese goods making their way into the US have avoided tariffs (since 2018). Back in 2018, the Trump administration gave out subsidies to blunt the impact, but it may not be as easy this time around with the deficit already running high. Think of it like a one-time increase in the sales tax.

Economy 87

Economy Marketing Marketing Taxes 87

The Big Picture

MAY 21, 2024

The one, the one he said this morning is this guy who’s 20 something and he says, so I figured out how I never have to pay taxes again. It’s all tax free. In not paying your taxes. Think about what, how we were, we were geared in 2017, 2018, 1920. Like who’s gonna tell me I can’t do that?

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Numbers Management Banking Marketing 147