Random Roger's Retirement Planning

OCTOBER 13, 2024

The risk of selling volatility this way is that the market gets hit either with a fast decline like the 2020 Pandemic Crash or a slower large decline like in 2022 causing the short puts to get assigned. Munnell along with Teresa Ghilarducci are like the aunties of retirement which I am saying in a positive way. People have busy lives.

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The Chicago Financial Planner

FEBRUARY 5, 2022

Kansas City won the 2020 game and the market had an up year in spite of the impact of COVID-19. Related Posts: Five Things to do During a Stock Market Correction Is a $100,000 Per Year Retirement Doable? That said, they did play in the AFC in their first year of existence but that’s getting too technical for this blog post.

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Yardley Wealth Management

OCTOBER 7, 2020

The post Is COVID-19 affecting your Retirement Planning? Is COVID-19 affecting your Retirement Planning? Retirement Planning Financial Planning Risk. Over their lifetimes, most people have heard warnings and advice from retirement advisors about various aspects of their plans.

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Good Financial Cents

JANUARY 24, 2023

While they do share some similarities, there are enough distinct differences between the two where they can just as easily qualify as completely separate and distinct retirement plans. Either plan is an excellent choice, particularly if you’re not covered by an employer-sponsored retirement plan. Not exactly.

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Indigo Marketing Agency

MAY 5, 2020

How To Grow Your Retirement Plan Business In The 2020 Economic Crisis. We’ve partnered with the experts at The Retirement Learning Center to update advisors on how the retirement plan landscape has been altered by the 2020 economic crisis. Save your spot today! John: Thank you, Claire.

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Random Roger's Retirement Planning

APRIL 11, 2025

I expanded on it a little bit and noted it's not particularly relaxing but I would reiterate that this is a great time to lean forward and learn about some things in real time versus looking at a backtest from a benchmark event like the 2020 Pandemic Crash or 2022. All of the different factors have their moments in the sun.

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WiserAdvisor

JANUARY 16, 2024

This data can serve as a baseline for tailoring your retirement plan, taking into account factors such as inflation, your current age, and your desired retirement age. The most recent report, released in September 2020 and based on data collected in 2019, revealed that the median net worth of the typical U.S.

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Random Roger's Retirement Planning

NOVEMBER 21, 2024

It did decline about 5% in the 2020 Pandemic Crash and in 2022 it was up 1.36%. The backtest runs from the start of 2011 to the end of 2020. Um ok, but MSTR started buying Bitcoin in 2020. The USAF backtest and RAAX don't really look too similar to me. RAAX is much more volatile. In the period studied, CPI compounded at 2.5%

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Random Roger's Retirement Planning

APRIL 9, 2024

Picture retiring in 2010 versus 2020. The S&P 500 was down 22% for the 10 years ending 1/1/2010 while the ten years ending 1/1/2020 it was up 189%. One fascinating point looked at getting great market returns later in your accumulation period versus earlier. This is in the neighborhood of sequence of return.

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Good Financial Cents

APRIL 1, 2023

When you turn age 72, you’re required to begin receiving distributions from the plan. This is always true when neither you nor your spouse are covered by an employer-sponsored retirement plan. The numbers are different if you’re not covered by an employer-sponsored retirement plan, but your spouse is.

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Random Roger's Retirement Planning

FEBRUARY 9, 2025

In 2020 and 2023 the fund was unchanged versus up a lot for the other two. To be clear though, the Mystery Fund is not intended to be a single portfolio solution. The year by year tells a slightly different story in case it isn't apparent from the chart.

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Random Roger's Retirement Planning

FEBRUARY 23, 2025

The "endowment" result is very close to red line VBAIX every year except 2020 when it lagged by almost 600 basis point and 2022 when it outperformed by about 500 basis points. It did worse in the 2020 Pandemic Crash by 200 basis points which isn't problematic for how quickly everything snapped back. Is it this?

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Random Roger's Retirement Planning

MARCH 2, 2025

You can see that the market started to care about price inflation around the time of the 2020 Pandemic Crash. Starting the clock in March 2020 gives a much different picture. XME is a client holding. That the long term CAGR is so close is fascinating.

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Random Roger's Retirement Planning

MARCH 25, 2025

The S&P 500 doesn't fall 20% in a quarter very often but obviously it can happen, it happened in Q1 of 2020 and the 3rd quarter of 2008 and I imagine there were others. The next day the fund would have a new buffer 20% down from there. If someone is actually going to use this, it is crucial they sell before the 20% threshold is hit.

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Nationwide Financial

SEPTEMBER 27, 2022

In 2020, Hispanic Americans comprised nearly 19% of the overall population, a tremendous rise over the last 50 years. Hispanic adults who are working with FPs were less likely to have postponed retirement than those who are not. Obstacles to retirement planning. For Hispanic Heritage Month (Sept. population.

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Random Roger's Retirement Planning

MARCH 12, 2025

It had a big drawdown in the 2020 Pandemic Crash which, ok, something like that sure but it had a surprisingly big drawdown in 2022 as you can see at 13%. It's growth rate since inception is 3.58% going back to September, 2018 but a lot of that comes from a 15% lift in 2021 (numbers per testfol.io).

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Random Roger's Retirement Planning

DECEMBER 22, 2024

That leads to a Tweet from Krishna Memani who worked at Oppenheimer for a long time and who has been running the Endowment at Lafayette College since 2020. The min vol version is valid longer term but 2020 would have been a challenging time to hold.

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Random Roger's Retirement Planning

APRIL 3, 2025

I saw where this was the worst single day drop since one of the bad days during the 2020 Pandemic Crash. Markets got pasted today of course. Ok, so a quick reminder that bad days have happened before, obvious statement. There have probably been more truly terrible market days than any of us could possible remember.

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Random Roger's Retirement Planning

FEBRUARY 12, 2025

It also fell 37% in the 2020 Pandemic Crash but it took that back in just four months. Those three all have long bond exposure of course and as we've looked at countless times, long bonds are very volatile. Also PSLDX is capable of some huge drawdowns, dropping 43% in 2022 and 33% in 2008.

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Random Roger's Retirement Planning

MARCH 8, 2025

It did go down almost 9% in the 2020 Pandemic Crash but that was just a fraction of what the S&P 500 dropped and in 2022, OCRP was up 9.15%. If they can have single stock ETFs why not an ETF with just two holdings? I threw tail in as well as the S&P 500. In late 2018 OCRP moved up when the market had a fast drop.

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Darrow Wealth Management

NOVEMBER 20, 2023

If you think retirement planning moves stop at retirement, think again. Although it won’t make sense in every situation, retirement can be a unique opportunity for Roth conversions for some investors. For high earners, converting an IRA to a Roth IRA while you’re still working could be the worst time of all.

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Random Roger's Retirement Planning

APRIL 22, 2024

There is nothing that says TLT must get back to the $171 dollars it traded at in 2020. The dividend that TLT pays will help but the capital put in to TLT in 2020 might be permanently impaired. An individual 20 year treasury bond bought when yields were at their lowest will return 100 cents on the dollar when it matures in 2040.

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Random Roger's Retirement Planning

MARCH 9, 2025

When we do these exercises, I'm not really trying to find something that will compound miles ahead of plain vanilla, the objective is more about smoothing out the ride and trying to build a portfolio that will have a robust result in the face of a market event like in 2022 or maybe even a fast decline like the 2020 Pandemic Crash.

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Random Roger's Retirement Planning

MARCH 18, 2025

Portfolio 1 lagged by quite a bit in 2019 and then even more in 2020. I took what he was saying to be expressed as follows in a portfolio. And compared to just VBAIX in Portfolio 2 The longer term result is interesting. Then it made it back in 2022 when it was only down 1.1%.

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Nationwide Financial

JUNE 21, 2023

Over the past several years, retirement investors have had plenty to worry about, from the outbreak of COVID-19 in 2020 to the spread of new coronavirus variants and tenuous trade relations with China in 2021 to the Ukrainian conflict in 2022. Volatility, in turn, often contributes to higher fear and anxiety for retirement investors.

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Random Roger's Retirement Planning

FEBRUARY 14, 2025

Both True North portfolios also held up relatively well in the 2020 Pandemic Crash which are the max drawdown numbers in the chart. Despite all the leverage, Portfolio 1 has a very smooth ride including up a lot in 2022. It's only down year was 2018 with a decline of 7.91%.

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Nationwide Financial

FEBRUARY 7, 2023

Stressors between health and wealth When examining the connections between financial and personal wellness, the COVID-19 pandemic in 2020 presents a perfect example of the different ways – physically, mentally, and financially – that people were affected by the virus.

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Random Roger's Retirement Planning

JANUARY 17, 2025

The 2022 numbers are of course favorable but they did get hit hard in the 2020 Pandemic Crash. Neither version differentiates in terms of volatility versus VBAIX but in 2022 the ACWI version was only down 4.84% and the SPY version was only down 4.75% versus 16.87% for VBAIX. This isn't radically different from a lot of ideas we look at.

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Random Roger's Retirement Planning

JANUARY 22, 2025

None of them helped though in the 2020 Pandemic Crash. MERIX is a client and personal holding. The 50/50 version is the most interesting to me. The 50/50 version did far and away the best in 2022. It probably will eventually unless the next bear market comes before that happens.

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Random Roger's Retirement Planning

MARCH 3, 2025

Looking at the 2020 Pandemic Crash, that was a fast decline but it played out over several weeks and while in real time we could recognize it as more of a crash than a long slow bear market, it didn't feel that fast. Moving to markets which hopefully we understand just a little better.

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Random Roger's Retirement Planning

JULY 17, 2022

You don't see that before the 2020 Pandemic Crash though. The current event, rolling over slowly is more typical of bear market behavior as opposed to the crash in 2020. Down about 20% on the S&P 500 doesn't feel like an over reaction to the current event as opposed to down 33% in just a couple weeks back in 2020.

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Random Roger's Retirement Planning

MARCH 30, 2025

MCW also did great in 2021, 2020 and 2019. For the last couple of years, I think a lot of people gravitated to just using market cap weighted in their accounts, that seems like it has been the conversation and for 2023 and 2024 the returns for MCW have been great. Occasionally of course, MCW gets pasted.

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Random Roger's Retirement Planning

JUNE 26, 2024

The Pacer Trend Pilot ETF that I used ages ago worked a couple of times but there were market events where the signal it used wasn't right for a particular market event and so it did very badly, this was in the 2020 Pandemic Crash. In the 11 full and partial years we can see that Portfolio 2 lagged by a lot in 2016 and 2020.

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Random Roger's Retirement Planning

APRIL 22, 2024

The time frame is so short because VOLSX only goes back to 2020. The longer term outperformance seems to have happened all at once during the 2020 Pandemic Crash. Below, we compare VOLSX to a home made version of their exact, most recent allocation and VBAIX a proxy for a 60/40 portfolio.

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Yardley Wealth Management

MAY 25, 2021

5 Financial Advisor Hacks: A Cheat Sheet for People Saving For Retirement! The 24-hour news cycle can be a bit insane these days, especially in 2020 when the pandemic dominated the news and murder hornets were on the way. Don’t be passive in your retirement planning. By Michael J. Garry, Founder/CEO.

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Random Roger's Retirement Planning

APRIL 11, 2024

The 2020's have not been lost for managed futures so the same portfolios from 2020 onward. Much higher returns here and the managed futures blends had noticeably lower standard deviations than VBAIX for this period. The managed futures blends were close most of the time except when investors really needed the tracking error in 2022.

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Random Roger's Retirement Planning

DECEMBER 7, 2023

In 2020, the convertible bond space skyrocketed. I tried to find why convertibles were up so much in 2020 without much luck. I tried to find why convertibles were up so much in 2020 without much luck. Here's a report from Morgan Stanley from back then that tries to explain why 2020 was so good.

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