Random Roger's Retirement Planning

MARCH 12, 2025

Let's dig in some more on Permanent Portfolio quadrant style. Next is the allocation for the United States Sovereign Wealth Fund ETF that I made up a few days ago and next to that is my most recent attempt from November to recreate the Cockroach Portfolio which is managed by Mutiny Funds. TRTY is a tough hold.

Portfolio 59

Portfolio Taxes Numbers Investments 59

Calculated Risk

OCTOBER 1, 2022

The serious delinquency rate is down from 1.79% in August 2021. Click on graph for larger image By vintage , for loans made in 2004 or earlier (1% of portfolio), 2.48% are seriously delinquent (down from 2.60% in July). Fannie Mae reported that the Single-Family Serious Delinquency decreased to 0.72% in August from 0.76% in July.

Portfolio 246

Portfolio 246

The Big Picture

JANUARY 3, 2023

Consider: From 2010 through 2021, The S&P500 Index gained 330% — a little over 13% annually (not including dividends). Monetary stimulus (ZIRP/QE) from 2009-2021. But Tesla’s annus horribilis followed a strong 2021 at +49.8%. over 2021-22, but Amazon dropped more, losing 48.9% What’s already priced in?

Economy 328

Economy Economics Portfolio Marketing 328

Abnormal Returns

AUGUST 20, 2024

papers.ssrn.com) A rave review for Alan Blinder's "A Monetary and Fiscal History of the United States 1961-2021." mrzepczynski.blogspot.com) Why not build portfolios with semi-volatility in mind? (sherwood.news) Monetary policy Better monetary policy is making for more predictable currency rates.

Sales 276

Sales Portfolio Investments Investing 276

Calculated Risk

MAY 29, 2024

Asset Quality Metrics Remained Generally Favorable With the Exception of Material Deterioration in Credit Card and Commercial Real Estate (CRE) Portfolios: Loans that were 90 days or more past due or in nonaccrual status increased to 0.91 The quarterly increase was led by commercial and industrial loans and non-owner-occupied CRE loans.

Numbers 312

Numbers Banking Insurance Assets 312

Calculated Risk

JULY 29, 2022

The serious delinquency rate is down from 2.08% in June 2021. Click on graph for larger image By vintage , for loans made in 2004 or earlier (1% of portfolio), 2.75% are seriously delinquent (down from 2.86% in May). Fannie Mae reported that the Single-Family Serious Delinquency decreased to 0.81% in June from 0.87% in May.

Portfolio 246

Portfolio 246

The Big Picture

DECEMBER 11, 2023

billion in retail inventory losses in 2021 was not “attributable to organized retail crime.” retailers retracted its claim that “organized retail crime” accounted for nearly half of all inventory losses in 2021 after finding that incorrect data was used for its analysis.” In 2021, he told a U.S. for over a decade.”

Retail 353

Retail Accounting Sales Numbers 353

Wealth Management

NOVEMBER 20, 2024

Hwang was found guilty in July of orchestrating a scheme to mislead his bank counterparties into providing Archegos with billions of dollars in trading capacity that inflated the value of his portfolio until the bubble burst in March 2021.

Banking 217

Banking Portfolio 217

The Big Picture

JANUARY 3, 2025

Prior to joining Raymond James, Sunaina founded Cebile Capital , which was acquired by Raymond James in 2021. Hurst was Cliff Asness first hire in the Quantitative Research Group at Goldman Sachs Asset Mgmt, where he built the portfolio management and trading technology for the Global Alpha Fund.

Portfolio Management 162

Portfolio Management Assets Management Economics 162

Calculated Risk

MARCH 27, 2023

Click on graph for larger image By vintage , for loans made in 2004 or earlier (1% of portfolio), 2.04% are seriously delinquent (down from 2.11% in January). So, Fannie is still working through a few poor performing loans from the bubble years.

Portfolio 246

Portfolio 246

Abnormal Returns

DECEMBER 20, 2023

downtownjoshbrown.com) A lot of stuff matters beside your portfolio. obliviousinvestor.com) Splitting your portfolio in two. savantwealth.com) The IRS is extending an olive branch to taxpayers who owe money from 2020-2021. (financialsamurai.com) Investing Five ways you lost money in 2023 including overtrading.

Retirement 279

Retirement Portfolio Taxes Accounting 279

Abnormal Returns

FEBRUARY 28, 2024

(allstarcharts.com) Bitcoin hit its highest level since November 2021. blockworks.co) Strategy Rubin Miller, "Investing on hopes and hunches — making emotional decisions — is why so few portfolios earn the actual market return." behaviouralinvestment.com) Why the 60/40 portfolio isn't going anywhere.

Valuation 278

Valuation Financial Advising Startup Media 278

The Big Picture

APRIL 26, 2023

Desmond loved to ask professional portfolio managers “What percentage of stocks would you expect would be making new highs at the top day of the bull market when the Dow Jones was making its absolute high?” He noted that markets get increasingly narrow by cap size (capitalization) as longer secular bull markets approach their ends.

Portfolio Management 288

Portfolio Management Marketing Marketing Portfolio 288

The Big Picture

MARCH 28, 2024

2021 Inflation Surge : In March 2021, CPI shot through the feds upside target of 2%. If you believed these stories, and acted on them, your portfolio probably did poorly in markets over this era. Instead, markets rallied 69% as the tech sector provided the means for the services sector to operate remotely.

Manufacturing 340

Manufacturing Economy Economics Marketing 340

The Big Picture

OCTOBER 7, 2022

If only the Fed didn’t do X, our portfolio would have been much better” seems to be a terrible approach to managing assets for clients. During the same period of time, the S&P 500 rose 67.9% (2020) and 28.7% (2021). I am not a Fed hater or part of the crew that wants to “End the Fed.”

Banking 336

Banking Economics Portfolio Assets 336

The Big Picture

MARCH 3, 2023

2 The current move from 2021 highs is shown in red. My portfolio was tiny; I had no 401k, and my wife’s 403(b), with less than a decade’s worth of contributions, was barely 5-figures. The GFC and the pandemic were global phenomena; the 2022 market was the worst since 1981 for a 60/40 portfolio.

Marketing 336

Marketing Marketing Economics Portfolio 336

Trade Brains

SEPTEMBER 17, 2023

Top Indian Stocks Held By Goldman Sachs : Goldman Sachs has been serving clients in India since the 1980s and established an onshore presence in Bengaluru, in 2004, Mumbai, India in December 2006 and a new office in Hyderabad opened in 2021 following a ten-year joint venture. 1,630,031 67.4 Cr Sula Vineyards Ltd 3,989.9 1,896,027 90.3

Portfolio Analysis 130

Portfolio Analysis Portfolio Manufacturing Insurance 130

The Big Picture

OCTOBER 20, 2023

Instead of cherry-picking the S&P 500, what about a simple 60/40 portfolio (e.g., My Tweet from 10:33 AM · Oct 12, 2021 2. $1 1 in the 60/40 portfolio with dividends reinvested grew at 6.30% annualized; over that 24-year period it would have grown to $4.36 ; data returns from Nick Maggiulli’s U.S.

Investing 340

Investing Investments Math Medicine 340

Abnormal Returns

JANUARY 3, 2023

capitalspectator.com) 2022 was the third worst year for the 60/40 portfolio. in 2022 vs. 2021. Markets How major asset classes performed in December 2022. awealthofcommonsense.com) The Dow lead the major indices in 2022. albertbridgecapital.com) Strategy Don't let the turn of the calendar overly influence your thinking.

Startup 242

Startup Valuation Financial Advising Distribution 242

The Big Picture

APRIL 24, 2023

Within the equity portion of your portfolios, they can provide some measure of diversification. Oversimplifying them into narratives or relying on context-free myths will not serve your portfolio well. Consider 4 geographic regions: The US, the Developed world Ex US, Emerging markets, and Frontier.

Economics 299

Economics Marketing Marketing Portfolio 299

The Big Picture

OCTOBER 10, 2022

Here’s how to clean up your portfolio without feeling ashamed. In fact, he was talking about the need to weed out the fake accounts — before he even bid. ( New York Post ). • Make Peace With Your Stock Market Losses : For investors, the only thing worse than losing is having to admit that you’re a loser. Wall Street Journal ). •

Economics 292

Economics Management Accounting Portfolio 292

The Big Picture

NOVEMBER 20, 2023

My firm RWM uses Canvas for those clients who want their portfolios to reflect their values. The most popular ESG application of direct indexing software has been to remove guns and tobacco from portfolios. It reflects the desire for investors to have their portfolios reflect their personal values.

Taxes 195

Taxes Portfolio Investing Investments 195

The Chicago Financial Planner

JUNE 13, 2022

After a strong finish in 2020 and very solid returns in 2021, we’ve seen a lot of market volatility so far in 2022. Ideally you’ve been rebalancing your portfolio along the way and your asset allocation is largely in line with your plan and your risk tolerance. Also assess your feelings about your portfolio’s performance.

Risk Tolerance 188

Risk Tolerance Marketing Marketing Financial Planner 188

Carson Wealth

MARCH 29, 2023

The same is true of retirement planning – if you zero in on your portfolio and nothing else, you’ll miss out on some major factors that can make a significant difference in your retirement and ultimately your bottom line. Department of Health and Human Services, “Understanding Long-Term Care,” August 2, 2021.

Retirement 98

Retirement Portfolio Investing Investments 98

Trade Brains

OCTOBER 23, 2023

In 2022-23, the company in the automobile industry produced 2,59,31,867 vehicles, comprising Passenger Vehicles, Commercial Vehicles, Three Wheelers, Two Wheelers, and Quadricycles, compared to 2,30,40,066 units in 2021-22. The post 5 Best Stocks Held By HDFC Small Cap Fund – Portfolio Analysis appeared first on Trade Brains.

Portfolio Analysis 105

Portfolio Analysis Portfolio Manufacturing Engineering 105

A Wealth of Common Sense

NOVEMBER 15, 2022

The more exciting your portfolio, the worse your performance is in this bear market. This is in stark contrast to the FOMO days of 2020 and 2021 when it felt like the only place to put your money was the. Boring is better this year in the markets.

Investing 145

Investing Investments Portfolio Marketing 145

The Big Picture

JULY 13, 2023

New York Times ) Be sure to check out our Masters in Business next week with Tom Wagner, Co-Portfolio Manager at Knighthead Capital. My morning train reads: • Stocks Took an 18-Month Round Trip From Tech Bear to AI Bull : The same handful of megacap names that led the market down have been powering the latest surge.

Portfolio Management 246

Portfolio Management Food Economy Accounting 246

The Chicago Financial Planner

FEBRUARY 3, 2022

At the end of 2021, Meta shares comprised 1.96% of the Vanguard S&P 500 Index ETF (ticker VOO). With the tremendous year for stocks in in 2021, many investors are likely still in a good long-term position. This is a good time to rebalance your portfolio back to your target asset allocation if needed as well.

Asset Allocation 190

Asset Allocation Financial Planner Marketing Marketing 190

The Big Picture

SEPTEMBER 28, 2023

to blame, but I want to suggest that the 2021-22 Inflation surge and resulting higher prices were the cost of avoiding a different fate. Those choices are still resonating today, impacting stock markets, bonds, inflation, and as we saw at the GOP debate last night, politics. The public wants someone ( anyone !)

Government 306

Government Medicine Economy Healthcare 306

Random Roger's Retirement Planning

FEBRUARY 17, 2024

From the AQR site , QSPIX "aims to deliver attractive risk adjusted returns with low correlation to traditional stock/bond portfolios by investing in a broad and diversified range of alternative risk premia." So a core holding, I think that conceptually it could be risk parity meets the Permanent Portfolio?

Portfolio 81

Portfolio Management Taxes Marketing 81

The Chicago Financial Planner

FEBRUARY 5, 2022

In 2021 the indicator held true to form, sort of, with the market having an up year after Tampa Bay’s win. What impact have the solid stock market gains of the past three years had on your portfolio? Solid, well-managed active funds can also contribute to a well-diversified portfolio. How has the Super Bowl Indicator done?

Investing 184

Investing Investments Financial Planner Risk Tolerance 184

David Nelson

JANUARY 3, 2023

Investors need to do their own due diligence and perform a full ORM review of their portfolio and its ability to navigate the many challenges we face at the start of a new year. From 2017 – 2021 growth outperformed value by a staggering 119%. S&P 500 2 Years. Growth vs Value – There was no alternative. 60-40 is reborn.

Risk Management 98

Risk Management Portfolio Management Valuation 98

The Big Picture

OCTOBER 19, 2023

I run through 30 charts in 30 minutes that explain where we are in the economic cycle, what markets are doing, and what it means to their portfolios. This has enormous ramifications for everything from our portfolios, policies and politics… See also , Failures’ Fallout (Mehlman, August 21, 2021) Teens Spend Average of 4.8

Media 351

Media Economy Economics Wealth Management 351

The Big Picture

AUGUST 30, 2023

Your portfolio will thank you… Source : Mind the Gap: A report on investor returns in the U.S. Give this some time over the long weekend to read. Jeffrey Ptak, Amy C. annual returns, but the average investor only gained 8.7%

Assets 243

Assets Investing Investments Taxes 243

Validea

MARCH 27, 2025

Model Performance & Return History Since its inception on Validea in 2003, the 20-stock, monthly rebalanced Peter Lynch-based portfolio has delivered a 1,142.0% 29.6%) 2021 : +34.3% (vs. cumulative return , outperforming the S&P 500 by 667.4%. Top 3 Best-Performing Years: 2009 : +62.3% (vs. 38.5%) 2018 : -22.7% (vs.

Investments 80

Investments Investing Banking Portfolio 80

Calculated Risk

FEBRUARY 27, 2023

For Fannie, by vintage , for loans made in 2004 or earlier (1% of portfolio), 2.11% are seriously delinquent (down from 2.16% in December). For loans made in 2005 through 2008 (1% of portfolio), 3.40% are seriously delinquent (down from 3.49%).

Portfolio 130

Portfolio 130

Random Roger's Retirement Planning

MARCH 20, 2025

The odds are pretty good that plain vanilla 60/40 will still get the job done over longer periods but I would caution that the ride has been much bumpier since late 2021 and will stay that way for a while. Adaptability is a great word for portfolio construction and ongoing management. And the drawdown chart.

Investing 52

Investing Investments Portfolio Asset Allocation 52