Nerd's Eye View

APRIL 10, 2024

Every document that considers the facts around any particular asset class will invariably include that disclaimer, but constructing a portfolio consisting of a mix of equities, fixed income, and other assets requires investors and advicers to make some fundamental assumptions around long-term expected returns and correlations between assets.

Asset Allocation 244

Asset Allocation Wealth Accumulation Assets Portfolio 244

A Wealth of Common Sense

FEBRUARY 26, 2024

On today’s show, we discuss: The yield environment prior to 2022 How asset allocation works within a multi-asset portfolio How the yield curve and inflation affect income generating portfol.

Asset Allocation 73

Asset Allocation Portfolio Management Investments Investing 73

The Big Picture

JUNE 15, 2023

Record highs in participation, deferral rates, and the use of professionally managed allocations in 2022 ” added to the totals. The rally off of the June 2022 lows did not hurt either. VG credits the impact of automatic enrollment/contribution escalation as leading savers to this milestone.

Planning 284

Planning Asset Allocation Management Assets 284

The Chicago Financial Planner

FEBRUARY 3, 2022

Today’s decline is on top of high levels of market volatility that we’ve seen so far in 2022. Investors who are well-diversified may be hurt but generally not to the extent of those who are highly allocated to stocks. Review your asset allocation . Not sure if your investments are right for your situation?

Asset Allocation 190

Asset Allocation Financial Planner Marketing Marketing 190

Abnormal Returns

JUNE 27, 2023

Strategy High uncertainty decisions, like investing, are by definition difficult. behaviouralinvestment.com) Do commodities have a role to play in a long-term, strategic asset allocation? morningstar.com) Stop lumping the 'big three' asset managers together in the same breath. Prices are now rising again.

Asset Allocation 243

Asset Allocation Financial Advising Startup Valuation 243

A Wealth of Common Sense

MAY 19, 2023

Each year Gallup performs a survey that asks a group of Americans what the best long-term investment is among the following options: Stocks Bonds Cash Gold Real estate These are the latest results: Real estate has been at the top of the charts for over a decade at this point but it saw a big drop from 2022 to 2023.

Investing 137

Investing Investments Asset Allocation Marketing 137

Nerd's Eye View

MARCH 8, 2024

Enjoy the current installment of “Weekend Reading For Financial Planners” – this week’s edition kicks off with the news that RIA clients of an insurance broker providing Errors & Omissions (E&O) coverage saw a 213% increase in claims paid in 2023, attributed to significant jumps in suitability claims (likely stemming (..)

Financial Planner 210

Financial Planner Asset Allocation Clients Risk Management 210

Validea

OCTOBER 12, 2022

So as we entered 2022, many investors expected that if we got a bear market, that same formula would continue to work. But many investors have not seen significant inflation during their investing careers and didn’t recognize that during inflationary bear markets, bonds do the opposite and fall along with stocks. in gold and 7.5%

Risk Management 115

Risk Management Management Asset Allocation Portfolio 115

Abnormal Returns

OCTOBER 1, 2022

Markets No matter how you measure it, 2022 is one of the worst years for bonds in history. theirrelevantinvestor.com) A proper asset allocation is a precondition to avoid market-related panic. behaviouralinvestment.com) Venture capital What's the relationship between gambling and (venture) investing? year-over-year.

Asset Allocation 130

Asset Allocation Financial Advising Startup Media 130

Alpha Architect

OCTOBER 7, 2022

Global Factor Performance: October 2022 was originally published at Alpha Architect. Standardized Performance. Factor Performance. Factor Exposures. Factor Premiums. Factor Attribution. Factor Data Downloads. Please read the Alpha Architect disclosures at your convenience.

Asset Allocation 116

Asset Allocation Assets Investing Investments 116

Abnormal Returns

NOVEMBER 21, 2022

wiredplanning.com) Douglas Blake, Managing Director of Investment Services at Kingswood U.S., riabiz.com) Retirement Why retirees should include Social Security into their asset allocation. thinkadvisor.com) How Notice 2022-53 has affected the tax code. riabiz.com) CI Financial ($CIXX) is planning to spin-off its U.S.

Financial Planner 146

Financial Planner Asset Allocation Recruitment Financial Advising 146

Alpha Architect

SEPTEMBER 8, 2022

Global Factor Performance: September 2022 was originally published at Alpha Architect. Standardized Performance. Factor Performance. Factor Exposures. Factor Premiums. Factor Attribution. Factor Data Downloads. Please read the Alpha Architect disclosures at your convenience.

Asset Allocation 104

Asset Allocation Assets Investing Investments 104

Alpha Architect

NOVEMBER 8, 2022

Global Factor Performance: November 2022 was originally published at Alpha Architect. Standardized Performance. Factor Performance. Factor Exposures. Factor Premiums. Factor Attribution. Factor Data Downloads. Please read the Alpha Architect disclosures at your convenience.

Asset Allocation 98

Asset Allocation Assets Investing Investments 98

Alpha Architect

AUGUST 9, 2022

Global Factor Performance: August 2022 was originally published at Alpha Architect. Standardized Performance. Factor Performance. Factor Exposures. Factor Premiums. Factor Attribution. Factor Data Downloads. Please read the Alpha Architect disclosures at your convenience.

Asset Allocation 104

Asset Allocation Assets Investing Investments 104

A Wealth of Common Sense

NOVEMBER 15, 2022

Those old stodgy blue chip stocks in the Dow that pay dividends and have stable cash flows are crushing the innovation-led stocks that have more potential than profits in 2022. The more exciting your portfolio, the worse your performance is in this bear market.

Investments 144

Investments Investing Portfolio Marketing 144

James Hendries

SEPTEMBER 27, 2022

The LPL Research Strategic and Tactical Asset Allocation Committee is increasing its recommended interest rate exposure in its tactical allocation from underweight to neutral. In simplest terms, “plus” indicates a more flexible investment mandate across fixed income markets. A Historically Aggressive Fed.

Asset Allocation 52

Asset Allocation Marketing Marketing Assets 52

Random Roger's Retirement Planning

MARCH 30, 2024

In 2022, an 80/20 VBAIX/GHTA blend outperformed 100% VBAIX by 378 basis points while it lagged 100% VBAIX by 70 basis points in 2023. Circling back to model ETF portfolio mentioned at the top of this post, the asset allocation was as follows.

Asset Allocation 96

Asset Allocation Portfolio Assets Management 96

Random Roger's Retirement Planning

DECEMBER 30, 2023

If all you use is a broad index fund then it will either be a good year or not so good, but assuming the proper asset allocation, who cares? The divergence of MCW from 2022 to 2023 is shocking. That's enough to get it done assuming an adequate savings rate, appropriate asset allocation and no panicking.

Asset Allocation 74

Asset Allocation Assets Investing Investments 74

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. Assuming that you have a financial plan with an investment strategy in place there is really nothing to do at this point. Not sure if your investments are right for your situation? Do nothing. Focus on risk.

Risk Tolerance 188

Risk Tolerance Marketing Marketing Financial Planner 188

James Hendries

NOVEMBER 15, 2022

The growth vs. value debate has been pretty one-sided in 2022, with value outperforming growth for a sustained period for the first time in almost 15 years. Value vs. Growth – Value Takes 2022. The LPL Research STAAC continues to favor a tilt toward value from an asset allocation perspective.

Marketing 52

Marketing Marketing Asset Allocation Valuation 52

James Hendries

JULY 13, 2022

Increased equity exposure in tactical asset allocation from 62% to 65%. Reduced low duration core bond allocation and increased allocation to small cap equities. The Strategic and Tactical Asset Allocation Committee (STAAC) changed its recommended asset allocation for July, shifting from core bonds to small cap equities.

Portfolio 52

Portfolio Asset Allocation Taxes Investment Advisor 52

Nationwide Financial

JANUARY 25, 2023

Review risk tolerance and current asset allocation strategy It’s important to ensure your clients’ portfolios align with their risk tolerance because taking too much risk can negatively impact their ability to navigate market fluctuations. Suppose they made emotional investment decisions during the market volatility of 2022.

Risk Tolerance 102

Risk Tolerance Retirement Planning Asset Allocation Retirement 102

Darrow Wealth Management

MAY 22, 2023

Should you hold cash or invest in the market? Attractive yields on savings and cash-like investments can make it tempting to hold cash instead of investing extra money. Hold cash or invest? In fact, the Federal Reserve has raised the upper limit federal funds rate by 5% since the beginning of 2022.

Investing 91

Investing Investments Accounting Wealth Management 91

Random Roger's Retirement Planning

MAY 24, 2024

Barron's had an interesting article about a BofA study showing that over a period of many decades an asset allocation of 60% equities/40% commodities outperformed an allocation of 60% equities/40% fixed income by 0.80% per year. XRMI actually compounds negatively but didn't spare too much pain in 2022.

Asset Allocation 98

Asset Allocation Risk Management Taxes Portfolio 98

Random Roger's Retirement Planning

JULY 15, 2024

First up, the Harvard Endowment which posted the following asset allocation. The version with VOO was down a lot less in 2022 and only trailed VBAIX in 2023 by 89 basis points. In 2022, the VOO version was down less than half of VBAIX and it also outperformed in 2023. The private equity piece isn't great. I used PSP.

Asset Allocation 52

Asset Allocation Portfolio Assets Management 52

James Hendries

AUGUST 15, 2022

The Strategic and Tactical Asset Allocation Committee (STAAC) made no changes to its recommended asset allocation for August. To determine which investment(s) may be appropriate for you, please consult your financial professional prior to investing. Stock investing involves risk including loss of principal.

Portfolio 52

Portfolio Asset Allocation Taxes Investment Advisor 52

Dear Mr. Market

MARCH 17, 2024

My Portfolio Guide, LLC was the first investment firm to publish a March Madness investing bracket where we share our picks and match them up against each other. 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.

Investing 83

Investing Investments Portfolio Assets 83

James Hendries

OCTOBER 7, 2022

in September, temporarily breaking below the June 2022 closing low. The Strategic and Tactical Asset Allocation Committee (STAAC) upgraded its view of duration to neutral. To determine which investment(s) may be appropriate for you, please consult your financial professional prior to investing.

Portfolio 52

Portfolio Taxes Investment Advisor Asset Allocation 52

James Hendries

DECEMBER 4, 2022

Retail sales data from the Census Bureau (we focus on the Retail Sales excluding Food Service, Autos, Building Materials, and Gas Stations statistics) has shown year-over-year growth, slow from the average mid-teens numbers seen in 2021, to a still healthy upper-single digits number in 2022 [Figure 2]. over the last 20 years, pre-2020.

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Retail Marketing Marketing Sales 52

Random Roger's Retirement Planning

AUGUST 26, 2024

Here's the target asset allocation. I worked in SSO and UBT to be able to leverage up to the right asset allocation. RPAR tracks very close to the replication for the first two years and then it separates from it in early 2022. RPAR lagged the replication by 614 basis points in 2022.

Asset Allocation 52

Asset Allocation Assets Taxes Portfolio 52

Random Roger's Retirement Planning

OCTOBER 7, 2024

GMO posted a short paper in support of its Benchmark Free Asset Allocation Strategy (BFAAS). GMO is very much a value investing shop so a lot of what they talk about in the paper is how expensive US growth is so they devote effort to finding attractively priced equities elsewhere to slot into BFAAS.

Asset Allocation 52

Asset Allocation Valuation Portfolio Assets 52

The Big Picture

NOVEMBER 14, 2022

My back-to-work morning train WFH reads: • Big Investors Are Giving Up on Crypto Markets Going Mainstream : Bitcoin as a portfolio diversifier hasn’t worked for investors Crypto won’t ‘find a home in institutional asset allocation’. Bloomberg ). Wall Street Journal ). • Morningstar ). Institutional Investor ). Morningstar ).

Asset Allocation 144

Asset Allocation Media Management Portfolio 144

Alpha Architect

DECEMBER 12, 2022

Global Factor Performance: December 2022 was originally published at Alpha Architect. Standardized Performance. Factor Performance. Factor Exposures. Factor Premiums. Factor Attribution. Factor Data Downloads. Please read the Alpha Architect disclosures at your convenience.

Asset Allocation 52

Asset Allocation Assets Investing Investments 52

James Hendries

DECEMBER 12, 2022

The Strategic and Tactical Asset Allocation Committee’s (STAAC) S&P 500 year-end fair value target of 4,000-4,100 is based on a price-to-earnings ratio of 17.5 To determine which investment(s) may be appropriate for you, please consult your financial professional prior to investing. Bond yields are subject to change.

Portfolio 52

Portfolio Taxes Asset Allocation Investing 52

James Hendries

JANUARY 13, 2023

Here are some of our lessons learned from 2022. One of the lessons learned in 2022 was to never underestimate our central bank’s resolve to squelch inflation. At the start of 2022, markets expected the upper bound of the fed funds rate to stay below 1%. for 2022, with the fourth quarter yet to be reported. Caveat emptor.

Marketing 52

Marketing Marketing Valuation Asset Allocation 52

James Hendries

NOVEMBER 15, 2022

The Strategic and Tactical Asset Allocation Committee’s (STAAC) S&P 500 year-end fair value target of 4,000-4,100 is based on a price-to-earnings ratio of 17.5 To determine which investment(s) may be appropriate for you, please consult your financial professional prior to investing. Bond yields are subject to change.

Portfolio 52

Portfolio Taxes Government Investment Advisor 52

James Hendries

OCTOBER 7, 2022

Like all markets, fixed income investing involves risks and, at times, negative returns. Investing is a forward-looking exercise and with the move higher in yields that has already taken place this year, we believe now could be as good as it’s been in quite some time for core bonds. All data is provided as of October 4, 2022.

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Clients Asset Allocation Portfolio Assets 52