Good Financial Cents

SEPTEMBER 29, 2022

In this guide, we’re going to present the 10 best long-term investment strategies for 2022. The table below provides a quick summary of each of the 10 best long-term investment strategies for 2022, along with the main features and benefits of each. Below is our list of the 10 best long-term investment strategies for 2022.

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Investments Investing Retirement Planning Risk Tolerance 109

Integrity Financial Planning

JUNE 12, 2023

As you plan for retirement, it’s important to consider tax optimization strategies to minimize your tax liabilities. Here are three key ways to optimize taxes in retirement, based on information from sources published between 2022 and 2023.

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Retirement Taxes Consulting Financial Planning 92

Darrow Wealth Management

NOVEMBER 17, 2022

In November 2022, proponents of the Massachusetts ‘millionaires’ tax (question 1) won their bid to nearly double the income tax rate on individuals with taxable income over $1M a year. As proposed, the new legislation would increase these tax rates to 9% and perhaps even 16% , respectively, starting in 2023.

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Taxes Wealth Management Tax Planning Planning 110

The Chicago Financial Planner

DECEMBER 5, 2021

For 2022 these limits increase to $61,000 and $67,500. For 2022 these contribution limits increase to $20.500 and $27,000, plus the employer-funded profit sharing component in both years. Check with your financial or tax advisor as to how much you will be able to contribute. Investment flexibility . Photo credit: Flickr.

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Retirement Planning Retirement Financial Planner Accounting 155

Good Financial Cents

JANUARY 19, 2023

A major decision in retirement planning is whether to make pre-tax or Roth (after-tax) 401k contributions. Pre-tax contributions go into your retirement account with money that has not been taxed, and then taxes will be paid when the funds are withdrawn in retirement.

Taxes 97

Taxes Retirement Accounting Consulting 97

Integrity Financial Planning

OCTOBER 17, 2022

There are rules and regulations that can help you avoid higher taxes and penalty fees and help you structure your income to minimize taxes. Know these 3 ages that can help you get the most out of your retirement accounts. Age 59½ is the earliest you can withdraw funds from an IRA account and pay no early withdrawal penalty tax.

Retirement 95

Retirement Accounting Retirement Planning Distribution 95

Nationwide Financial

JANUARY 25, 2023

Last year’s considerable losses and market fluctuations underscore the need for clients to assess their retirement plans to ensure it aligns with their objectives, financial situations, timelines, and attitudes toward market volatility. Here are some key points to use with clients as you help them assess their retirement plans.

Risk Tolerance 102

Risk Tolerance Retirement Planning Asset Allocation Retirement 102

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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Retirement Planning Retirement Taxes Distribution 122

The Chicago Financial Planner

OCTOBER 20, 2021

This increases to $19,560 for 2022. During the year in which you reach your full retirement age the annual limit is increased. For 2021 this increased limit is $50,520, for 2022 this limit is $51,960. Any money that may have been withheld from your benefits such as taxes or Medicare premiums. Combined income. %

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Retirement Financial Planner Taxes Distribution 192

Walkner Condon Financial Advisors

NOVEMBER 11, 2022

2022 has been a difficult and trying year for stock and bond indexes in both emerging and developed markets. As we look forward to 2023, the IRS recently announced that the contribution limits for employer-sponsored retirement plans are going up. 529 College Savings Plans. The gift limit for 2022 is $16,000.

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Insurance Coverage Retirement Planning Financial Advisor Taxes 98

Darrow Wealth Management

DECEMBER 23, 2022

Congress is once again poised to make sweeping changes to the retirement and tax rules in the last two weeks of the year. retirement changes. There are many components of the 2022 Act that will impact employers that aren’t outlined below. 529 plan to Roth IRA rollovers. The Secure Act 2.0 The Secure Act 2.0

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Retirement Retirement Planning Distribution Taxes 103

Nationwide Financial

JANUARY 26, 2023

Key Takeaways: 2023 could be a really good year to fund a Roth account because of low tax rates and changes to how the standard deduction, tax brackets, and retirement account contribution limits are adjusted for inflation. Plus, you’ll be increasing your tax diversification for retirement. Is there a better way?

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Accounting Retirement Taxes Retirement Planning 98

WiserAdvisor

JULY 29, 2022

401(k)s and Roth IRAs are some of the most commonly used retirement accounts. Some opt for a 401(k) account simply because it comes with the advantage of getting an employer match, while some go for a Roth IRA account to be able to make tax-free withdrawals in retirement. Thus, you end up paying fewer taxes on your income.

Retirement 100

Retirement Accounting Taxes Retirement Planning 100

Random Roger's Retirement Planning

MARCH 5, 2025

In 2022, it was up 104 basis points (total return). but it was low in 2022 when it mattered. In 2022, when managed futures was having its heyday, there were all of a sudden a lot of calls about putting 20% or more in managed futures. The results were fascinating. We pounded the table here why that was probably a bad idea.

Portfolio 72

Portfolio Assets Management Government 72

Good Financial Cents

JANUARY 17, 2023

And how does it compare to the 401k and other retirement plans that exist? A Simple IRA, or Savings Incentive Match Plan for Employees, is a type of employer-sponsored retirement savings plan that is designed to be easy to set up and maintain for small business owners. What is a Simple IRA?

Retirement Planning 111

Retirement Planning Retirement Planning Taxes 111

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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Retirement Planning Retirement Planning Distribution 98

Good Financial Cents

JANUARY 26, 2023

The stock market has returned an average of between 9% and 11% over the past 90 years and that’s the kind of growth that you’ll need to tap into if you want to retire at 50. Your retirement plan shouldn’t be. Get in touch with an Independent Financial Professional to see if you're on track to meet your retirement goals.

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Retirement Taxes Accounting Retirement Planning 122

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.

Portfolio 59

Portfolio Taxes Assets Investments 59

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.

Retirement 101

Retirement Distribution Taxes Accounting 101

Good Financial Cents

APRIL 1, 2023

That will give you a combined contribution of $13,000, which will also be fully tax-deductible. There's no time like the present to begin preparing for your retirement. When you turn age 72, you’re required to begin receiving distributions from the plan. Ads by Money. We may be compensated if you click this ad.

Planning 95

Planning Distribution Taxes Retirement Planning 95

Random Roger's Retirement Planning

NOVEMBER 4, 2024

You can see on the backtest, RPAR fairing worse than VBAIX by almost 600 basis points in 2022 and then didn't really come back the way VBAIX did. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Risk parity is a good example of a great story.

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Retail Taxes Investments Investing 52

Random Roger's Retirement Planning

JANUARY 10, 2024

Every now and then we talk about expat living as part of a retirement plan, usually the context is an underfunded retirement plan. Portfolio 2 was spared a couple of hundred basis points which is better than nothing and Portfolio 3 did very well in 2022. One popular country in expat living circles is Ecuador.

Retirement Planning 98

Retirement Planning Portfolio Retirement Planning 98

Random Roger's Retirement Planning

MARCH 12, 2025

The max drawdowns of the backtested portfolios bottomed out in late 2022 as follows To the extent quadrant style might intersect with all-weather, you can decide for yourself whether any of them were all weather enough. There's no wrong conclusion to draw, do you think they are all-weather enough?

Portfolio 59

Portfolio Taxes Numbers Investments 59

Good Financial Cents

SEPTEMBER 15, 2022

Because the investment income earned in a Roth IRA is tax-deferred—and eventually tax-free—there are no tax complications to worry about. Unlike taxable brokerage accounts and even bank accounts, there’s no possibility of incurring the so-called “ kiddie tax ” on the investment earnings in a Roth IRA account.

Accounting 101

Accounting Taxes Retirement Retirement Planning 101

Carson Wealth

DECEMBER 1, 2022

An individual who learns to manage $4,000 a month after taxes will be equipped to manage $14,000 or even $40,000 a month as their earnings increase over time. Take Advantage of Retirement Plans and Matching Contributions. Employers often match a portion of this contribution to a retirement plan as an employer benefit. .

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Retirement Planning Risk Tolerance Retirement Budgeting 67

Random Roger's Retirement Planning

MARCH 14, 2025

Dave Nadig found a potential tax problem in the fine print. Apparently it is not diversified enough to meet RIC, regulated investment company, standards which as Dave tells it would nullify the tax benefits associated with ETFs. In 2022 Portfolio 1 fell 6.27% versus a decline of 5.29% for PRPFX and 16.87% for VBAIX.

Portfolio 59

Portfolio Taxes Management Investments 59

Random Roger's Retirement Planning

NOVEMBER 28, 2024

All three were better than VBAIX in 2022 by 150-550 basis points. Somehow, it did worse than the S&P 500 by several hundred basis points in 2022. Based on the chart, I'm guessing that SPD was positioned in such a way as to miss the bounce that started in late 2022. The results are not skewed by one year.

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Distribution Asset Allocation Portfolio Taxes 52

Random Roger's Retirement Planning

MARCH 2, 2025

Generically, dividends are not tax efficient. They are taxed at ordinary income. SCHD has historically paid "qualified" dividends which are taxed more favorably as capital gains but this is something to continuously track. Derivative income funds that track indexes might be taxed 60/40, you have to check.

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Taxes Portfolio Assets Accounting 52

Random Roger's Retirement Planning

JUNE 1, 2024

One complicating factor is that tax is owed annually on the amount of the par value adjustment so qualified accounts might be better for individual TIPS. That sounds good of course but in reality, being immunized isn't exactly how it played out in 2022. The worst year for all three was of course 2022.

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Taxes Management Accounting Numbers 94

Nationwide Financial

APRIL 20, 2023

Tax season is here! For many of us, that means a tax refund. Some general, popular advice you may have heard before, is that if you receive a tax refund, a bonus, or an unexpected financial windfall, you should invest or save it for the long-term, rather than spending it now. Immediate gratification can be hard to resist.

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Taxes Clients Investments Investing 59

Random Roger's Retirement Planning

FEBRUARY 12, 2025

Portfolio 4 has middling stats compared to the others but in 2022 it was only down 8.23% versus 20% for Portfolio 1, 17% for Portfolio 2 and Portfolio 3 was down 22%. Also PSLDX is capable of some huge drawdowns, dropping 43% in 2022 and 33% in 2008. It also fell 37% in the 2020 Pandemic Crash but it took that back in just four months.

Portfolio 52

Portfolio Retail Assets Clients 52

Random Roger's Retirement Planning

MARCH 23, 2025

While the one traditional bond ETF was down 25% in 2022, the other four ranged from a decline of 2.51% to a gain of 2.54%. BALT has never paid out a distribution so it is tax efficient. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation.

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Taxes Distribution Clients Numbers 59

Random Roger's Retirement Planning

MARCH 29, 2025

Weaving in the historical part of the essay he points out that in addition to 2022, there have been several events before 1981 where the traditional 60/40 did very poorly, he seemed to be blaming the 40 allocated to bonds. In terms of crisis alpha in rough times, convertible arb didn't really help in 2022 but managed futures and macro did.

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Portfolio Management Risk Management Distribution 59

Random Roger's Retirement Planning

JANUARY 22, 2025

MBXIX added the best long term result but QSPIX had the best performance in 2022. The 50/50 version did far and away the best in 2022. The leveraged version outperformed going into the 2022 bear market (that started late in 2021) but has had a tough time digging out of that hole since then. QSPIX is sort of a cherry pick.

Asset Allocation 52

Asset Allocation Portfolio Assets Taxes 52

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%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. Portfoliovisualizer says OCRP has a -0.09

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Taxes Clients Marketing Marketing 59

Darrow Wealth Management

OCTOBER 24, 2022

For example, what’s the best time of year to take required minimum distributions, how to reinvest it, or if you can avoid paying tax on RMDs. Here are some of the most common RMD questions and planning opportunities for investors. How to take RMDs and avoid any taxes (legally of course). There are a couple ways to do it.

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Distribution Taxes Retirement Accounting 78

Random Roger's Retirement Planning

MARCH 21, 2025

If we swap out AGG and replace it with TFLO which is a floating rate ETF, the CAGR goes up by 14 basis points and volatility drops by 27 basis points which are not dramatic numbers but helped meaningfully in 2022, leading to a performance improvement of 601 basis points.

Asset Allocation 52

Asset Allocation Portfolio Assets Numbers 52