Nerd's Eye View

JULY 3, 2024

As a result, advicers have more options than ever to add value for their clients by tailoring investment portfolios that are specific to their unique needs, goals, and risk tolerance. As a result, this macroeconomic and market uncertainty has ostensibly driven a preference for overweighting higher-quality companies in investment portfolios.

Portfolio 189

Portfolio Clients Risk Tolerance Accounting 189

Nerd's Eye View

DECEMBER 30, 2024

We start with several articles on retirement planning: Why considering a client's retirement time horizon and spending flexibility could lead to more accurate (and often higher) safe withdrawal rates than the simpler "4% rule" Four unique risks retirees face when drawing down their assets, from sequence of returns risk to tax risk, and how financial (..)

Financial Advisor 240

Financial Advisor Insurance Tax Planning Taxes 240

Calculated Risk

MARCH 11, 2025

of marketable Treasury bills outstanding at the end of February, and Treasury bills accounted for a measly 4.7% By way of comparison, Treasury bills accounted for 35% of total Fed Treasury holdings at the end of 2006. Second, the Fed only held a paltry 3.1% of total Fed Treasury holdings. And by letting its still sizable ($2.2

Assets 165

Assets Portfolio Accounting Marketing 165

Abnormal Returns

FEBRUARY 14, 2025

citywire.com) This pension fund is adding Bitcoin to its portfolio. sixcolors.com) Contracts When the government pulls money from an account without authority. (paulkrugman.substack.com) Crypto The SEC could soon allow for in-kind redemptions for Bitcoin and Ethereum ETFs. sherwood.news) VC A slew of unicorns have become zombies.

Advertising 173

Advertising Government Manufacturing Media 173

The Big Picture

NOVEMBER 15, 2023

The problem is those behaviors are so destructive to a portfolio. 1 We ignore the reality of human behavior, including the need for some thrills and excitement, at the peril of our portfolios. Meaning, the core of your portfolio should be 70 to 80% of that simple ETF portfolio described above. We all are! –

Investing 344

Investing Investments Portfolio Economics 344

Abnormal Returns

NOVEMBER 20, 2024

newsletter.theleading-edge.org) Personal finance Why you need guardrails on your portfolio. abnormalreturns.com) A bad experience trying to capture a bank 'bonus' account offer. (contessacapitaladvisors.com) A common life regret is not being bold enough. ejorgenson.com) Can you answer the question "Money is."? Well, you should.

Estate Planning 162

Estate Planning Retirement Marketing Marketing 162

Abnormal Returns

FEBRUARY 10, 2025

Investing How the model portfolio business is evolving. kindnessfp.com) Half of American workers have a 401(k) account. morningstar.com) Robinhood's ($HOOD) proposed robo-advisor offering seems plain vanilla. riabiz.com) Health The case against HSAs. kitces.com) People seem to underestimate the chances of needing long term care.

Certification 147

Certification Clients Accounting Portfolio 147

The Big Picture

DECEMBER 4, 2024

But suddenly they find themselves sitting on an uncomfortably large percentage of their portfolio in a single name. To help us unpack all of this and what it means for your portfolio Let’s bring in Meb Faber He’s the founder and chief investment officer of Cambria. Perhaps they have some founder stock from a startup.

Taxes 130

Taxes Portfolio Accounting Management 130

Abnormal Returns

DECEMBER 18, 2024

barrons.com) Don't let bad energy ruin your portfolio. meaningfulmoney.life) Personal finance The three best inflation hedges are a job, a 30-year home mortgage and a stock portfolio. wsj.com) How 529 account balances affect financial aid. humbledollar.com) Make sure you are earning the highest rate on your uninvested cash.

Retirement Planning 130

Retirement Planning Retirement Valuation Insurance 130

Wealth Management

MAY 22, 2023

How advisors can help clients manage their defined contribution accounts to provide a holistic view of their portfolios.

Management 255

Management Client Management Planning Accounting 255

A Wealth of Common Sense

FEBRUARY 13, 2025

Barry Ritholtz joined me on the show this week to discuss questions about timing market corrections with your savings account, how your portfolio should look heading into retirement, managing your parent’s financial plan and how to force yourself into splurging a little when you have more than enough money.

Retirement 117

Retirement Financial Planning Accounting Portfolio 117

Abnormal Returns

AUGUST 14, 2024

morningstar.com) When should people near retirement de-risk their portfolio? wsj.com) A first hand account of retirement. ft.com) What should you do with your 401(k) account when you leave your employer? (nytimes.com) Retirement Six myths in retirement including 'You don't need a financial advisor.'

Tax Planning 281

Tax Planning Retirement Financial Advisor Education 281

Abnormal Returns

FEBRUARY 4, 2024

allstarcharts.com) Four steps to build a no-fuss portfolio including eliminating redundant accounts. (wsj.com) How major asset classes performed in January 2024. capitalspectator.com) It's not just tech stocks that are working. morningstar.com) Overconfidence is a killer for investors. collabfund.com)

Financial Planning 299

Financial Planning Accounting Portfolio Assets 299

Abnormal Returns

JUNE 11, 2024

allocatesmartly.com) Alternatives How to think about crypto's role in a portfolio. papers.ssrn.com) Volume matters for portfolio implementation. So it makes sense to forecast it and take it into account. (caia.org) Comparing the diversification benefits of bonds vs. trend following.

Media 263

Media Portfolio Economy Accounting 263

Abnormal Returns

DECEMBER 6, 2022

Retirement Automatic retirement account enrollment helps to boost participation. papers.ssrn.com) Research A lot of anomalies disappear once you account for the costs of short sales. papers.ssrn.com) How bad weather affects portfolio manager activity. nber.org) Financial regrets in old age. papers.ssrn.com).

Startup 246

Startup Portfolio Management Retirement Accounting 246

Abnormal Returns

DECEMBER 12, 2023

(investmentecosystem.com) The dispersion in private equity portfolio returns is not unexpected. alphaarchitect.com) Why portfolio managers shift styles. papers.ssrn.com) When do you need to take into account 'key person' risk? mailchi.mp) Factors You have to squint really hard to find a small-cap effect.

Portfolio Management 263

Portfolio Management Retail Assets Portfolio 263

A Wealth of Common Sense

AUGUST 22, 2024

Callie Cox, our new Chief Market Strategist at Ritholtz Wealth, joined me on the show this week to discuss questions about the potential for a recession, what the Fed should do now, going all in on the Nasdaq 100 in your retirement accounts and how markets move in off hours. Further Reading: What’s the Worst Long-Term Return For U.S.

Portfolio 136

Portfolio Retirement Accounting Marketing 136

The Big Picture

DECEMBER 11, 2023

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.” They all have agendas, none of which include the well-being of your portfolios. Here’s Reuters : “The main lobbying group for U.S.

Retail 353

Retail Accounting Sales Numbers 353

The Big Picture

AUGUST 26, 2022

My examples of overpriced, low-performing, abusive account management have been derided as outliers. As often happens in these circumstances, the ex-employee’s book gets divided up among the remaining brokers, whose jobs that weekend becomes retaining those accounts and their assets.

Accounting 353

Accounting Government Assets Management 353

The Big Picture

JANUARY 14, 2023

She explains why so much of ESG portfolio is misguided — instead of focusing on driving good outcomes, some ESG proponents are more concerned with negative screening. 1 has approached portfolio companies to facilitate their taking advantage of changing trends, especially in these areas. We discuss how Engine No.

Engineering 277

Engineering Financial Services Portfolio Accounting 277

Nerd's Eye View

SEPTEMBER 20, 2023

30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns.

Financial Planning 246

Financial Planning Risk Tolerance Retirement Planning Planning 246

Nerd's Eye View

SEPTEMBER 20, 2023

30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns.

Retirement 246

Retirement Planning Financial Planning Risk Tolerance 246

Abnormal Returns

AUGUST 9, 2022

evidenceinvestor.com) Customized portfolios are by definition more concentrated. researchaffiliates.com) How does index fund ownership affect firm accounting quality? (insights.factorresearch.com) Active share doesn't tell us anything about future performance. papers.ssrn.com).

Asset Allocation 240

Asset Allocation Accounting Portfolio Assets 240

The Big Picture

APRIL 4, 2024

Investors should be considering capturing some of that yield in their portfolios. We’re going to discuss how these changes are likely to affect your portfolios and what you should do about it. My stock portfolio is recovering. Investors should take this into account when they think about. They felt better.

Portfolio 162

Portfolio Management Assets Banking 162

Abnormal Returns

DECEMBER 20, 2023

(ofdollarsanddata.com) What's changing for retirement accounts in 2024. downtownjoshbrown.com) A lot of stuff matters beside your portfolio. obliviousinvestor.com) Splitting your portfolio in two. morningstar.com) Why it's so hard to stay retired when you retire early. humbledollar.com) Why TIPS, not funds, are different.

Retirement 279

Retirement Portfolio Taxes Accounting 279

Dear Mr. Market

DECEMBER 31, 2024

Three to six months worth of expenses tucked away in a high-yield savings account. Review Investment Allocations Markets evolve, and so should your portfolio. And My Portfolio Guide, LLC will be right here, cheering you on. Make room for saving and investingnot just spending. A good rule of thumb? New year, new financial you?

Budgeting 96

Budgeting Financial Planning Estate Planning Planning 96

Nerd's Eye View

JANUARY 13, 2023

Also in industry news this week: A study suggests that simplification is the top reason consumers combine their investment accounts, signaling that the onboarding process for new advisory client assets is a value-add in itself. The long-term portfolio growth trajectory clients can expect when implementing a dollar-cost averaging strategy.

Financial Planner 241

Financial Planner Retirement Planning Retirement Compliance 241

Trade Brains

NOVEMBER 6, 2024

These companies manage profitable real estate portfolios across various sectors. The process resembles buying regular stocks through your demat account. Portfolio Diversification: Through REITs, investors gain exposure to various property types. What are REITs? Top REITs for Small Investors 1. Their impressive 97.6%

Investing 98

Investing Investments Distribution Portfolio 98

Nerd's Eye View

AUGUST 9, 2024

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that a recent survey indicates that clients of financial advisors are more confident than others about their financial preparedness for retirement and are more likely to have a financial plan in place that can weather the ups (..)

Financial Planner 246

Financial Planner Taxes Financial Planning Estate Planning 246

The Big Picture

OCTOBER 20, 2023

That comp gets deposited directly into my bank account, and that money is available for purchasing necessities (food, housing, clothing, medicine, transportation, etc.) Instead of cherry-picking the S&P 500, what about a simple 60/40 portfolio (e.g., That compensation is in a currency that is a widely accepted medium of exchange.

Investing 340

Investing Investments Math Medicine 340

The Big Picture

JANUARY 26, 2023

My career in finance has coincided with an amazing string of disasters, ranging from the analyst scandal, IPO spinning, and accounting restatements, to say nothing of Enron, Bernie Madoff, and FTX. I am genuinely excited about a new presentation I have been working on since the holidays: How to Avoid Financial Disasters.

Accounting 297

Accounting Portfolio Investing Investments 297

Nerd's Eye View

AUGUST 30, 2024

Also in industry news this week: While many pre-retirees feel unprepared for retirement, longitudinal survey data suggest most will end up living a comfortable retirement, suggesting a role for financial advisors to show them projections of what their retirement could actually look like According to a recent survey, high-net-worth individuals are largely (..)

Financial Planner 241

Financial Planner Financial Advisor Retirement Clients 241

Nerd's Eye View

SEPTEMBER 27, 2024

Enjoy the current installment of "Weekend Reading For Financial Planners" - this week's edition kicks off with the news that a recent study by Cerulli has shown a sharp increase in the number of affluent investors willing to pay for advice, which on the one hand reflects the increasing financial complexity in peoples' lives (while they've also gotten (..)

Financial Planner 246

Financial Planner Fiduciary Duty CFP Accounting 246

A Wealth of Common Sense

FEBRUARY 16, 2024

Early on in my savings journey I prioritized tax-deferred retirement accounts over all else. I like the ease and simplicity of 401k contributions coming out of my paycheck before it ever even touches my checking account. It’s easy to automate. Plus, I like the fact that it’s difficult to get the money out of these ac.

Portfolio Management 133

Portfolio Management Retirement Planning Portfolio Management 133

A Wealth of Common Sense

JANUARY 19, 2023

A reader asks: Is it crazy to be 100% in stocks from age 32 to sometime in my 50s for my retirement accounts? And another reader asks a similar question: I don’t get why people work a 30+ year career while investing in stocks only to glide path into a heavier bond allocation around retirement.

Portfolio 145

Portfolio Retirement Accounting Investing 145

Abnormal Returns

NOVEMBER 17, 2023

alphaarchitect.com) Stock market skew makes portfolio concentration dangerous. biopharmadive.com) How startups might take GLP-1 drugs into account. Concentration How worried should you be by an increasingly concentrated stock market? awealthofcommonsense.com) Fund management Emerging market investors have a China decision to make.

Financial Advising 277

Financial Advising Startup Media Communication 277

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 246

Asset Allocation Wealth Accumulation Assets Portfolio 246