Tobias Financial

MARCH 16, 2025

A portfolio review can help you: Assess your investment objectives and confirm they align with your financial plan Evaluate your time horizon and risk tolerance Ensure proper diversification and asset allocation Review tax management strategies, including capital gains and the Net Investment Income Tax (NIIT) Monitor performance beyond just returns, (..)

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The Chicago Financial Planner

FEBRUARY 5, 2022

Quoted in a Wall Street Journal article before the 2016 game, respected Wall Street analyst Robert Stoval said, “There is no intellectual backing for this sort of thing, except that it works.”. Perhaps it’s time to rebalance and to rethink your ongoing asset allocation. Some notable misses for the indicator include: St.

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Investment Writing

MAY 7, 2024

Here’s an excerpt from the summary: Asset allocators favored the White-led, racially homogenous team when credentials were stronger, but the Black-led, racially diverse team when credentials were weaker. I believe he was referring to this study: “ Race influences professional investors’ financial judgments ,” which he coauthored.

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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. I haven't looked in awhile I guess but yowza, a lot of option-centric funds.

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MainStreet Financial Planning

MARCH 7, 2025

If youre searching for a fiduciary financial planner, flat-fee financial planning, or the best alternative to AUM-based advisors, this article will help you decide which model is right for you. Are There Any Benefits to AUM-Based Advisors?

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Random Roger's Retirement Planning

NOVEMBER 8, 2024

I found their asset allocation and wanted to see from the top down if there's a way to mimic them to some extent and get decent results. Yahoo Finance had a cleverly titled article; Generation X is gloomy, but their retirement reality may not bite. A few different things today. Here's how I built the portfolio. No kidding.

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Carson Wealth

MARCH 7, 2024

Develop Your Personal Asset Allocation Now that have your 401(k) and IRA open and funded, how can you determine the correct asset allocation for each? This article is designed to provide accurate and authoritative information on the subjects covered. Again, I wish I had that crystal ball! Talk to us today.

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Darrow Wealth Management

MARCH 13, 2025

If one stock makes up more than 10% of your overall asset allocation, it’s probably too much. This includes the stock itself, its sector, industry, and other highly correlated assets. What is a concentrated stock position? A diversified portfolio is the cornerstone of a risk-adjusted investment strategy.

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Random Roger's Retirement Planning

JANUARY 22, 2025

The starting point today is the that Rational ReSolve Adaptive Asset Allocation Fund (RDMIX) has gone through a strategy change, renaming as the ReturnStacked Balanced Allocation & Systematic Macro Fund and keeping the same symbol. " balanced allocation and $1 of exposure to a systematic macro strategy."

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Carson Wealth

JANUARY 22, 2025

The process of diversifying among asset classes is known as asset allocation, and the exact composition should be based on your financial goals and risk profile. You can also further diversify within an asset class. You should be re-evaluating your asset allocation at regular intervals to keep your portfolio on track.

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MainStreet Financial Planning

DECEMBER 20, 2023

Identify what areas you could cut back or reallocate funds to align with your financial goals for the new year If you don’t yet have a budget – here is a great article from Vida about a good place to start Consider using a budgeting app to help you track your spending – here are a few good options of apps we would recommend.

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Alpha Architect

FEBRUARY 28, 2023

In this article, the authors examine the research on the benefits of international diversification. Some argue that because equity markets generally crash simultaneously, there are no benefits to having equity diversification. The evidence from this paper rejects this hypothesis. Does International Diversification Work?

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The Big Picture

MAY 9, 2023

So what we find, and then of course we have a multi-asset solutions business where we talk to clients about the entirety of their portfolio, their strategic asset allocation models. So you’re Chief Investment officer of Asset and Wealth Management. So we start with a strategic asset allocation.

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Random Roger's Retirement Planning

JUNE 10, 2024

The title of today's post is essentially the question asked in a Bloomberg Article ( syndicated at Yahoo ). How many articles have you read about bonds being a good ballast for equity volatility? The TLDR is that broad diversification has lagged behind simple market cap weighting for the last 15 years. The love the word ballast.

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Random Roger's Retirement Planning

JULY 9, 2022

Barron's has an article this weekend titled 3 Things To Do To Manage A Bear Market Early In Retirement. As I read the article I thought about the above referenced scene where Michael Corleone counters Senator Geary. The 2 or 3 diversifiers would likely go up and you'd avoid selling other assets low. of now anyway.

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Validea

JULY 27, 2022

The James Webb Telescope is a game-changing astronomical research tool, but this is an investing blog so I won’t spend the whole article talking about astronomy (although I wish I could), but instead I’ve tried to weave together what investors may be able to learn from the James Webb Telescope and its incredible new footage of the universe.

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Alpha Architect

SEPTEMBER 25, 2023

The article explores the limitations of traditional country-level stock market indexes that are constructed based on the domicile of issuing firms. Geographic Investing and Company Operations was originally published at Alpha Architect. Please read the Alpha Architect disclosures at your convenience.

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Random Roger's Retirement Planning

DECEMBER 22, 2024

GAA stands for Global Asset Allocation and it has been lagging for 15 years. Barron's had an article about alternatives sought by the "super rich. Included in the article were aging whiskey which I don't what that is, like maybe something to do with leasing the barrels? Here's a great chart to illustrate the point.

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Random Roger's Retirement Planning

NOVEMBER 3, 2022

There has been discussion in the last couple of days in articles and Tweets trying to look at some of the drawbacks with bond funds beyond the obvious and what might be described as an exploration about what to use instead of bonds, like the types of alternatives we've been looking at for a long time here.

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Random Roger's Retirement Planning

DECEMBER 28, 2022

Morningstar had an article titled 3 Ways To Simplify Your Portfolio and while some of the points made sense, others missed the target somewhat. Owning two actively managed mutual funds may or may not be ideal but that's not the point, the point of the article is simplification. This isn't automatically an act of simplification.

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WiserAdvisor

APRIL 25, 2023

This article will explore how often to rebalance your 401(k). Rebalancing a 401(k) refers to adjusting the asset allocation of your investment portfolio back to its original target percentages. As a result, your portfolio’s allocation changes from its original, and it now consists of 60% stocks, 25% bonds, and 15% cash.

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Advisor Perspectives

NOVEMBER 5, 2024

In this article, we’ll remind you what listed real assets are, explain how they fit into an asset allocation, and help you understand why we believe now is an attractive time to invest in the asset class.

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Random Roger's Retirement Planning

NOVEMBER 12, 2023

The idea that fund company determines the asset allocation, referred to in this context as a glide path, makes no sense to me and then factor in that fund companies uses different glide paths. The refrain from the article is to stay the course which is not surprising even if a little disappointing. That can be true.

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Darrow Wealth Management

JANUARY 30, 2023

The couple could reinvest the proceeds right away (being mindful of their overall asset allocation and tax-loss harvesting rules). Article was written by Darrow Wealth Management President Kristin McKenna and originally appeared on Forbes. In 2023, married couples fall into the 0% tax bracket with income under $89,250.

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Random Roger's Retirement Planning

JULY 8, 2023

Barron's had a fun article that looked at some ideas from William Bernstein titled The Trick To A Bullet Proof Portfolio? I'm a sucker for this sort of article. That is not guessing what markets will do, that is just managing asset allocation and cash needs. Invest For The Very Worst Of The Worst.

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Random Roger's Retirement Planning

JULY 15, 2024

First up, the Harvard Endowment which posted the following asset allocation. Here's an article at theStreet.com from 2007 where I bagged on PSP. Arguably neither one is very close in terms of how it replicates but borrowing the asset allocation from the top down yields what I would call a valid result. I used PSP.

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Random Roger's Retirement Planning

OCTOBER 19, 2023

Here's the latest about Harvard from Bloomberg that included this chart of the asset allocation. It's not that someone could not copy the asset class exposure, just that the return streams would not look the same and often, various forms of sophistication replication does not really work in fund form. Black is 2023.

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Validea

APRIL 20, 2023

is forgoing the traditional 60/40 portfolio and turning to public and private investments instead, reports an article in Bloomberg. In a recent note, strategists from the research department of the firm advised dividing up the standard asset allocation and shifting “from broad allocations to public equities and bonds.”

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Brown Advisory

MARCH 28, 2019

On A Shoestring ajackson Thu, 03/28/2019 - 08:20 In this article, we offer a robust analytical framework that can help endowments and foundations think about spend-rate planning, in terms of key risks they face such as short-term drawdown risk and long-term erosion of capital. expected dispersion from mean returns).

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Brown Advisory

MARCH 28, 2019

In this article, we offer a robust analytical framework that can help endowments and foundations think about spend-rate planning, in terms of key risks they face such as short-term drawdown risk and long-term erosion of capital. On A Shoestring. Thu, 03/28/2019 - 08:20. expected dispersion from mean returns).

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The Irrelevant Investor

MARCH 3, 2019

Articles The economists of the early 20th century did not foresee that work might evolve from a means of material production to a means of identity production. By Derek Thompson Socialism is the symptom, but the underlying problem is cronyism By Barry Ritholtz The 401(k) was supposed to be an extra savings account and nothing more.

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Harness Wealth

JANUARY 29, 2025

Portfolio rebalancing: Selling underperforming assets helps investors maintain an optimal asset allocation. This article should not be considered tax or legal advice and is provided for informational purposes only. This article is a product of Harness Tax LLC.

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The Irrelevant Investor

JULY 1, 2018

By Drew Voros When you chase outperformance, you catch underperformance. By Jason Zweig Podcasts Designing an index is the new active With Patrick O'Shaughnessy and Eric Balchunas “What’s the one thing about money you wish someone told you when you were younger?”

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Yardley Wealth Management

DECEMBER 23, 2022

In a recent article in the Wall Street Journal, the writer opined that the stock market the economy had diverged from each other, and that won’t last long, and pretty soon, they’ll be back together. We think that whatever your asset allocation should be, it should be for the intermediate future, if not for the rest of your life.

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Discipline Funds

JULY 25, 2023

A good financial plan needs to allocate assets using a time blocking asset allocation like our All Duration strategy. This means allocating assets so that you increase the certainty of having a certain amount of assets for specific time based goals. 4) Don’t chase the panic and euphoria.

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Investing Caffeine

JANUARY 2, 2024

This article is an excerpt from a previously released Sidoxia Capital Management complimentary newsletter (January 2, 2024). Subscribe Here to view all monthly articles. Time will tell if 2024 will make this baby cry, but whatever the market faces, declining inflation and interest rates should act as a pacifier. Slome, CFA, CFP® Plan.

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Validea

DECEMBER 7, 2022

In the last 40 years, each bear market at the beginning of a new decade rebounded, the comebacks driven by innovation, contends an article in Chief Investment Officer. Quick Links Validea Special Discount Offer Top Value Stocks in Today’s Market Choose from 20+ Actionable Model Portfolios – View Portfolios.

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