The Big Picture

MAY 9, 2023

He is the Chief Investment Officer of Asset and Wealth Management at Goldman Sachs. He co-chairs a number of the asset management investment committees. trillion in assets under supervision. JULIAN SALISBURY, CHIEF INVESTMENT OFFICER OF ASSET AND WEALTH MANAGEMENT, GOLDMAN SACHS: Thanks, Barry. And I think you will also.

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The Big Picture

SEPTEMBER 19, 2023

The transcript from this week’s, MiB: Elizabeth Burton, Goldman Sachs Asset Management , is below. Elizabeth Burton is Goldman Sachs asset management’s client investment strategist. It depends on your asset allocation. And they took it out of their asset allocation in favor of other strategies.

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MainStreet Financial Planning

MARCH 7, 2025

The two most common pricing models are fee-only financial planners (flat-fee or fixed-fee advisors) and AUM-based financial advisors (who charge a percentage of assets under management). Unlike AUM advisors, they dont have an incentive to keep assets under management, so their recommendations are truly objective.

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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. Diversifying Around It: Balancing the portfolio by investing in assets that offset the concentrated position’s risk. This includes the stock itself, its sector, industry, and other highly correlated assets.

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Carson Wealth

JANUARY 22, 2025

But what does this mean for your portfolio, and how can you continue to protect and grow your assets during these times? Higher numbers indicate more volatility, lower numbers mean less volatility, and a negative beta, which is rare, means an asset is expected to move in the opposite direction of the market. What Is Market Volatility?

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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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Investment Writing

MAY 7, 2024

That’s because, as Wylie Tollette, head of client investment solutions at Franklin Templeton Multi-Asset Services, said, that would take 30 years and a double-blind study, but no one would want to be in the control group. It’s hard to prove the benefits of diverse teams for investment performance through a scientifically rigorous study.

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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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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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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

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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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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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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Harness Wealth

JANUARY 29, 2025

This strategy gives individuals the opportunity to reinvest in comparable but not “substantially identical” assets (as defined by the IRS), and maintain a similar portfolio exposure. The tax treatment of this loss will depend on how long the asset has been held. All of this adds up to a total tax saving of $5,550.

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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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WiserAdvisor

APRIL 25, 2023

Rebalancing involves adjusting the mix of assets in your 401(k) portfolio to maintain a desired level of risk and return. 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.

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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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Dear Mr. Market

APRIL 2, 2025

Dear Mr. Market: This is perhaps one of our favorite articles and times of the year; not necessarily because of basketball but rather it allows us the opprtunity to articulate our main investment themes we see playing out for the remainder of the year. 1 GLD enters the region as the dominant force, and for good reason.

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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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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

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. It's a very complex, multi-asset, return stacked strategy.

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Harness Wealth

NOVEMBER 12, 2024

While it’s not always advisable to sell investments at a loss, it may make sense in your situation to consider selling underperforming assets, especially if you’re willing to invest in alternative assets that provide similar exposure without triggering a wash sale. Find your next tax advisor at Harness today.

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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). Typically, the most tax-efficient strategy will involve a multi-year approach when shifting asset buckets. In 2023, married couples fall into the 0% tax bracket with income under $89,250.

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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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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. Having that much in asset classes that are intended to not look like equities should mean that the long term result won't look anything like the stock market.

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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 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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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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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

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

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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Dear Mr. Market

MARCH 11, 2023

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. we’ll leave that to another article or letter to Dear Mr. Market !) Could there be some correlations to high tax levels and relatively large government expenditures?

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Discipline Funds

JULY 25, 2023

The global financial markets are roughly 50% stocks and 50% bonds which means that the average annual real return for the Global Financial Asset Portfolio is about 4% per year before taxes and fees. A good financial plan needs to allocate assets using a time blocking asset allocation like our All Duration strategy.

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Validea

SEPTEMBER 29, 2022

The downturn in stocks and other assets reflect a number of concerning things. Higher interest rates have made the affordability of homes and other assets much more costly. That article, along with a few conservations on our recent podcasts got me thinking about some moves a long-term, risk conscious investor might consider today.

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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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