Mr. Money Mustache

FEBRUARY 25, 2025

S&P returns (including dividends) since 2019, graph by the excellent portfolio visualizer website. Which makes the landlord business a lot less profitable, and we should expect exactly the same thing as stock investor: lower future profits as a percentage of our portfolio value. Its just basic math.

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Marketing Marketing Sales Portfolio 66

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. We've studied the Permanent Portfolio and 75/50 going way back to more recently the Cockroach Portfolio and the Dragon Portfolio.

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Asset Allocation Math Portfolio Assets 74

Random Roger's Retirement Planning

FEBRUARY 29, 2024

I am less interested int he fund than this excerpt from the beginning of the article. I've been saying meaningful yield without too much volatility is what investors hope the bond portion of their portfolio will give. The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated.

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Marketing Marketing Math Portfolio 95

Random Roger's Retirement Planning

JANUARY 6, 2025

The Wall Street Journal had an article about the fear common to retirees about outliving their money. The title of the WSJ article addresses outliving your money but doesn't spend very much time on a big part of the reason why this a concern which is needing needing to pay for some sort of very expensive assisted living or home health care.

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Retirement Retirement Planning Insurance Medical 52

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 ). We've talked just a couple of times about the market becoming increasingly concentrated which just in terms of math means that a diversified strategy will lag for as long as the big names do well. The love the word ballast.

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Retirement Asset Allocation Math Marketing 98

The Big Picture

JANUARY 21, 2025

Jonathan Clements : Yeah, when I was at Forbes after this initial spell as a fact checker, I was given the mutual funds beat and the core article as the mutual funds reporter for Forbes Magazine. You would offer three of their stock picks where they were probably touting stocks they wanted to unload from their portfolio.

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Random Roger's Retirement Planning

AUGUST 17, 2023

A couple of different articles that I think can weave together for a blog post. The title tells you the author's conclusion, Why Your Portfolio Should Hold Way More Than 30 Stocks. In my opinion the diversification benefit hits diminishing returns pretty close to 40 individual holdings based on math if nothing else.

Numbers 75

Numbers Portfolio Math Portfolio Management 75

Random Roger's Retirement Planning

JULY 1, 2022

Here's a quote I saw attributed to Barry Ritholtz: “The Best Portfolio is probably the one which sacrifices a bit of performance, but helps you sleep at night.” Barry's quote reminded me of another influence on how I try to manage client portfolio volatility and why I use alts (yes, that conversation continues). Cannot be done?

Portfolio 40

Portfolio Math Management Clients 40

Random Roger's Retirement Planning

APRIL 12, 2023

The Wall Street Journal had an article about the standard 60/40 portfolio , that is 60% allocated to stocks and 40% allocated to fixed income. It made no sense to buy down at that low yield to manage equity volatility and 2022 showed it increased portfolio volatility. Each portfolio is just one fund.

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Portfolio Math Clients Retirement 75

Random Roger's Retirement Planning

OCTOBER 29, 2023

This post looks at several interesting articles in the current Barron's. Normal 0 false false false EN-US X-NONE X-NONE A quick hit article on HSAs which have evolved to be more of a mainstream type of health insurance offered now as a benefit to employees. Here is an interesting quote from the first Barron’s article.

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Insurance Clients Math Portfolio 96

The Irrelevant Investor

APRIL 12, 2017

Hendrik Bessembinder An excellent piece from Bloomberg came out over the weekend, The Math Behind Futility , which looks beyond the usual explanations as to why the majority of professional stock pickers fail to keep up with an index. percentage points above the median, according to the article. down to 2.9%.

Math 52

Math Portfolio Management Numbers 52

Good Financial Cents

DECEMBER 10, 2022

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Risk Tolerance Media Investing Investments 112

The Big Picture

SEPTEMBER 19, 2023

Her job is portfolio and product solutions and that means she could go anywhere in the world and do anything. One, one is true and I’ve always said is that I wanted people to stop, ask if I could doing math. And no one asked me if I can do math anymore with a degree from Booth, particularly in econometrics and statistics.

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Random Roger's Retirement Planning

DECEMBER 10, 2023

A little more specifically the need for diversified portfolios persists with the implication that bonds are the way to get this done. This chart contributes to the logic supporting a 60/40 portfolio. As a matter of math, it cannot repeat the run from 8.5% down to 0.50% let alone from the all time high of 15% down to 0.50%.

Portfolio 74

Portfolio Math Assets Retirement 74

Darrow Wealth Management

OCTOBER 1, 2022

On the flip side, not having a mortgage in retirement can be beneficial if it reduces overall lifestyle costs and how much you’ll need to draw from your portfolio in retirement. However, if the goal is to pay off a mortgage before retirement to spend would-be mortgage payments on other things during retirement, the math may not work out.

Retirement 96

Retirement Taxes Math CFP 96

Darrow Wealth Management

MAY 22, 2023

Again just using simple math, this presumes the par value will roll over each month and reinvest at the same rate to get to the annual yield. Cash vs stocks: growth of $1M With an average annualized return under 1%, the cash portfolio only gains $92,000 over a decade. Compare that to the stated yield of 5.6% 467% a month.

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Investing Investments Accounting Wealth Management 102

Investing Caffeine

FEBRUARY 1, 2022

Math Matters. I did okay in school and was educated on many different topics, including the basic principle that math matters. With that said, I am always quick to point out that diversification in a portfolio is important (i.e., Source: Calafia Beach Pundit. Source: Edward Yardeni. www.Sidoxia.com. Slome, CFA, CFP®.

Math 52

Math Assets Investing Investments 52

Trade Brains

DECEMBER 7, 2023

In this article, we guide you through the list of top personal finance courses designed for beginner to intermediate-level learners. The course covers an introduction to personal finance, credit cards, life insurance, health insurance, investment instruments, loans, income tax and planning, budgeting and building a strong portfolio.

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Budgeting Certification Education Asset Allocation 59

Clever Girl Finance

JANUARY 29, 2023

Your assets include everything from the cash in your bank accounts to the value of your stock portfolios and the market value of anything tangible that you own such as a house or a car. If you are curious about how much savings you should have by what age , you'll find references to this throughout the article. Rowe Price.

Budgeting 119

Budgeting Retirement Assets Education 119

Random Roger's Retirement Planning

SEPTEMBER 6, 2024

Barron's dusted off the retirement bucket playbook in an article while also arguing that a 5% withdrawal rate in retirement can now be considered safe versus the more common 4%. The way the math works out, 4% has a success rate in the low 90's based on simulations and has never failed looking backward. Always read the comments.

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Retirement Math Portfolio Investing 45

Random Roger's Retirement Planning

DECEMBER 1, 2023

A commenter on a Yahoo article in italics and my reply if he'd have asked me in regular font. Part of the math that determines options premiums is the risk free rate of return from T-bills. The portfolio needs to still be managed in decent fashion but it is not the obvious road to ruin that thinking 10% is sustainable would be.

Math 74

Math Retirement Numbers Portfolio 74

Clever Girl Finance

OCTOBER 20, 2022

We've got you covered in this article. Figuring out how to calculate liquid net worth is as simple as doing a quick math equation: Liquid assets - liabilities = liquid net worth. Don't worry—there is an answer to the question, "What is my liquid net worth" that doesn't involve solving math equations. 6,000 in stocks.

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Assets Accounting Math Portfolio 59

Random Roger's Retirement Planning

NOVEMBER 19, 2023

There are some interesting comments on the article though as is often the case. If the 4% treasury portfolio pays out $50,000 today, it will pay the same $50,000 in 2038 with no growth in account value. Part of the math that determines options premiums is the risk free rate of return from T-bills.

Retirement 75

Retirement Accounting Math Healthcare 75

Good Financial Cents

FEBRUARY 10, 2023

You may only earn about $50 per article when you start, but you can increase that to $200, $300, and more as you gain experience, depending on the subject. If you’re interested in freelance writing, check out Holly Johnson’s article on this site, How to Become a Freelance Writer (from 0 to $30,000+ per month).

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Advertising Media Food Management 102

Brown Advisory

MAY 3, 2018

We try to remind them that rising rates, despite their inevitable short-term effect on fixed-rate bond prices, do not necessarily mean long-term declines for bond portfolios generally or for municipal bond portfolios specifically. MUNICIPALS AND RISING RATES Simple math dictates that when yields rise, fixed-rate bond prices fall.

Taxes 52

Taxes Portfolio Valuation Clients 52

Brown Advisory

MAY 3, 2018

We try to remind them that rising rates, despite their inevitable short-term effect on fixed-rate bond prices, do not necessarily mean long-term declines for bond portfolios generally or for municipal bond portfolios specifically. Simple math dictates that when yields rise, fixed-rate bond prices fall.

Taxes 52

Taxes Portfolio Valuation Clients 52

Good Financial Cents

JUNE 25, 2023

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Investing 76

Investing Investments Accounting Commission 76

Good Financial Cents

FEBRUARY 8, 2023

You can even create a portfolio of videos, each earning you a little bit of revenue every month. To be successful, you will need to add content regularly, including articles, podcasts, and videos. If starting a blog sounds intriguing, check out this article which explains how I’ve made over $1,097,757 from blogging !

Advertising 105

Advertising Sales Media Math 105

David Nelson

NOVEMBER 27, 2023

Do the math S&P 500 Top Performers Bloomberg Data 25% of the S&P 500 is up more than the index this year. Constructing a portfolio that keeps you in the game is better than not playing the game at all. At the time of this article some funds managed by David were long AAPL, MSFT, GOOGL, META and AMZN

Investing 52

Investing Investments Math Management 52

Random Roger's Retirement Planning

JUNE 27, 2022

Quite a few years years ago, like maybe 15, I wrote several posts about an idea for portfolio construction from Nassim Taleb where he said he put 90% of his money in T-bills from around the world and then put the remaining 10% in very aggressive holdings with great potential for asymmetric returns. NFDIX gives the portfolio/index 11.2%

Portfolio 40

Portfolio Math Management Investing 40

Good Financial Cents

APRIL 14, 2023

Somebody had to write each and every one of those articles and posts. You can easily make $1,000 or more each month writing just a few articles. I write online content for a living, earning an average of $20,000 to $30,000 per month writing articles, book chapters, and slideshows for a variety of websites and individuals.

Accounting 91

Accounting Communication Investing Investments 91

The Big Picture

OCTOBER 21, 2024

I’m good at math and science and you know, I always had an idea what go into business, but I felt that electrical engineering would be a good foundation. You know, I, it always, I I see different numbers all the time, so it’s always kinda like, who’s math if you will? 00:02:16 [Speaker Changed] Me too. Interesting.

Numbers 147

Numbers Banking Investing Investments 147

Brown Advisory

AUGUST 1, 2019

The SECURE Act may pass into law later this year, and if it does we will update this article accordingly. Moving to a different state, with potentially very different tax treatment for retirement assets, may change the math governing how the decision plays out over time.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

AUGUST 1, 2019

The SECURE Act may pass into law later this year, and if it does we will update this article accordingly. Moving to a different state, with potentially very different tax treatment for retirement assets, may change the math governing how the decision plays out over time.

Planning 52

Planning Distribution Taxes Accounting 52

Trade Brains

DECEMBER 16, 2022

In this article, we will understand what is ROE and also look at high ROE stocks in India. And when used for ROE, as per the basic rule of math, if the denominator decreases, the fraction as whole increases i.e, In this article, we looked at the companies with high ROE in different categories. What is ROE or Return On Equity?

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Pharmaceutical Manufacturing Engineering Distribution 59

The Big Picture

JANUARY 9, 2024

Barry Ritholtz : 00:03:34 All right, so you go to Yale Law School, you are on the law review, given your current career as a writer, did you, did you publish a, a law review article? So like a component of it was like the standard derivatives math, right? And so like, you know, I got there and I learned derivatives math, right?

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The Big Picture

OCTOBER 17, 2023

So I, I did a math degree at Oxford, which is more pure math. You know, pure math can be very theoretical and detached from the real world, and it’s getting worse. It’s just math stick to it over long periods of time. And then I was looking for something more applied. The second is excess returns.

Investing 130

Investing Investments Clients Numbers 130