Random Roger's Retirement Planning

FEBRUARY 24, 2024

In the case of real estate a 2.29% weighting and for "private equity" companies it's about 17 basis points (looked at XLF holdings and then did a little math), that's just not going to move the needle. You may agree with Jack about not needing those things, that's valid, my point is that owning an index fund isn't a proxy for them.

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Random Roger's Retirement Planning

JUNE 30, 2024

The latest retirement disaster article from Yahoo focuses on 55 year olds who have a "median savings of less than $50,000." Yahoo says it's "bleak" because this cohort is "only about a decade from retiring." A harsh reality is that $50,000 is not a retirement fund but it is a pretty robust emergency fund.

Retirement 75

Retirement Math Taxes Accounting 75

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. I realized I had enough to retire if I wanted to. But learning how to spend in retirement. And it was very formulaic.

Investing 147

Investing Investments Management Retirement 147

Mr. Money Mustache

FEBRUARY 25, 2025

The value of the S&P 500 index of stocks, where most of us hopefully have a good chunk of our retirement savings stashed into index funds, is up about fifty seven percent in just the past two years. Does this make it more vulnerable to a huge crash in the future, and will it affect my retirement? Its just basic math.

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Marketing Marketing Sales Portfolio 66

Random Roger's Retirement Planning

DECEMBER 3, 2024

There was an article on LinkedIn (via Abnormal Returns) by Victor Haghani that dug into the math working against leveraged ETFs. Eric Balchunas from Bloomberg was baffled because the 1x version only has $60 million in AUM and trades about $1 million per day.

Math 52

Math Portfolio Retail Clients 52

Random Roger's Retirement Planning

APRIL 22, 2024

Jason Zweig wrote an article titled How Not to Invest in the Bond Market. The article devoted a good amount of space to bond market math, focusing on the pain of owning the iShares 20+ Year Treasury ETF (TLT) and bond funds in general. The title of course piqued my interest. This quote from Jason surprised me.

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Marketing Marketing Financial Advising Math 98

Clever Girl Finance

JANUARY 29, 2023

This is very important for retirement, and knowing what your target net worth by age should be will help you better understand how to reach your personal financial goals. If you are curious about how much savings you should have by what age , you'll find references to this throughout the article. Your liabilities are your debts.

Budgeting 119

Budgeting Retirement Assets Education 119

Clever Girl Finance

FEBRUARY 21, 2024

The term personal finance ratios might give you flashbacks to math class, learning various formulas, equations, and ratios. Articles related to organized finances and financial literacy Calculate your personal finance ratios! Retirement ratio 25x your annual expenses Ever find yourself asking, “ Can I retire yet?

Assets 98

Assets Numbers Math Retirement 98

Random Roger's Retirement Planning

FEBRUARY 29, 2024

I am less interested int he fund than this excerpt from the beginning of the article. The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. Barron's had a quick profile on the Blackrock Flexible Income Fund (BINC) which is an active ETF managed by Rick Reider.

Marketing 95

Marketing Marketing Math Portfolio 95

Clever Girl Finance

JULY 13, 2024

More articles related to budgeting Save more money with the 60/30/10 budget! With this system, you will use 60% of your take-home pay to build your savings or even an early retirement account , invest, save up for a down payment, or repay debt. Another example is anyone interested in achieving FIRE; Financial Independence Retire Early.

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Budgeting Transportation Retirement Food 98

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. My experience is that the typical retired person/couple expects growth in exchange for some volatility from the equity portion of their portfolio, they don't want it from their fixed income sleeve.

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Portfolio Math Clients Retirement 75

Random Roger's Retirement Planning

DECEMBER 15, 2024

Bloomberg had an article titled As Gen-X Nears Retirement, Many Fear They Can't Afford It-Now or Ever. The article profiled a half dozen Gen-Xers ranging from 45-60. You're gonna want to retire some day and your 401k is how do it. Generally they all plan to work to 70 or beyond out of necessity. Probably not. Probably so.

Retirement 52

Retirement Retirement Planning Numbers Planning 52

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 difficult to pull off but if you do the math on that it shows long term outperformance. Invest For The Very Worst Of The Worst.

Asset Allocation 74

Asset Allocation Math Portfolio Assets 74

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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Clever Girl Finance

DECEMBER 16, 2023

Articles related to budgeting methods Give the 70-20-10 budget a try! Once you know your weekly or monthly income, you can do the simple math of calculating how much 70% would be. We all need an emergency fund, and to save more long-term (think: retirement). Time is one of the most powerful tools in retirement savings.

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Budgeting Retirement Accounting Taxes 96

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. By enrolling in this course you will learn to manage your finances more effectively by mastering budgeting and portfolio creating for a healthy retirement corpus. You can enroll in the course here.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Random Roger's Retirement Planning

DECEMBER 1, 2023

A quick excerpt from a post a couple of weeks ago about retirement misconceptions. A commenter on a Yahoo article in italics and my reply if he'd have asked me in regular font. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal.

Math 74

Math Retirement Numbers Portfolio 74

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.

Retirement 45

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Clever Girl Finance

SEPTEMBER 11, 2023

Articles related to the 50-30-20 budget Leverage the 50-30-20 budget today! And don’t worry if math isn’t your thing because we’ve included 50 30 20 budget spreadsheet ideas to help you stay on top of your budgeting strategies. Beyond that, focus on your retirement savings. Is the 50-30-20 budget gross or net?

Budgeting 104

Budgeting Taxes Transportation Healthcare 104

Random Roger's Retirement Planning

FEBRUARY 4, 2024

Today's post will look at a couple of different retirement articles that I stumbled into this weekend. The Economist posted an opinion piece titled Why You Should Never Retire that I found via a Thread from Unusual Whales. I don't think that everyone loses purpose by retiring or otherwise moving on to a new chapter.

Retirement 40

Retirement Math Government Taxes 40

Yardley Wealth Management

OCTOBER 26, 2020

Social Security Retirement Planning . I had the opportunity to share my thoughts on Social Security with Tracey Longo at Financial Advisor Magazine for her article Advisors Concerned As Covid Speeds Projected Social Security Shortfall. You really do get the extra 8% per year after you’ve reached your full retirement age.

Wealth Management 52

Wealth Management Estate Planning Financial Planning Retirement Planning 52

Midstream Marketing

SEPTEMBER 24, 2019

They spend hours writing articles and finally hit that “Submit” button… only to not get anywhere near the number of leads that they thought they would. Other times, it’s because those articles were created without a real SEO strategy behind them. If, of course, they were even able to generate leads at all.

Financial Advisor 52

Financial Advisor Retirement Planning Retirement Planning 52

Random Roger's Retirement Planning

AUGUST 17, 2023

A couple of different articles that I think can weave together for a blog post. This article obviously favors more stocks but an interesting thing not said was at what number would it make sense to just flip from individual holdings to mutual funds and ETFs. The first one was in Barron's, it was a quick read studying diversification.

Numbers 75

Numbers Portfolio Math Portfolio Management 75

Good Financial Cents

JULY 3, 2023

Calculation Breakdown Let’s break down the math to find out how much you could earn annually with a $30 hourly wage: Consider an average workweek of 40 hours and an average year consisting of 52 weeks. Let’s do math again! Retirement/Savings $832.00 . $30 an Hour Is How Much a Year? Utilities $300.00 Groceries $300.00

Budgeting 73

Budgeting Taxes Numbers Retirement 73

Walkner Condon Financial Advisors

JUNE 2, 2023

And in our research for this article, we were happy to learn that we are trending in the right direction. In this regard, financial planning seems to differ from science, technology, engineering and math (STEM) careers where many women leave their jobs in their mid-thirties after a few years of experience on the job.”

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Random Roger's Retirement Planning

DECEMBER 10, 2023

There was a lot of content from various places over the weekend about whether it is time to go back into bonds, what retired investors should do for yield and even whether retirees are better off going 100% into equities. As a matter of math, it cannot repeat the run from 8.5% Barron's also noted that 60/40 was up 9.6% in November.

Portfolio 74

Portfolio Math Assets Retirement 74

Clever Girl Finance

OCTOBER 20, 2022

We've got you covered in this article. Retirement accounts. 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.

Assets 59

Assets Accounting Math Portfolio 59

Clever Girl Finance

JUNE 5, 2023

Articles related to leaving a job Leverage these tips for leaving a job the right way! Make sure you have done the math. Or perhaps you want to work fewer hours to spend time with your family, or maybe your retirement savings is well-funded , and you find that a part-time job would be a better choice.

Planning 95

Planning Math Management Business Planning 95

Clever Girl Finance

JANUARY 29, 2023

The math for this adds up over years of work and can cost quite a bit of income. Needless to say, the ability of black women to achieve financial goals like homeownership and retirement is extremely difficult. The gender wage gap is much wider than average for people of color. The student debt crisis is part of that.

Budgeting 105

Budgeting Education Planning Government 105

The Big Picture

MAY 9, 2023

So I took it upon myself to go off and took a course in bond math, took another course in derivatives and realized the underlying fundamental concepts were barely, I mean, it wasn’t even high school math in most cases. I didn’t know what any of these terms meant. SALISBURY: Sure. SALISBURY: Yes. SALISBURY: Yes.

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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

Clever Girl Finance

AUGUST 2, 2022

Let’s look at one tried-and-true way of multiplying your assets: retirement accounts. How to turn 10K into 100K through investing in retirement accounts. Although it may not sound glamorous, retirement accounts are a solid means of increasing your money. IRAs or Roth IRAs. without penalties. Similar to the 401(k) is a 403(b).

Education 59

Education Retirement Investing Investments 59

Brown Advisory

AUGUST 1, 2019

So it may be surprising to hear that a Roth IRA—a vehicle ostensibly intended for retirement income—can be a powerful mechanism for next-generation wealth transfer. Background Since January 1, 2010, all individuals, regardless of income levels, have been able to convert existing retirement accounts such as traditional IRAs into Roth IRAs.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

AUGUST 1, 2019

So it may be surprising to hear that a Roth IRA—a vehicle ostensibly intended for retirement income—can be a powerful mechanism for next-generation wealth transfer. Since January 1, 2010, all individuals, regardless of income levels, have been able to convert existing retirement accounts such as traditional IRAs into Roth IRAs.

Planning 52

Planning Distribution Taxes Accounting 52

The Big Picture

SEPTEMBER 19, 2023

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. So people really ask you, you take French and can you do math. So I applied to Maryland State retirement.

Assets 147

Assets Management Investing Investments 147

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

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.

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Accounting Communication Investing Investments 91