Abnormal Returns

MARCH 20, 2024

peterlazaroff.com) Investing There's no magic rule for asset allocation. theconversation.com) Taxes Earned income? flowfp.com) Billionaires pay their taxes differently. (podcasts.apple.com) Peter Lazaroff talks with Manisha Thakor author of “MoneyZen: The Secret to Finding Your “Enough.” Your child can open a Roth IRA.

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Financial Symmetry

JUNE 10, 2024

Did you know what account you place your investments in can make a meaningful difference in taxes over your investing lifetime? This is called asset location, and Vanguard has found that it can save you up to 0.60% annually in … Continued The post Asset Location appeared first on Financial Symmetry, Inc.

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Validea

APRIL 17, 2023

Most investors pay close attention to their asset allocation. And that makes sense since research has shown that the asset classes a portfolio is allocated to drive the majority of its return over time. But asset allocation isn’t the whole story.

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The Big Picture

SEPTEMBER 28, 2022

What is in your control : Your Portfolio : You want to create something robust enough to withstand drawdowns and recessions; not necessarily the best possible set of assets but the ones you can live with day in and day out. This includes a broad Asset Allocation including full Diversification of asset classes, geographies, etc.

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The Big Picture

AUGUST 20, 2024

The transcript from this week’s, MiB: Mike Greene, Simplify Asset Management , is below. We have to pay attention to this, and we have to understand why this is potentially a risky asset. Precisely because we look at it and we’re like, wait a second, if this risk goes wrong, not only do I lose my assets, but I lose my job.

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Truemind Capital

JULY 8, 2024

🔊 Play Audio Have you heard of the Income Tax Saving Festival in India? Well, usually it starts in the last quarter of the financial year (Jan-Mar) when many employees scurry to provide investment proof to save tax outgo. If not already, why not from today?

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Harness Wealth

NOVEMBER 12, 2024

As the year comes to a close, now is the time to review potential financial moves to help minimize your tax burden heading into 2025. Proactive year-end tax planning can lead to significant savings and set you up for financial success in the new year. Find your next tax advisor at Harness today. Starting at $2,500.

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Darrow Wealth Management

OCTOBER 29, 2024

Your asset allocation is the percentage of your portfolio that you distribute between different asset classes, like stocks and bonds. To rebalance your portfolio, you’ll buy and sell certain investments to realign to your accounts with your desired asset allocation. How often should I rebalance my 401(k)?

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Carson Wealth

OCTOBER 26, 2022

As the tax year draws to a close, many high-income investors will look to reposition their portfolios to intentionally generate losses as a way to offset gains — an investment strategy known as tax loss harvesting. A net neutral tax position. What Is Tax Loss Harvesting? How Tax Loss Harvesting Works.

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Validea

NOVEMBER 9, 2024

For those in high-tax states, dividends can be particularly tax-inefficient. The Ancient Wisdom of Asset Allocation Interestingly, Faber draws inspiration from a 2000-year-old investment principle found in the Talmud, which suggests dividing one’s portfolio into thirds: business, land, and reserves.

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Discipline Funds

AUGUST 16, 2024

When it comes to asset allocation the old rule of thumb is roughly “your age in bonds” The basic thinking is that you should get more conservative as you get older. You’re either going to pass away soon OR the assets will become someone else’s. Asset allocation should be mostly boring.

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Abnormal Returns

NOVEMBER 21, 2022

riabiz.com) Retirement Why retirees should include Social Security into their asset allocation. morningstar.com) Delaying taxes in retirement isn't always the best strategy. thinkadvisor.com) How Notice 2022-53 has affected the tax code. (riabiz.com) CI Financial ($CIXX) is planning to spin-off its U.S.

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Advisor Perspectives

DECEMBER 26, 2023

Advisors are being asked to provide their clients with a full suite of solutions, ranging from estate and tax planning to portfolio management, and everything in between. Clients are increasingly eager to gain access to fully customizable solutions that meet their individual needs.

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Carson Wealth

MARCH 7, 2024

Set Up Another Retirement Account Individual Retirement Accounts (IRAs) may offer tax advantaged savings as well. Contributions are taxed on the way in with these accounts. Most likely you are going to be in a lower tax rate now versus when you are older, which makes it a more tax advantageous way to save.

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Talon Wealth

OCTOBER 26, 2023

Of course, one of the most important aspects of retirement planning is managing retirement taxes. Taxes can significantly impact the amount of money you’ll have for retirement. As such, you must be aware of any tax implications arising from your investments during your working years.

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Truemind Capital

APRIL 19, 2024

Consequently, the portfolio allocation should reflect these probabilities depending on the risk profiles. Therefore, we maintain our underweight position to equity (check the Model Portfolio Current asset allocation below). One can consider debt portfolios with floating rate instruments for long-term allocation.

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Nationwide Financial

JANUARY 25, 2023

Review risk tolerance and current asset allocation strategy It’s important to ensure your clients’ portfolios align with their risk tolerance because taking too much risk can negatively impact their ability to navigate market fluctuations. You can help them start the year right by conducting a retirement checkup.

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Talon Wealth

AUGUST 26, 2023

Of course, one of the most important aspects of retirement planning is managing retirement taxes. Taxes can significantly impact the amount of money you’ll have for retirement. As such, you must be aware of any tax implications arising from your investments during your working years.

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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. In fact, state revenues were often at all time highs from taxes when this happened. It depends on your asset allocation.

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Truemind Capital

JANUARY 24, 2024

Hybrid mutual funds have industry-wide assets under management (AUM) of INR 4.70 In conservative HF, equity allocation is between 20-40% whereas, in an aggressive HF, equity allocation is between 65-85% and the rest is in debt. Investing in an HF doesn’t give you the option to redeem from the asset class of your choice.

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Investing Caffeine

MARCH 1, 2024

It took the Nikkei over 34 years to surpass its previous record peak, which was last achieved in 1989 when Japan experienced a massive bursting of an asset bubble. Tax Time April is fast approaching, which means it’s that time of the year when Uncle Sam will come knocking on your door with your tax bill. www.Sidoxia.com Wade W.

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WiserAdvisor

FEBRUARY 29, 2024

They help with asset allocation Asset allocation is an important component of successful retirement planning, and working with the best financial advisors for retirement can provide invaluable guidance in navigating this complex terrain. This can help optimize your wealth accumulation while mitigating unnecessary risks.

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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. Rebalancing a 401(k) refers to adjusting the asset allocation of your investment portfolio back to its original target percentages. Click to compare vetted advisors now. What is 401(k) rebalancing?

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Discipline Funds

DECEMBER 20, 2023

Asset and Liability Matching. Good financial planning is all about asset and liability matching across time. That means you need to make sure you understand how your income and assets relate to your expenses and liabilities. A financial plan with an asset liability mismatch is likely to fail over time.

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Discipline Funds

FEBRUARY 21, 2023

This innovative approach to asset allocation helps improve the probability of meeting your financial goals by helping you better understand your liabilities and the way specific assets align with those liabilities. We then apply the proper assets based on liability needs, not based on asset performance wants.

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Truemind Capital

SEPTEMBER 30, 2024

FDs may not even help in wealth preservation if you fall into a higher tax bracket (20% & above). But money is required after 5 years, so exposure to equity asset class was recommended to achieve optimum asset allocation mix. #2 2 : FDs were done at very low rates. E.g. 6-6.5%.

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Tobias Financial

APRIL 11, 2024

Edzai and Franklin will cover a wide range of essential topics including managing student debt, understanding employer-provided benefits, retirement planning fundamentals, holistic asset allocation for tax-efficient returns, risk management, and asset protection strategies.

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Random Roger's Retirement Planning

DECEMBER 30, 2023

If all you use is a broad index fund then it will either be a good year or not so good, but assuming the proper asset allocation, who cares? That's enough to get it done assuming an adequate savings rate, appropriate asset allocation and no panicking.

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Truemind Capital

OCTOBER 18, 2024

Here is what’s happening currently- Stock markets are rising Bond Prices are increasing / Bond Yields are falling Gold is trending upwards Real Estate Prices are inching upwards ALL KEY ASSET PRICES ARE GOING NORTHWARDS! We maintain our underweight position to equity (check the asset allocation section) on the back of pricey markets.

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Truemind Capital

JUNE 21, 2024

Our solution : – Asset allocation alignment : Created a broader level asset allocation strategy across equity, debt, and gold to align with the risk profile and investment objective of the client. – Minimize shifting costs : We removed all the underperforming funds by minimizing tax and exit load impact.

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Random Roger's Retirement Planning

MARCH 30, 2024

Circling back to model ETF portfolio mentioned at the top of this post, the asset allocation was as follows. US Equity 56% Trend Following/Tactical 38% Emerging Market Equity 5% Cash 1% I don't know often that changes but that there is not a permanent allocation to fixed income is of course intriguing to me.

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Random Roger's Retirement Planning

JULY 15, 2024

First up, the Harvard Endowment which posted the following asset allocation. 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. The private equity piece isn't great. I used PSP.

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Random Roger's Retirement Planning

OCTOBER 11, 2024

Crittenden manages the Standpoint Multi-Asset Fund (BLNDX/REMIX) which I've owned personally and for clients pretty much since the fund listed. He articulated the asset mix of his optimal portfolio in a way that I hadn't heard him discuss before. First is sort of an asset allocation picture from the Pioneer Cat Bond Fund (CBYYX).

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Carson Wealth

APRIL 25, 2024

Investment strategy: Determine asset allocation and investment vehicles aligned with risk tolerance and financial goals. Tax Planning: Optimize tax efficiency through strategies such as retirement contributions, tax-deferred accounts, and deductions and credits. What Could Happen if You Don’t Have a Financial Plan?

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Truemind Capital

JULY 19, 2024

Given the high valuations and fuzzy near-term outlook, our ideal strategy is to stick the asset allocation framework which best suits our risk profile. Our tactical allocation to Chinese equities has been bearing fruits despite continued domestic demand challenges and real estate sector issues.

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Random Roger's Retirement Planning

OCTOBER 7, 2024

GMO posted a short paper in support of its Benchmark Free Asset Allocation Strategy (BFAAS). For this post we'll focus on BFAAS' asset allocation. The asset mix is 53.6% A more detailed look at the asset mix shows the the following. The paper positions BFAAS as a substitute for 60/40. to equities, 29.7%

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Random Roger's Retirement Planning

AUGUST 26, 2024

Here's the target asset allocation. I worked in SSO and UBT to be able to leverage up to the right asset allocation. Multi asset or multi strategy absolutely works in some instances but clearly doesn't in other instances. I think the fund might be broken. To replicate it, I built it out as follows.

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