Random Roger's Retirement Planning

NOVEMBER 21, 2024

From the fund page : the goal is seeking stable returns across a variety of economic and financial market conditions, consistent with the preservation of capital. There's no fact sheet yet and while the holdings are available, the asset allocation is vague without calculating the spreadsheet yourself which I did (hopefully correctly).

Asset Allocation 52

Asset Allocation Management Portfolio Taxes 52

Discipline Funds

AUGUST 2, 2024

And that’s the ultimate measure of the Fed’s success – are they able to normalize interest rates or do they end up having to shift interest rates because they flew too low for too long and now they have to try to enact an emergency engine thrust to avoid an economic stall? The same basic fact is true during booms.

Financial Planning 115

Financial Planning Assets Asset Allocation Economy 115

The Big Picture

JANUARY 21, 2025

And I think it partly depends on the economic comfort in which you grew up. So we are talking about things in what I consider personal finance, home ownership, social security, tax management, estate planning and so on. So what do you discuss with your wife and kids about taxes? Right, right.

Investing 147

Investing Investments Management Retirement 147

Random Roger's Retirement Planning

JUNE 29, 2024

Several talked about tax issues, it is important to keep tabs on how taxes might change going forward and then when they actually do change. Yes on the taxes but without earned income and living on long term capital gains from an investment portfolio, there might be no income tax.

Retirement 74

Retirement Taxes Accounting Asset Allocation 74

Brown Advisory

SEPTEMBER 11, 2016

September 2016 Insights on Markets and Investments achen Mon, 09/12/2016 - 01:00 In this issue: Investors Facing Rising Risks Need Solid Defense, Savvy Offense Increasing political and economic risk during the past year has widened the range of possible positive and negative scenarios for financial markets.

Investing 52

Investing Investments Asset Allocation Marketing 52

Brown Advisory

SEPTEMBER 11, 2016

In this issue: Investors Facing Rising Risks Need Solid Defense, Savvy Offense Increasing political and economic risk during the past year has widened the range of possible positive and negative scenarios for financial markets. By Taylor Graff, Head of Asset Allocation Research and Ed Chadwyck-Healey, Head of International Private Clients ?

Investing 52

Investing Investments Asset Allocation Marketing 52

WiserAdvisor

DECEMBER 15, 2023

By helping you lower your tax The impact of proper tax planning on your eventual retirement balance cannot be overstated. Engaging with a skilled financial advisor can empower you to manage your taxes proactively. HSAs allow you to make contributions on a pre-tax basis, allowing for tax-free growth of earnings.

Financial Advisor 59

Financial Advisor Retirement Risk Tolerance Retirement Planning 59

Brown Advisory

AUGUST 19, 2022

From geopolitical tensions to questionable economic fundamentals, investors have plenty to be concerned about. Inflection Points: 2022 Asset Allocation Perspectives and Outlook Report. Any business or tax discussion contained in this communication is not intended as a thorough, in-depth analysis of specific issues.

Marketing 98

Marketing Marketing Investing Investments 98

International College of Financial Planning

JULY 31, 2023

They are professionals who hold specialized degrees or certifications in finance, economics, or related fields. Their knowledge extends to various investment products, risk management, tax implications, and financial planning. By diversifying investments advisors can help with asset allocation.

Investment Advisor 52

Investment Advisor Investing Investments Risk Tolerance 52

James Hendries

JULY 13, 2022

Increased equity exposure in tactical asset allocation from 62% to 65%. Reduced low duration core bond allocation and increased allocation to small cap equities. Although energy prices came down some, weakening economic data and the lack of a cease-fire in Ukraine offset the modest gas price relief.

Portfolio 52

Portfolio Asset Allocation Taxes Investment Advisor 52

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.

Financial Market 52

Financial Market Asset Allocation Marketing Marketing 52

Trade Brains

DECEMBER 7, 2023

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. Also, you will learn how to plan your taxes, credit score importance and how to budget your income to create a portfolio.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Brown Advisory

OCTOBER 11, 2022

The steps private companies are taking to respond to the current economic backdrop, how different VC subsegments are performing and where we may be in a potential correction in private markets, which tend to lag pubic markets by several months. Inflection Points: 2022 Asset Allocation Perspectives and Outlook Report.

Marketing 98

Marketing Marketing Investing Investments 98

James Hendries

AUGUST 15, 2022

due to expectations of slowing economic growth. The Strategic and Tactical Asset Allocation Committee (STAAC) made no changes to its recommended asset allocation for August. Any economic forecasts set forth may not develop as predicted and are subject to change. We could see a retest of 3.5%

Portfolio 52

Portfolio Asset Allocation Taxes Investment Advisor 52

Brown Advisory

MARCH 28, 2019

One of our firm’s strategic advisors was on the Reagan-era tax policy team that implemented the 5% rule; they sought to ensure that private foundations did not become favorable havens for tax-free growth. The “shoestring curve” below depicts these risks for a hypothetical portfolio, assuming various asset allocation targets.

Asset Allocation 52

Asset Allocation Portfolio Assets Clients 52

Brown Advisory

MARCH 28, 2019

One of our firm’s strategic advisors was on the Reagan-era tax policy team that implemented the 5% rule; they sought to ensure that private foundations did not become favorable havens for tax-free growth. The “shoestring curve” below depicts these risks for a hypothetical portfolio, assuming various asset allocation targets.

Asset Allocation 52

Asset Allocation Portfolio Assets Clients 52

Random Roger's Retirement Planning

OCTOBER 11, 2024

FIG, the blue line, " is a modern take on the balanced portfolio, built to help navigate today’s toughest asset allocation challenges." First is sort of an asset allocation picture from the Pioneer Cat Bond Fund (CBYYX). Typically, risk parity which is what RPAR is, loads up on bonds.

Asset Allocation 52

Asset Allocation Portfolio Assets Taxes 52

Zoe Financial

JANUARY 17, 2024

The second headline was Edelman Financial engines closed down their tax prep services (separate/different from their tax planning services). But they did close tax prep. And this is just a reality, which is tax implementation is time-consuming and it’s often offered because clients want more for that 1%.

Wealth Management 52

Wealth Management Management Taxes Asset Allocation 52

Investing Caffeine

JANUARY 2, 2024

Source: Trading Economics Declining inflation and interest rates explain a lot of investor optimism, but there are additional reasons to be sanguine. There are always plenty of unforeseen issues that could slow or reverse our economic train. a few months ago to 3.9% today (see chart below). Source: Yardeni.com What could go wrong?

Economy 98

Economy CFP Accounting Investments 98

Workable Wealth

SEPTEMBER 16, 2020

Adding another layer, the stocks in your portfolio can be across economic sectors like pharmaceuticals, finance, and petroleum. . Asset Allocation. Building on diversification, asset allocation is an investment strategy that builds your portfolio by weighing an adequate amount of risk for your goals.

Investing 52

Investing Investments Asset Allocation Risk Tolerance 52

Truemind Capital

OCTOBER 18, 2024

Combined with India’s own economic strength and lower interest rates, asset prices—stocks, real estate, gold—could rise even further. The assumption that asset prices will keep rising can quickly be challenged by things like escalating geopolitical tensions, a U.S. What does this mean for India? But so will inflation!

Financial Market 52

Financial Market Marketing Marketing Asset Allocation 52

Truemind Capital

NOVEMBER 29, 2020

levied higher taxes on people to generate revenue for expenditure. Rome’s trade by severely hit by triangular problems of hyperinflation, high taxes and worthless currency. Whereas, the complete economic recovery is still far away and uncertain in terms of its timing and structure. K-shape recovery ?

Asset Allocation 52

Asset Allocation Valuation Assets Portfolio 52

Darrow Wealth Management

MAY 22, 2023

Longer term rates, such as a five or 10-year Treasury, also move in response to a changing federal funds rate, but these yields are driven more by what market participants expect the average yield to be over this period, which is also influenced by inflation and economic growth expectations.

Investments 102

Investments Investing Accounting Wealth Management 102

Investing Caffeine

JUNE 3, 2024

Bad economic news turned out to be good news for stocks. This time around, good economic news meant bad news for stock prices, primarily because the Federal Reserve was slamming the brakes on the economy by increasing the Federal Funds interest rate target. The S&P 500 surged +16.3% (see chart below). What did the stock market do?

Risk Tolerance 52

Risk Tolerance Economics Economy Asset Allocation 52

WiserAdvisor

DECEMBER 13, 2023

The best retirement advice isn’t just about saving money; it’s about creating a diversified portfolio that’s robust enough to weather economic shifts. Adapt your approach Late starters should consider a strategic shift in their asset allocation.

Retirement 45

Retirement Risk Tolerance Retirement Planning Taxes 45

Darrow Wealth Management

MARCH 28, 2022

Taking steps to help ensure you’re reasonably prepared for any type of economic uncertainty or recession, personal financial crisis (loss of a job, divorce, medical expenses, etc.), Asset allocation. Tax-loss harvesting can create tax assets by selling positions to realize a loss for tax purposes.

Asset Allocation 52

Asset Allocation Marketing Marketing Planning 52

Brown Advisory

MAY 31, 2017

EUROPEAN RE-ENTRY: Why We Are Shifting Portfolios Toward European Stocks achen Thu, 06/01/2017 - 02:47 Asset allocation—at least for us—is an exercise in nuance. We move slowly and carefully when it comes to shifting our portfolios away from one asset class or region and toward another.

Portfolio 52

Portfolio Asset Allocation Valuation Economics 52

Brown Advisory

MAY 31, 2017

Asset allocation—at least for us—is an exercise in nuance. We move slowly and carefully when it comes to shifting our portfolios away from one asset class or region and toward another. EUROPEAN RE-ENTRY: Why We Are Shifting Portfolios Toward European Stocks. Thu, 06/01/2017 - 02:47.

Portfolio 52

Portfolio Asset Allocation Valuation Economics 52

WiserAdvisor

MARCH 19, 2024

The wealthy make strategic investments that help them grow their wealth, mitigate risks and minimize taxes. Instead, they strategically allocate their funds to investments that have the potential to generate high returns over time. They are characterized by rapid economic growth and increasing integration with the global economy.

Investing 45

Investing Investments Financial Advisor Taxes 45

Brown Advisory

DECEMBER 2, 2015

Estate plans can offer heirs a full range of control, from an outright inheritance without limitations, to trusts that distribute assets over decades. Trusts often make sense, as they provide economic benefit to heirs while protecting assets from certain creditor claims and taxes. Anchoring Expectations.

Estate Planning 52

Estate Planning Asset Allocation Assets Planning 52

The Big Picture

SEPTEMBER 12, 2022

And so, coming out of school, I studied Economics and Spanish Literature, and I applied to a — a program that actually targeted Liberal Arts majors. You have a background, undergraduate, your economics degree from Notre Dame, but you were dual-major Spanish language and Literature degree, how useful was that in Latin America?

Clients 299

Clients Wealth Management Banking Investments 299

Investing Caffeine

MARCH 1, 2022

As you can see below, the worst economic impact is forecasted to be felt by Russia (consensus on 2/24/22 of approximately a -1.0% hit to economic growth), more than twice as bad as the -0.2% a rounding error and less than 1% of total global economic activity). knock to growth for the U.S., Source: The Financial Times.

Economics 59

Economics Accounting Advertising CFP 59

ClearMoney

NOVEMBER 4, 2021

As with many things in life, the truth is somewhere between the extremes: While both simulated and real-world data suggest momentum may not be suitable as a driver of long-term asset allocations, we believe momentum considerations can be integrated in a cost-effective way to help inform daily portfolio management decisions.

Asset Allocation 52

Asset Allocation Commission Portfolio Assets 52

Brown Advisory

JULY 24, 2018

Strong Defense: The Falling Opportunity Cost of Allocating to Bonds ajackson Tue, 07/24/2018 - 09:25 For years, “defense” in portfolios—i.e., allocations to cash and core fixed income holdings—has meant a willingness to accept extremely low returns. stocks play in most investors’ core equity allocations.

Valuation 52

Valuation Economics Asset Allocation Clients 52

Brown Advisory

JULY 24, 2018

allocations to cash and core fixed income holdings—has meant a willingness to accept extremely low returns. But after many years of economic recovery, we finally have reached a point where defensive allocations once again provide a reasonable yield. stocks play in most investors’ core equity allocations.

Valuation 52

Valuation Economics Asset Allocation Clients 52

Brown Advisory

DECEMBER 2, 2015

There are three fundamental variables to monitor in portfolio management: market performance, changes in tax policy and a portfolio’s rate of drawdown (expenses and spending). Create a portfolio structure buffered against taxes. Therefore, it is essential that we structure client portfolios to be tax efficient.

Taxes 52

Taxes Clients Estate Planning Portfolio 52

Dear Mr. Market

MARCH 11, 2023

Could there be some correlations to high tax levels and relatively large government expenditures? The small exception there might be in that of short-term tax-free municipal bonds as well as #11 seeded iShares U.S. Argentina and Greece are up a whopping ~28% over the past year but will inevitably come back down to earth.

Investments 101

Investments Investing Portfolio Assets 101