Discipline Funds

MARCH 10, 2025

This is also what makes retirement planning so difficult – you effectively lose an asset in your portfolio when your income stops or declines. And this is why I’ve become such a big advocate of defining our durations within our financial plans. You’re temporally diversified by your income.

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Darrow Wealth Management

MARCH 3, 2025

Because of these differences, stocks and bonds accomplish different things in an asset allocation. Why stocks and bonds belong in a diversified portfolio Investors have different needs, risk tolerances, time horizons, and financial situations which should be considered in an asset allocation.

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Risk Tolerance Asset Allocation Assets Portfolio 58

Nationwide Financial

JANUARY 25, 2023

Last year’s considerable losses and market fluctuations underscore the need for clients to assess their retirement plans to ensure it aligns with their objectives, financial situations, timelines, and attitudes toward market volatility. You can help them start the year right by conducting a retirement checkup.

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A Wealth of Common Sense

OCTOBER 3, 2024

We emptied the inbox this week covering other questions about getting your CFA designation, the types of bonds you should own in retirement, how pensions fit into a retirement plan, how to spend more money, teaching your kids about money, becoming a landlord, using a HELOC as an emergency fund, how analysts rate stocks and adding international exposure (..)

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Darrow Wealth Management

FEBRUARY 9, 2025

Living off dividends in retirement: hypothetical income today for portfolios between $2M and $15M Investors may wonder how much money they could expect in dividend income annually given today’s market. In another words, if your asset allocation is 60% stocks and 40% bonds, the current weighted average yield is 2.19%.

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Retirement Asset Allocation Taxes Portfolio 65

The Chicago Financial Planner

FEBRUARY 5, 2022

Perhaps it’s time to rebalance and to rethink your ongoing asset allocation. Related Posts: Five Things to do During a Stock Market Correction Is a $100,000 Per Year Retirement Doable? Take stock of where you are. What impact have the solid stock market gains of the past three years had on your portfolio? Costs matter.

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Investing Investments Financial Planner Risk Tolerance 184

The Chicago Financial Planner

NOVEMBER 8, 2021

Has the market rally accelerated the amount you’ve accumulated for retirement relative to where you had thought you’d be at this point? If so, this is a good time to revisit your asset allocation and perhaps reduce your overall risk. Learn from the past . Photo credit: Phillip Taylor PT.

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MainStreet Financial Planning

MARCH 7, 2025

Unlike AUM advisors, they dont have an incentive to keep assets under management, so their recommendations are truly objective. Comprehensive Financial Planning is Included Many AUM advisors charge extra for estate planning, tax strategies, and retirement planning. Are There Any Benefits to AUM-Based Advisors?

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James Hendries

AUGUST 24, 2022

But volatile markets aren’t necessarily a negative thing, especially when it comes to retirement planning. When you are planning for retirement, a lost decade can mean stagnated savings and loss of buying power to inflation. Target Date Funds Can Help Asset Allocation.

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Retirement Planning Retirement Planning Asset Allocation 52

Cordant Wealth Partners

SEPTEMBER 8, 2022

Decide upon your asset allocation The first step in investing your 401(k) is determining your “asset allocation,” which is simply the mix of stocks, bonds and cash you’ll hold. This mix of assets is the main building block of your portfolio and will primarily determine the risk and return in the account.

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Retirement Planning Retirement Planning Taxes 52

A Wealth of Common Sense

FEBRUARY 16, 2024

The set-it-and-forget-it nature of a workplace retirement plan is one of my favorite features. I like the ease and simplicity of 401k contributions coming out of my paycheck before it ever even touches my checking account. It’s easy to automate. Plus, I like the fact that it’s difficult to get the money out of these ac.

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Portfolio Management Retirement Planning Portfolio Management 130

Advisor Perspectives

JANUARY 20, 2023

Learn how our industry-leading asset allocation expertise can help participants make investment choices with more confidence and help employers reach their plan goals. Advice boosts workers’ confidence in choosing investments—from 35% to 65%.

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Retirement Planning Asset Allocation Planning Investing 52

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.

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Asset Allocation Accounting Risk Tolerance Portfolio 68

Advisor Perspectives

NOVEMBER 11, 2022

Offer more ways clients may achieve their retirement plan goals while helping address the diverse investment needs of participants. Learn about our industry-leading investments and expertise—featuring more default options and more personalized asset allocation.

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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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Asset Allocation Portfolio Assets Management 96

Validea

JUNE 22, 2023

We talk both retirement planning and factor investing with Dimensional Fund Advisors Senior Researcher Mathieu Pellerin. The post Factor Investing for Retirement with DFA’s Mathieu Pellerin appeared first on Validea's Guru Investor Blog. In this episode, we combine two of the topics we often cover on the podcast.

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Retirement Retirement Planning Investing Investments 52

Validea

JUNE 22, 2023

We talk both retirement planning and factor investing with Dimensional Fund Advisors Senior Researcher Mathieu Pellerin. The post Factor Investing for Retirement with DFA’s Mathieu Pellerin appeared first on Validea's Guru Investor Blog. In this episode, we combine two of the topics we often cover on the podcast.

Retirement 52

Retirement Retirement Planning Investing Investments 52

Random Roger's Retirement Planning

AUGUST 27, 2022

A point we've been making here for ages is that with an adequate savings rate, appropriate asset allocation and the ability to avoid succumbing to panic, an investor should be able to have retirement plan success as defined above.

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Asset Allocation Retirement Portfolio Retirement Planning 75

Carson Wealth

DECEMBER 1, 2022

Take Advantage of Retirement Plans and Matching Contributions. Most employer retirement plans allow you to save on a tax-deferred basis, meaning that contributions into these types of accounts are not considered in calculating your taxable income. . Determine an Appropriate Risk Tolerance for a Longer Time Horizon .

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Retirement Planning Risk Tolerance Retirement Budgeting 67

Darrow Wealth Management

JANUARY 30, 2023

just upended retirement planning…again. The age when retirees must begin drawing from non-Roth retirement accounts increases to 73 in 2023, then 75 in 2033. Raising the age when withdrawals must begin is great as it gives investors more planning opportunities. The Secure Act 2.0

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Distribution Tax Planning Retirement Taxes 89

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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Wealth Advisor Financial Planning Planning CFP 52

Darrow Wealth Management

FEBRUARY 18, 2025

Don’t stress out about every headline, stress test your retirement plan instead.Markets move every day and the news cycle is 24-7. Even if actual average returns meet targets over time, market volatility can still derail your portfolio and retirement plans. This produces a probability of success across all trials.

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Retirement Planning Retirement Planning Financial Planning 52

Discipline Funds

DECEMBER 20, 2023

Asset Allocation and Goals. We are big advocates of time based asset allocation. This means you should try to create specific buckets for your portfolio where you’re matching future expenses and liabilities to specific corresponding assets. Retirement Planning Review your retirement goals and objectives.

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Financial Planning Planning Asset Allocation Retirement Planning 74

Carson Wealth

JUNE 27, 2024

As you get closer to retirement your asset allocation should change. Additionally, be sure to account for the tax confusions of different investments in taxable brokerage accounts and retirement accounts. Maximize Social Security Benefits Social Security is a major part of your retirement plan.

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Retirement Budgeting Healthcare Risk Tolerance 97

Carson Wealth

APRIL 25, 2024

Investment strategy: Determine asset allocation and investment vehicles aligned with risk tolerance and financial goals. Retirement planning: Calculate retirement needs and contribute regularly to retirement accounts.

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Financial Planning Planning Retirement Insurance Coverage 97

Nationwide Financial

DECEMBER 7, 2022

Maintaining an appropriate asset allocation for an investor’s specific goals and risk tolerance is critical for long-term success. There’s value in staying invested in that asset allocation and not trying to time the market’s ups and downs or succumbing to fear when markets turn tumultuous.

Retirement 52

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Random Roger's Retirement Planning

NOVEMBER 28, 2024

The first example to look at they call Leverage In The Strategic Asset Allocation via this table in the paper. The paper introduces the idea of mixing momentum and value in some combo that they never quantified as a possible substitute for low volatility before digging in more deeply into different examples or cases.

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Distribution Asset Allocation Portfolio Taxes 52

Random Roger's Retirement Planning

FEBRUARY 14, 2025

Right or wrong, I think of endowment style investing as being a similar to the Permanent Portfolio, not so much quadrants but more like disparate asset class segments which gets us to a paper about endowment asset allocation from True North Institute.

Portfolio 52

Portfolio Asset Allocation Assets Management 52

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."

Asset Allocation 52

Asset Allocation Portfolio Assets Taxes 52

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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Asset Allocation Assets Investing Investments 74

International College of Financial Planning

JULY 30, 2022

Earning the CFP designation requires a rigorous course of study covering investment planning, income taxation, retirement planning and risk management. A Person who completes the CFP course is qualified to provide financial planning services to those with a high degree of financial responsibility.

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Discipline Funds

OCTOBER 18, 2024

The simple answer is that the short-term movements of the stock market should be irrelevant to your financial plan assuming you have a well constructed temporally diversified portfolio. 5-15 years: moderately long-term needs like near retirement planning, a child’s college tuition, etc. 2) Stock market gambling.

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Financial Planning Asset Allocation Assets Insurance 105

Good Financial Cents

MAY 1, 2023

The contributions made to the account may be tax-deductible or non-deductible, depending on the individual’s income level and participation in an employer-sponsored retirement plan. The deductibility of contributions depends on the individual’s income level and participation in an employer-sponsored retirement plan.

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Risk Tolerance Taxes Retirement Accounting 95

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. These factors, of course, can also impact the taxes due in retirement. Income levels, tax deductions, and credits can change yearly.

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Retirement Taxes Retirement Planning Risk Tolerance 52

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. These factors, of course, can also impact the taxes due in retirement. Income levels, tax deductions, and credits can change yearly.

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Retirement Taxes Retirement Planning Risk Tolerance 52

Random Roger's Retirement Planning

NOVEMBER 12, 2023

The Wall Street Journal took what might be a sympathetic approach to 401k investors who might be feeling disillusioned by generally poor performance with the focus being on target date funds which have of course become a major staple of 401k plans. First, it's your retirement, how do you not care enough to engage just a little?

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Retirement Asset Allocation Retirement Planning Portfolio 75

Random Roger's Retirement Planning

MAY 12, 2024

I've been critical of the actual FIG ETF, the Simplify Macro ETF, it is really struggling but I think the fund's idea for asset allocation works for the most part. We don't spend a ton of time talking about Sharpe Ratios but yikes, that is a huge difference for the same asset allocation.

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