Good Financial Cents

JANUARY 17, 2023

And how does it compare to the 401k and other retirement plans that exist? This is definitely a huge difference than the 401(k). Both you and any employees you have enjoy immediate vesting, not only of your own contributions to the plan, but also of matching contributions on the employer side. What is a Simple IRA?

Retirement Planning 111

Retirement Planning Retirement Planning Taxes 111

Good Financial Cents

JANUARY 24, 2023

While they do share some similarities, there are enough distinct differences between the two where they can just as easily qualify as completely separate and distinct retirement plans. Either plan is an excellent choice, particularly if you’re not covered by an employer-sponsored retirement plan. Not exactly.

Retirement Planning 122

Retirement Planning Retirement Taxes Distribution 122

The Big Picture

DECEMBER 6, 2022

It has to be such a different set, the retirement planning is different, the safety net is different. And definitely, their retail market participation is significantly lower than you can see in the U.S. So I was definitely looking for something more entrepreneurial. So that was definitely one of the key drivers.

Clients 163

Clients Investments Investing Management 163

Random Roger's Retirement Planning

APRIL 9, 2024

I've seen other studies that go back further than any reasonable definition of modern times. As we say all the time, whereas stocks are the thing that goes up the most, most of the time in the modern era I would want more than 25% in equities for anyone needing normal stock market growth for their retirement plan to work.

Management 98

Management Retirement Planning Portfolio Retirement 98

Fortune Financial

MARCH 5, 2024

One powerful tool that might not be on every entrepreneur’s radar — but definitely should be — is a 401k plan. Aside from just being a retirement savings option, a 401k for small business owners can be a game-changer that offers benefits extending well beyond your future financial security and that of your employees.

Retirement Planning 52

Retirement Planning Retirement Financial Advisor Taxes 52

Park Place Financial

SEPTEMBER 30, 2022

One of the most appealing features of retirement planning is the multiple options for accruing wealth. There is no definitive answer as to which choice is best — it depends on your financial situation and goals. Learn what distinguishes these two retirement investments to establish which one suits your needs. .

Retirement Planning 52

Retirement Planning Retirement Taxes Insurance 52

Random Roger's Retirement Planning

MARCH 4, 2025

I've been in the same place on Bitcoin for many years now which is that there is definitely asymmetric potential so I hold it but it could turn out to be just magic internet money that disappears one day.

Portfolio 52

Portfolio Portfolio Management Management Clients 52

Random Roger's Retirement Planning

MARCH 7, 2024

There are of course many definitions. If you ask most market participants, I think they'd say they are "long term" investors but what does long term mean? For me, I tend to hold for many many years. Quite a few client holdings have been in the portfolio for more than 15 years.

Medical 98

Medical Clients Taxes Portfolio 98

Random Roger's Retirement Planning

JULY 2, 2023

I would say it is definitely not. This person probably doesn't need 70% in stocks but I'd say 20-30% is way too low.again assuming this piece of money plays a big role in the retirement plan. I've been saying for awhile that intermediate and longer term maturities have become sources of unreliable volatility.

Retirement 75

Retirement Portfolio Retirement Planning Accounting 75

Random Roger's Retirement Planning

JUNE 1, 2023

Keeping tabs on how long we might be able to last before going into retirement accounts is something I check in on periodically. Our old firm disappearing was definitely a black swan but true to what I've been writing about for ages, I was prepared for something bad to happen without know what that might be.

Insurance 78

Insurance Retirement Planning Clients 78

Random Roger's Retirement Planning

OCTOBER 19, 2022

Over a longer period, the daily reset could definitely work against the holder of the fund but more often than not it will go up when stocks go down for a longer period. Bonds up stocks down is much closer to the should work end of the spectrum, it is most definitely not direct cause and effect.

Numbers 97

Numbers Marketing Marketing Management 97

Clever Girl Finance

APRIL 19, 2023

However, that is definitely not the case! You can’t retire until you’re 65 years old (or older) While 66 is the age at which you can start receiving full Social Security benefits , you can retire at any time as long as you have enough saved up to support yourself. Money can’t buy happiness (The greatest financial myth!)

Retirement 105

Retirement Education Investments Investing 105

Good Financial Cents

MARCH 20, 2023

When at the point of wondering how to invest $200,000, that’s definitely a good sign. Also, the brokerage account you open is considerably more liquid than any tax-advantaged retirement plan. After all, having this amount to invest means you’re on the fast path to building long-term wealth.

Investing 98

Investing Investments Risk Tolerance Retirement 98

Clever Girl Finance

NOVEMBER 1, 2023

Two types of credit How your credit score is calculated Expert tip: Credit isn’t everything Key tips to build and maintain your credit 3 Common credit myths What is a simple definition of credit? There are other things that matter just as much, like saving, investing, and retirement planning. What is a good credit score?

Accounting 98

Accounting Retirement Planning Retirement Planning 98

Random Roger's Retirement Planning

DECEMBER 15, 2024

Most of them definitely have accumulated decent sums thus far, maybe not enough to be on track for what they think they need, but they aren't in desperate trouble except for maybe one of them. Generally they all plan to work to 70 or beyond out of necessity. That is Rooster. Rooster loves duck toys.

Retirement 52

Retirement Retirement Planning Numbers Planning 52

Random Roger's Retirement Planning

JUNE 12, 2024

The text book definition is the difference between expected return on a security and the "risk-free rate of return" which is how T-bills are described. From the article, QIS are usually structured products or swaps that target risk premia with the following list of different strategies provided in the article. QRPIX has an interesting chart.

Investing 94

Investing Investments Management Banking 94

Random Roger's Retirement Planning

SEPTEMBER 3, 2023

I've seen some very broad definitions of risk parity here and there so the context I mean is where the bond position is levered up. Risk parity seems to get talked about less lately, this is one that I just don't think gives any basis to expect it to "work" when packaged into a retail accessible fund. rounded.

Portfolio 105

Portfolio Retail Management Accounting 105

Good Financial Cents

JUNE 11, 2023

Personal Capital’s Retirement Planner allows you to run numbers on your retirement to make sure that you will be prepared when the time comes. It allows you to incorporate major changes in your life into your retirement planning, such as the birth of a child or saving for college.

Management 80

Management Investing Investments Accounting 80

Random Roger's Retirement Planning

MAY 18, 2023

Anyone in this age range who can do anything can do anything --the literal definition of optionality. It is not an unreasonable scenario for someone in their 60's to be in decent shape and be mortgage free allowing them to "retire" into some sort of post retirement, part time gig that covers the monthly expenses.

Retirement 75

Retirement Wealth Advisor Math Medical 75

Getting Your Financial Ducks In A Row

MARCH 27, 2023

The IRS has not provided definitive guidelines on exactly how you handle the SOSEPP from here… it is abundantly clear that you must continue your series of periodic payments until the end of the distribution period. On the other hand, if you’ve only converted a portion of the traditional IRA to a Roth IRA, this is where it gets murky.

Distribution 85

Distribution Taxes Accounting Retirement Planning 85

Clever Girl Finance

FEBRUARY 18, 2023

Obviously, you'll need to keep your prices competitive, but if there's an opportunity to increase your pay you definitely should. Which results in building wealth and is a key part of retirement planning as well. Having a combination of these different sources of income in place is a great idea.

Portfolio 103

Portfolio Investing Investments Retirement Planning 103

Random Roger's Retirement Planning

OCTOBER 10, 2022

Definitely read it for the other viewpoint. You can read more about it here. Adam obviously draws a different conclusion about multi-strategy funds than I do. He and I had a pretty good back and forth discussion today on Twitter. My reasoning is very simple, funds like his and that QDSIX that we looked at yesterday are very complex products.

Management 98

Management Risk Management Asset Allocation Assets 98

Trade Brains

AUGUST 19, 2022

You can find many valuable investing lessons on this blog which definitely makes it one of the best Indian stock market blogs. Stable Investor also provides various financial services like financial planning, retirement planning, children’s future planning, etc. Nitin Bhatia. Website: [link]. Dr. Vijay Malik.

Marketing 59

Marketing Marketing Investing Investments 59

Random Roger's Retirement Planning

MARCH 29, 2024

I think the Return Stacked guys are definitely on to something here, I just think that for now, there is better way to incorporate what they are talking about into a diversified portfolio. The alts are more effective as diversifying equity volatility as we've seen countless times.

Portfolio 97

Portfolio Asset Allocation Assets Management 97

Clever Girl Finance

NOVEMBER 25, 2023

Keep in mind, if your employer offers a free match on your investments , you definitely want to take advantage of this match ASAP. Using one can definitely give you a bit of a shortcut as you learn how to start investing money for beginners. It is essentially free money! Examples of these account types include 401k, 403b , and 457b.

Investing 98

Investing Investments Risk Tolerance Accounting 98

Random Roger's Retirement Planning

OCTOBER 12, 2022

I don't think these meet that definition. In the bull market, ABRIX and AQRIX gained about 40% of what the S&P 500 did and in the bear market so far, QAI is doing the best and ABRIX and AQRIX are down about 60% of what the S&P 500 is down. Sometimes you'll see risk parity associated with being all weather.

Numbers 74

Numbers Management Assets Marketing 74

Clever Girl Finance

SEPTEMBER 4, 2022

How much to save depends on your circumstances, you’ll definitely find some ways that could improve life while still saving cash. It definitely adds to the save more live better lifestyle! Although most of our tips have focused on saving in the daily or monthly routine, that savings can go towards retirement.

Food 98

Food Retirement Budgeting Accounting 98

Clever Girl Finance

DECEMBER 1, 2022

You'll need to determine how much you are going to need to retire , of course taking inflation into consideration with your retirement income, and how you plan to save and invest in advance for that period of your life. While retirement might seem like a lifetime away, it's never too early to start with your retirement plan!

Financial Planning 105

Financial Planning Planning Budgeting Insurance 105

Clever Girl Finance

NOVEMBER 4, 2022

While your definition of financial stability is unique, it’s important to be aware of your financial situation. Knowing the definition of financial stability is only one-half of the equation. It’s important that you create and follow a financial plan to help you reach long-term goals. What causes financial instability?

Budgeting 105

Budgeting Accounting Planning Financial Planning 105

Random Roger's Retirement Planning

APRIL 23, 2024

The simplistic definition is that risk parity equal weights asset classes by their volatility. Apparently a few state pensions and similar pools of capital have been pulling money from risk parity funds managed by the likes of Bridgewater, Man and others.

Assets 84

Assets Management Retail Accounting 84

Random Roger's Retirement Planning

FEBRUARY 9, 2023

Yes I take an active approach, not frequent trading but definitely active, to dialing up or dialing down the various things I use for non-equity portfolio exposure. If you target 65% in equities via a simple equity index fund, then that fund will get the CAGRs you see above (or close to it).

Asset Allocation 75

Asset Allocation Portfolio Assets Numbers 75

Good Financial Cents

MARCH 29, 2023

This kind of conversion can certainly be lucrative over time, but you should definitely weigh all the pros and cons before you decide. At the very least, be sure to model the conversion as part of a comprehensive written retirement plan. But, is a Roth IRA conversion really a good idea?

Taxes 98

Taxes Retirement Distribution Accounting 98

International College of Financial Planning

JUNE 20, 2022

Rewriting assets, liabilities and net assets with their definitions helped JK Rowling focus on the people and places she enjoyed writing of the same. One can do Financial planning in life for . Retirement planning . Most people know that inflation is the most significant bug. Save more . Live a better lifestyle .

Financial Planning 52

Financial Planning Planning Investing Investments 52

Random Roger's Retirement Planning

DECEMBER 10, 2022

Something like this is probably more like a working list not a definitive list. A little simpler and less leverage and I would be interested. This is just off the cuff, hanging out watching sports and doing some reading. We can revisit this later. What ideas do you have?

Risk Management 75

Risk Management Assets Clients Government 75

Random Roger's Retirement Planning

JANUARY 21, 2024

Leveraged loans are sort of high yield debt but loans are higher on the capital structure than bonds and so are by definition less risky than bonds. Sure enough, despite the name including 'floating rate' it actually a leveraged loan fund which is a different exposure. I modeled out the following.

Portfolio 75

Portfolio Clients Accounting Taxes 75

Clever Girl Finance

OCTOBER 14, 2022

You definitely want to avoid being in situations like this, which means you should learn to manage your money well. However, it is absolutely critical that you start saving for retirement as early as possible. At the very least, you should start contributing to any employer-sponsored retirement plans.

Management 111

Management Budgeting Insurance Accounting 111

Tucker Advisors

NOVEMBER 3, 2021

But as an average, it has definitely beat inflation throughout the history of the market. . That’s the foundation of any retirement plan: Identify the portion of your portfolio that needs to pay you in retirement, and therefore, isn’t exposed to catastrophic losses. for $100.14 Annuities and Stocks.

Retirement 52

Retirement Portfolio Retirement Planning Financial Advisor 52