Darrow Wealth Management

MAY 22, 2023

Should you hold cash or invest in the market? Attractive yields on savings and cash-like investments can make it tempting to hold cash instead of investing extra money. Hold cash or invest? For those considering holding cash instead of investing, recognize that this strategy has risks too. 467% a month.

Investing 91

Investing Investments Accounting Wealth Management 91

Trade Brains

DECEMBER 7, 2023

From budgeting basics to investments, these courses offer a comprehensive foundation for managing your money in a better way. Personal Finance for Beginners by FinGrad FinGrad Academy is an educational platform that offers various courses on financial products for better investment opportunities. You can enroll in the course here.

Budgeting 59

Budgeting Certification Education Asset Allocation 59

Random Roger's Retirement Planning

NOVEMBER 6, 2023

It's been a while since this sort of thing was relevant for my day job so something could have changed, weeklies didn't exist for example, but if my math is correct then it was way over exposed which would account for last week's decline in the fund price. Please leave a comment if I did the work incorrectly.

Math 97

Math Education Management Taxes 97

Random Roger's Retirement Planning

JUNE 3, 2024

Part of the equation is that he is convinced that tax rates have to go up to pay for out debt and so converting to a Roth now before tax rates do go up will result in people ending up with more after tax dollars versus just going the RMD route at what is now 73 on its way to 75. How much can you take from your portfolio?

Numbers 93

Numbers Taxes Retirement Insurance 93

Random Roger's Retirement Planning

APRIL 22, 2024

Jason Zweig wrote an article titled How Not to Invest in the Bond Market. This blog has pretty much evolved into 100 ways to build a portfolio without bonds. 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.

Marketing 89

Marketing Marketing Financial Advising Math 89

Random Roger's Retirement Planning

FEBRUARY 29, 2024

I've been saying meaningful yield without too much volatility is what investors hope the bond portion of their portfolio will give. The simple 40 year trade for bonds of "number go up" is finished and as a matter of math, can't be repeated. Taking volatility out of a fixed income portfolio is fairly simple.

Marketing 78

Marketing Marketing Math Portfolio 78

Carson Wealth

MARCH 2, 2023

While the ultra-high-net-worth population might indeed be able to live off their investments and the resulting interest without ever earning another dime, they also are likely to have a certain echelon of lifestyle that can still put them at risk if they don’t make good financial decisions.

Retirement 98

Retirement Taxes Financial Advisor Accounting 98

Random Roger's Retirement Planning

FEBRUARY 6, 2024

That argument might pan out but being cynical for a moment, how many pundits who have been saying to add duration here, were right about avoiding duration for investing as opposed to trading for gains at any point when yields were at all time lows and going lower? It is important to understand the math though.

Portfolio 66

Portfolio Math Management Investing 66

Random Roger's Retirement Planning

JUNE 10, 2024

We've talked just a couple of times about the market becoming increasingly concentrated which just in terms of math means that a diversified strategy will lag for as long as the big names do well. In the period available to study SPXE, there has been no difference in returns, volatility or portfolio stats.

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Retirement Asset Allocation Math Marketing 92

The Big Picture

FEBRUARY 6, 2024

I love finding these people who are just absolute rock stars within their space that most of the investing public probably is not familiar with, haven’t heard about them. You wouldn’t be surprised to learn the tax consequences of owning a mutual fund is a part of it. And so the average investor is unaware of them.

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Darrow Wealth Management

OCTOBER 1, 2022

On the flip side, not having a mortgage in retirement can be beneficial if it reduces overall lifestyle costs and how much you’ll need to draw from your portfolio in retirement. However, if the goal is to pay off a mortgage before retirement to spend would-be mortgage payments on other things during retirement, the math may not work out.

Retirement 82

Retirement Taxes Math Wealth Management 82

Random Roger's Retirement Planning

DECEMBER 17, 2023

These items for us include things like propane delivery (we could pay monthly), property tax and so on. What income sources do you have like SS, investment account or anything else? Simple math is that this person needs to save $23/yr to come up with that additional $350,000. I just used the word spreadsheet.

Retirement 71

Retirement Math Insurance Taxes 71

Random Roger's Retirement Planning

FEBRUARY 24, 2024

That is correct, technically but whatever you're looking for from REITs, or private equity or any of the others, you're not going to see it impact the portfolio as part of an index fund. Mistakes during those types of events are what managing portfolios is all about.

Math 73

Math Portfolio Marketing Marketing 73

The Big Picture

SEPTEMBER 19, 2023

Elizabeth Burton is Goldman Sachs asset management’s client investment strategist. Previously she was Chief Investment Officer at various state pension funds, including Maryland and Hawaii. I, I found this to be really an intriguing conversation with somebody who, whose investment charge is unconstrained. Two reasons.

Assets 144

Assets Management Portfolio Investing 144

Random Roger's Retirement Planning

FEBRUARY 1, 2024

Anything related to the Permanent Portfolio (portfolio devised by Harry Browne weighting 25% each to stocks, long bonds, cash and gold) or any of the Permanent Portfolio-inspired modern investment products are always fun to look at. I wanted to circle back to the ProShares S&P 500 High Income ETF (ISPY).

Portfolio 40

Portfolio Math Assets Taxes 40

Investing Caffeine

FEBRUARY 1, 2022

Math Matters. I did okay in school and was educated on many different topics, including the basic principle that math matters. This notion rings especially true when it comes to finance and investing. With that said, I am always quick to point out that diversification in a portfolio is important (i.e., www.Sidoxia.com.

Math 52

Math Assets Investing Investments 52

The Big Picture

OCTOBER 17, 2023

  The transcript from this week’s MiB: Graeme Forster, Orbis Investments , is below. Barry Ritholtz] This week on the podcast, I have an extra special guest, Graham Foster’s pm at Orbis Investment Management. They have a truly unique approach to investing. So I, I did a math degree at Oxford, which is more pure math.

Investing 130

Investing Investments Clients Management 130

Zajac Group

AUGUST 11, 2022

However, a down stock price might mean that you could score some tax breaks if you exercise and hold some of those ISOs. When the price is down, the move might help minimize alternative minimum tax (AMT). Controlling additional shares bought outright, coupled with a disqualified ISO sale, may result in a higher after-tax value.

Taxes 52

Taxes Sales Numbers Investing 52

Random Roger's Retirement Planning

NOVEMBER 19, 2023

If the 4% treasury portfolio pays out $50,000 today, it will pay the same $50,000 in 2038 with no growth in account value. I invest in buy-write ETFs that pay 11% or more per year in dividends, which pay monthly (so about 1% per month). Part of the math that determines options premiums is the risk free rate of return from T-bills.

Retirement 71

Retirement Accounting Math Healthcare 71

Random Roger's Retirement Planning

JULY 9, 2023

Generally speaking, pensions are less viable than they used to be, the math doesn't work as well. Workers are not on the hook for managing their portfolios, don't have to manage withdrawal rates and have some security that their monthly check is what it is, maybe there's a COLA or maybe not but no surprises. Is he right? Is he wrong?

Retirement 47

Retirement Math Management Taxes 47

Yardley Wealth Management

JULY 20, 2022

James and Pamela’s Big Dream Excerpt from The Smart Person’s Guide to Financial Planning & Investments: A Simple and Straightforward Approach to Understanding Your Personal Finances By Michael J. We’d look at the asset allocations of their portfolios and whether they’re tax-deferred, tax-exempt, or taxable.

Retirement Planning 52

Retirement Planning Budgeting Retirement Wealth Management 52

Brown Advisory

AUGUST 1, 2019

Indeed, a Roth conversion has the potential to generate greater wealth than a traditional IRA during an individual’s or couple’s lifetime, and it can play a meaningful role in providing tax advantages to heirs throughout their lifetime as well. RMDs from a traditional IRA are taxed as ordinary income.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

AUGUST 1, 2019

Indeed, a Roth conversion has the potential to generate greater wealth than a traditional IRA during an individual’s or couple’s lifetime, and it can play a meaningful role in providing tax advantages to heirs throughout their lifetime as well. RMDs from a traditional IRA are taxed as ordinary income.

Planning 52

Planning Distribution Taxes Accounting 52

Brown Advisory

MAY 3, 2018

We try to remind them that rising rates, despite their inevitable short-term effect on fixed-rate bond prices, do not necessarily mean long-term declines for bond portfolios generally or for municipal bond portfolios specifically. MUNICIPALS AND RISING RATES Simple math dictates that when yields rise, fixed-rate bond prices fall.

Taxes 52

Taxes Portfolio Valuation Clients 52

Brown Advisory

MAY 3, 2018

We try to remind them that rising rates, despite their inevitable short-term effect on fixed-rate bond prices, do not necessarily mean long-term declines for bond portfolios generally or for municipal bond portfolios specifically. Simple math dictates that when yields rise, fixed-rate bond prices fall.

Taxes 52

Taxes Portfolio Valuation Clients 52

Random Roger's Retirement Planning

DECEMBER 1, 2023

I invest in buy-write ETFs that pay 11% or more per year in dividends, which pay monthly (so about 1% per month). Part of the math that determines options premiums is the risk free rate of return from T-bills. I would much rather withdraw 10% or more per year from my retirement accounts and do it without taking any principal.

Math 61

Math Retirement Numbers Portfolio 61

Abnormal Returns

SEPTEMBER 20, 2023

Home ownership How to make the math behind home ownership work (or not). redfin.com) Investing Jeffrey K. humbledollar.com) Trying to make up for past investing mistakes by taking on more risk is dangerous. humbledollar.com) Trying to make up for past investing mistakes by taking on more risk is dangerous.

Math 264

Math Taxes Portfolio Investing 264

Clever Girl Finance

AUGUST 2, 2022

There are plenty of ways to increase the value of your investments, whether through growth in the stock market or entrepreneurship. First of all, remember that investment returns take time. Typically, you won’t see results super-fast when investing. How to turn 10K into 100K through investing in retirement accounts.

Education 59

Education Retirement Investing Investments 59

The Big Picture

MAY 9, 2023

He is the Chief Investment Officer of Asset and Wealth Management at Goldman Sachs. He co-chairs a number of the asset management investment committees. I thought this was an absolutely fascinating way to see the world of investment management. Investment banks were not really a known concept in the area where I grew up.

Assets 293

Assets Clients Investing Investments 293

The Big Picture

JANUARY 24, 2023

They have $37 billion in clients and their own funds, of which they have invested across a variety of disciplines from credit to strategic capital, as well as taking companies private and helping them grow into something more substantial than they’ve been in the past. It was between corporate law and investment banking.

Investing 260

Investing Investments Numbers Banking 260

The Big Picture

JANUARY 9, 2024

I published what’s called a comment, so like a very short one about this great tax law case with this guy who like won the lottery and then wanted to get his lottery winnings treated as capital gains. So like a component of it was like the standard derivatives math, right? Matt Levine : 00:03:44 You know, I did. And he lost.

Retail 130

Retail Banking Math Management 130

Brown Advisory

JUNE 16, 2022

Global Leaders Investment Letter: June 2022 mhannan Thu, 06/16/2022 - 11:30 Just want the PDF? Fortunately, we do 10-year forecasts for each investment and we can use our base case ranges to estimate probable future annual cash flows. By this valuation method, the portfolio cashflow duration is in the 16 to 17-years range.

Investing 52

Investing Investments Valuation Accounting 52

Sara Grillo

MAY 8, 2023

So, they invest $95,238 in their general account, which will give them the 100k they need to give back to you in a year (they earn 5% on the $95,238, $95,238*1.05 = $99,999). The invest it in call options to see if they can catch some market upside. The policy can lapse leaving the client with a phantom income tax bill.

Insurance 59

Insurance Clients Financial Advisor Accounting 59

The Big Picture

AUGUST 29, 2023

Greg Davis, Chief Investment Officer at a little shop called the Vanguard Group, which manages $8 trillion. Few people are in a position to see what’s going on in the world of investing, whether it’s institutional or retail, better than Vanguard CIO. GREG DAVIS, CHIEF INVESTMENT OFFICER, VANGUARD GROUP: Thanks, Barry.

Portfolio 130

Portfolio Investing Investments Numbers 130

The Big Picture

AUGUST 8, 2022

ANAT ADMATI, PROFESSOR OF FIANCE AND ECONOMICS, STANFORD GRADUATE SCHOOL OF BUSINESS: So, my journey starts where I took a lot of math. I was good in math and I love the math. So, I was kind of, in my romantic mind when I was in my early 20s, I was going to take but not give back to math, that kind of thing. ADMATI: Yes.

Banking 201

Banking Government Insurance Taxes 201

Bell Investment Advisors

NOVEMBER 27, 2023

And there is so much to think about – where to deposit it, how to spend or invest it, what it means for your future. Other tax-advantaged accounts like 401(k)s, 529s, and Health Savings Accounts have their own unique distribution requirements and tax consequences. Here’s how to handle the transition thoughtfully and thankfully.

Accounting 52

Accounting Distribution Investment Advisor Taxes 52

The Big Picture

AUGUST 15, 2023

Let’s talk a little bit about your alternative investments career. And so alongside of Wall Street recruiting in my senior year, I interviewed at the Yale Investments Office and was fortunate to get that job and violated the two principles I had at the time, which was I wanted to be in a training program and I wanted to leave New Haven.

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Management Investing Investments Government 130