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You are here: Home / Archives for asset allocation

178 Plus: Retirement Allocations, MLP Update and Forecasting Errors

October 28, 2017 by David Stein · Updated May 2, 2022

This week October 28, 2017 on Money For the Rest of Us Plus, we look at two types of forecasting errors for future returns. We address a member's question who is concerned about the 70% of his portfolio he says is languishing in cash and another who is considering stop limit orders. We answer a member's question regarding rental real estate and reducing exchange rate volatility. Finally, we discuss the current environment for master limited partnerships. … [Read more...]

Filed Under: Uncategorized Tagged With: asset allocation, asset allocation assumptions, investing cash, MLPs, prediction

154 Plus: How Your Profession Impacts Your Investment Strategy

April 20, 2017 by David Stein · Updated May 24, 2021

This week April 20, 2017 on Money For the Rest of Us Plus we look at how investors should factor in their employment in terms of their overall asset allocation, such as the variability of their income and the industry in which they work. We look at a new study by Vanguard on dollar cost averaging versus investing lump sums. We explore the implications of the phrase, "the market went up because the money had no where else to go." Finally, we consider how investment bubbles can contribute … [Read more...]

Filed Under: Uncategorized Tagged With: asset allocation, asset bubbles, bubbles, dollar cost averaging, employment, lump sum, portfolio construction

153 Plus: Evaluating Annuities, Directed Trades and Private Real Estate

April 15, 2017 by David Stein · Updated May 24, 2021

This week April 15, 2017 on Money For the Rest of Us Plus we help a member analyze whether it is better to take a lump sum payment or an annuity that a former employer is offering. We look at how major retail brokerage firms such as Schwab and Fidelity direct trades to market makers and whether that is a good thing or not. We analyze how an investor might adjust their publicly traded portfolio mix if they own rental real estate. Finally, we try to determine which precious metal is most … [Read more...]

Filed Under: Uncategorized Tagged With: annuities, asset allocation, brokerage firms, directed trades, gold, immediate annuities, income annuity, lump sum, lump-sum pension distribution, precious metals, private real estate

151 Plus: Asset Allocation, Harm and Risk Tolerance

April 1, 2017 by David Stein · Updated May 24, 2021

This week April 1, 2017 on Money For the Rest of Us Plus we profile three members who have questions on deciding an appropriate asset allocation given their life circumstances. To help them and other members with similar questions, we take a big picture look at risk, harm, asset allocation and timing. … [Read more...]

Filed Under: Uncategorized Tagged With: asset allocation, harm, risk management

MNY150 Plus: Asset Allocation Example, Managed Futures and Bonds

March 25, 2017 by David Stein · Updated May 24, 2021

This week March 25, 2017 on Money For the Rest of Us Plus we walk through the process of breaking down a portfolio to determine its asset allocation, expected return, risk and fees. We also discuss managed futures and the challenge of estimating the impact of a bond fund's duration on performance over multiple quarters. … [Read more...]

Filed Under: Uncategorized Tagged With: asset allocation, bond duration, managed futures

135 Plus: Investing Cash, Active Versus Passive, and SEC Yields

December 3, 2016 by David Stein · Updated April 29, 2021

This week December 3, 2016 on Money For the Rest of Us Plus we look at why the model portfolios are a jumping off point to investing rather than a one size fits all solution. We discuss using actively managed funds to complement passive ETFs. We explore how SEC yields are calculated and how yield to maturity assumes reinvestment of interest/dividends. Finally, we look at where cash should be invested. Audio duration: 18:44 … [Read more...]

Filed Under: Uncategorized Tagged With: active vs passive investing, asset allocation, investing cash, investment styles, SEC yields, yield to maturity

MNY127 Plus: TIPs, Individual Stocks and Investment Conditions

October 8, 2016 by David Stein · Updated April 29, 2021

This week on Money For the Rest of Us Plus we start off by discussing a leading investment concern; what to do about rising asset class valuations driven by low interest rates. We also look at when inflation indexed bonds are attractive investments. Finally, we explore how to incorporate a portfolio of individual stocks into an asset allocation to determine an appropriate return. … [Read more...]

Filed Under: Money Plus Tagged With: asset allocation, bonds, inflation, stocks, TIPS

MNY106 Plus: National Debt, Solar Bonds, Permanent Portfolios, Emerging Markets and Dissecting A Portfolio

May 7, 2016 by David Stein · Updated May 24, 2021

This week on Money For the Rest of Us Plus we cover a number of different topics. I address hyperinflation and the national debt. I also answer questions on emerging market stocks, solar bonds and international stock exposure when implementing a Permanent Portfolio. I also analyze a member's asset allocation in his retirement account to estimate the expected return and risk and compare it to one of the Hub's model portfolios. The episode length is 24 minutes. … [Read more...]

Filed Under: Money Plus Tagged With: asset allocation, emerging markets, hyperinflation, international stocks, national debt, permanent portfolios, solar bonds

MNY097 Plus: Asset Allocation and Frontier Markets

March 5, 2016 by David Stein · Updated October 22, 2021

This week on Money For the Rest of Us Plus I discuss smart beta in the context of adjusting portfolio allocations based on market conditions. I also provide a profile of frontier markets with an emphasis on Vietnam. The episode length is 13 minutes. … [Read more...]

Filed Under: Money Plus Tagged With: asset allocation, frontier markets, smart beta

MNY093 Plus: High Yield and Asset Class Return Assumptions

February 6, 2016 by David Stein · Updated April 29, 2021

This week on Money For the Rest of Us Plus I review recent writings from two of my investment mentors Rob Arnott and Ben Inker. Specifically, we will discuss high yield bonds, the challenges with underperforming asset classes and reasonable asset class returns going forward. The episode length is 22 minutes. … [Read more...]

Filed Under: Money Plus Tagged With: asset allocation, high yield bonds, non-investment grade bonds

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