Wealth Management Social Media and Updates
Wealth Management Social Media and Updates
I'm in the privileged position of having many pro athletes as clients and friends. Many have thrown up their hands and decided to leave the UK. As a professional golfer for instance, £1 million in prize money is treated as taxable earned income, not a tax-free gift. Roughly half would be taxed. https://t.co/vEoxnUZfMO
In retirement, you’re not necessarily looking to replace your salary, but earning some income can be a way to preserve your nest egg. https://t.co/wOfHYW9AWm
💰 Personal finance links: donating shares not cash, understanding your home insurance, and why wealth is more than just money. https://t.co/bdDm8cuhWn image: https://t.co/Erm8sUw9Vp https://t.co/BfNyG6Ndyd
My wife and I went from $304k in debt to $1M in 7 years. Here's how we did it in 30 min/mo:
It’s never been easier to invest. You can literally open a Roth IRA in under 5 minutes, contribute $100, and buy fractional shares of ETFs with ZERO fees. Or sign up for your 401k and contribute 3% or 5% or 10% of...
Want to know where bond returns are headed? Just look at today’s yield. Over the last 50 years, the correlation between starting yields and forward 7-year returns is 97%. Higher yields = higher future returns. Lower yields = lower future returns. Bond investing is just...
10 Small Wealth-Building Choices That Turn A Middle-Class Income Into A Big Net Worth https://t.co/76wSbTzRSX
A millionaire walked into her bank to renew a fixed deposit. Simple transaction. In and out. But the relationship manager had other plans. "Before we process that renewal, let me show you something better."
If I’m being honest I’m thinking of putting together 15 instruments and treating it like the Ray Dalio all weather strat Never holding more than 15 instruments at any given time Only buying shares no options And attempting to beat the...
If you bought to buy a $1 million house and put 20% down, your down payment alone would be worth ~$1.6 million in 30 years if invested in the stock market (Yes, accounts for inflation) Always factor in the opportunity cost of...
Every time you get paid, take a specific amount ($10, $20, $100, etc) and invest it. Don't know what to buy? Start with simple index funds, like VOO or VTI. Ideally, you should invest before your paycheck even hits (e.g 401k) Automate the...
Pivoting to a more accurate "probability of adjustment" framing, there is a simpler way to talk about "retirement income risk" that relies on the concepts of overspending and underspending. https://t.co/MEL3idSI4O This can help both advicer and client better understand the trade-offs...
A lot of people ask me for higher volatility alternatives for "capital efficiency" reasons. And on it's face, it makes sense. Instead of putting $100 in a 10% vol strategy, you can just put $25 in a 40% vol strategy. But there are...
Your salary is not too small to invest. The habit of investing is built on small salaries; not big ones. - Pay yourself first, before anything else (10%) - Start with as little as ₦1,000 (Cowrywise, PiggyVest and Risevest) - Cut one unnecessary expense...
If you... - Put $288 per paycheck in a Roth IRA - Invest in low cost ETFs - Starting at age 30 - Until retirement You'll only pay $263k. But you'll EARN $2,032,680 (tax free). Here's exactly how it works:
Both paying off debt and investing are important, but you don't want one goal to end up hurting you down the line.
The income tax system in the U.S. is structured around the principle that folks in high tax brackets pay more than people in low ones. The Social Security payroll tax, however, works differently. https://t.co/KpaXo2Ptou
A big income jump doesn’t automatically create financial progress. One person I spoke with is jumping from six to seven figures in one year. Lifestyle should grow as your life grows. But it should be intentional. Without a plan, spending quietly expands alongside...
This is the chart the 401k conversation should start with. Non-traded BDC redemption requests blowing past the 5% redemption limit. Trajectory straight up. And the industry's next move is to open these products to retirement accounts.
🔬 Research links: building quant models, the proper use of AI, and a look at two defensive strategies. https://t.co/Dgs1We8thJ chart: https://t.co/zEEeAwtzS4 https://t.co/8FlBmkGAR6
Social Security is a key part of many retirees’ financial plans. If that’s you, make sure you’re not overlooking a potential danger: scams. https://t.co/tfaNsH0Nih
Modified RMD: Utilizing Rolling Three-Year Averages To Reduce Volatility ➡️In our modified RMD approach, the average of the last three years of portfolio values is used to calculate the withdrawal, rather than the value on a single (arbitrary) day. The total...
You can't pick a stock market bottom, you can only pick a stock market discount. The strategy for investing is simple: 1. Always stay invested at an asset allocation 2. If the stock market falls 25%/50%/75%, invest 25% of the allocation not...
Claude can now execute portfolio rebalances at scale. Every RIA-focused AI middleware company just became a target. The advisory stack isn't being augmented — it's being bypassed. Agentic AI and Anthropic's Launch of Wealth Management AI Tools https://t.co/eJ7H2Bo1Ml
Traditionally, balanced portfolios rely on the equity and bond risk premia to generate returns. But is there a potentially better way? by @ebasilico https://t.co/dVYUQ1cXTI https://t.co/dSGBs4QvXo
🆕 Adviser links: the hunt for tax alpha, the rise of the family office, and using AI to review your client meetings. https://t.co/XSvv0VbRQN image: https://t.co/MGALlsH37N https://t.co/Jc78m3xZ0E
Warren Buffett paid $6.9M of federal taxes on $39.8M of taxable income in 2010, or a 17.3% effective tax rate. Most of his income came from capital gains & qualified dividends taxed at a max rate of 15% back then. This is...
Been on bbcnews explaining why financial markets are going haywire due to a spike in energy prices. If you have a pension or other investments don’t panic, keep calm and carry on as bouts of market volatility are usual for...
If your roof needs a $45,000 repair 20 years from now, that means you should be saving $2,250/year, or $187.50/month Do you do this? Almost nobody does A shortcut: Save 1%-3% of the price of the house -- PER YEAR -- for...
Blood is on the streets. Sadly, even literally. Portfolios will bleed too, and this time it's a man made disaster. We've seen these before, and we've emerged eventually out of them better, but man made disasters tend to take a little...
Tax wrappers (IRAs, HSAs, etc.) are cheat codes for arbs & special situations. Active investors using them as indexing & long-term only vehicles are sabotaging their risk adjusted after tax returns. https://t.co/HDlplC0mGI
Most usage of Software Factory are by companies solving their own problems. They aren’t looking to create public demos. That said, if you’re a fund or family office and need a lightweight but robust way to manage your schedule of...
Most investors won't like your investment idea until after it doubles, which means validation comes long after you've purchased and borne the burden of being alone in your conviction. The gap between purchase and recognition is where fortunes are built...
Stocks Bitcoin Real Estate Businesses Private Equity Buy talent Invest in skillsets/education Provide value to marketplace Income to passive investments Aggressively maximize the tax code That’s my blueprint to $100M. Don’t overcomplicate the game.
Jerome Powell warns the U.S. is on an unsustainable fiscal path, with national debt growing faster than the economy. Investors, learn how this affects the stock market, portfolio risk, and long-term wealth building. Smart value investing can protect your financial...
High yield credit (HYG) down 0.5% on March 6th. When junk bonds sell off alongside equities, it means credit markets are sniffing out real economic stress, not just a volatility event. Watch HYG. It leads. Always. https://t.co/HpbzOsBALw
BofA: Signs of capitulation: a record proportion of clients are more bullish than their advisors https://t.co/ZGEXCrToNB
2 in 3 households own a home, yet most have no idea how homeownership taxes work. If you own a home (or plan to), here are some tax tips that will save you thousands:
Russell 2000 down 2.3%. Small caps are the canary. They need cheap credit, domestic demand, and labor stability. They have none of those right now. If you're waiting for small cap leadership to confirm a bull market, you'll be waiting a while. https://t.co/mDOKLhcosE
If you saw the BlackRock headline this week and your first thought was "should I be worried about my own investments," you're not the only one. But the thing you're worried about probably isn't what you think it is.
The greatest trick the market plays on beginners is making you think luck is skill. It waits for you to double or triple down on your next bet and then it teaches you your first lesson.
She had $1.2 million in cash. Three years. Waiting for the "right time" to invest. She thought cash was safe. Zero risk. She didn't realise she was already taking the biggest risk of all.
I've always been a conviction investor, but I have evolved in how I define "high conviction" and how it is expressed within my portfolio. When most investors hear high conviction, they think of high concentration. To them, concentration means making...
💸 Where does your money actually go? TJ Maxx? Nordstrom Rack? Marshalls? Ross? We all deserve a little dilly-dally magic… but when random spending runs the show, it’s time for a budget check.
Look Morgan Stanley isn't "rushing into crypto" They're rushing into revenue Bitcoin ETFs generate management fees Wealth advisors get commissions The firm captures flow This has nothing to do with decentralization It's the oldest game in finance wearing a new mask
Things to focus on to build wealth: - invest wisely (tax advantageous accounts, low cost index funds, consistently) - spend wisely (especially big $$ expenses like cars) - acquire new skills to make more $$$ (certifications, degrees with good ROI) This is the blueprint.
During a lifetime you will have 10-20 big winners and hundreds or thousands that didn’t live up to your expectations. Long-term investing success is capturing those 10-20 monsters while also understanding 95% of what you own will deserve to be...
Saw this on r/Bitcoin and had some thoughts: The best traders I know also DCA quietly in the background. Trading is a skill game. DCA is a math game. You need both. One good strategy: -Keep 65–70% of your crypto capital in a...
If you're 40 and start investing $1,000/month earning an 8% avg return: Age 45: $73,477 Age 55: $346,038 Age 65: $951,026 Add social security and you've got a better retirement than never investing at all.
I want to gently point out that most people do not understand that if you invest enough, your portfolio can pay your housing costs in perpetuity So when I say "renting can be cheaper," they are bewildered "Yes but how will you...
