19 Burst results for "Ibbotson"

"ibbotson" Discussed on Masters in Business

Masters in Business

01:41 min | 2 years ago

"ibbotson" Discussed on Masters in Business

"They got the worst their performance seems to be is this the same sort of issue where suddenly popularity just exceeds their ability to manage that capital. Or is there something about hey, that's way late in the cycle by the time. It gets popular. It's just too late. Well, it's probably both that that certainly when they get a lot of money that their particular idea, they put a lot of money behind it. They're putting too much money behind it. And then and then they're moving the price themselves. And then that makes it overvalued and. To popular and our words, so too could be overvalued to popular could be just classical types of things like risk of Quincy. Popular, but popularity is the thing that ties everything together. That's why I guess I'm so excited about our new I knew monograph here because it's not only ties all these premiums together that people are talking about say the four hundred premiums, and which ones might work and and also ties in the link because we were evolving into behavioral finance and classical finance is being different fields to some extent this ties in back together again. So I'm really I'm really excited about. The the whole approach here, and I'll I'll clue to link to that white paper on the right of about this. So people can find it. We have been speaking with Roger Ibbotson, professor of finance at the l school of management and chairman of Ibbotson associates as well as chairman and CEO of zebra.

chairman and CEO Roger Ibbotson Ibbotson associates professor of finance chairman Quincy l school of management
"ibbotson" Discussed on Masters in Business

Masters in Business

04:17 min | 2 years ago

"ibbotson" Discussed on Masters in Business

"And so they actually has a eastern there's actually managing the university of Chicago bond portfolio in how large was that at the time. Well, these numbers were not large today's time to a couple of hundred million. You know, it's still a PHD student is like, okay, congratulations. You're running a few hundred million dollars. That's not nothing especially in the late sixties. Yeah. It was it was a great thing to do. And and it gets back to what you're talking about. When people once I was running the bond portfolio. People would ask me when are Fisher and Lawrie going to update their study because I the first day to came out from nineteen twenty six to nineteen sixty. And then it was the nineteen nineteen twenty six to nineteen sixty five and then nineteen sixty eight but this was seventy. To seventy three and people are asking one when I say the updated data, and I would ask I would ask Larry Fisher when it's going to get baited. Larry give me a day date would go by and it wouldn't get done. And and so this is what I really took the ball by our and I worked with wrec zinc field who is a mine at the time, and we decided to put this put data that literally all the we use the center for research prices, but we put up some quicker data together to get a sense of what something up today, actually. And we brought it up to date actually through nineteen seventy six at the time. So that brings us to nineteen seventy seven which not coincidentally when you launch Ibbotson associates. Tell us about what motivated you to go out and hang your own shingle. West dock sponsor bills and inflation. I was an assistant professor and just we're just published stocks bonds bills inflation I as a couple of journal articles and one which is on the past and one extra predicted the future long-term, but then also as a monograph from the CFA institute. And EV everybody was so interested that I was I I was getting dated with letters coming in CEO's asking me for information. And and response of this this question that question, and and I was at a I barely had a secretary. I had a part of secretary. And I and I didn't know what to do with all these letters from the CIO's CEO's and CIO's and and so forth. So I I I started hiring a couple of people to help me out with this. That's what that's what it caused me actually started. But associates had. Plenty of business at the start because somebody people were actually requesting things from me you sold associates and advisors to morning star back in two thousand and six pretty good timing before the tide went out in. Oh, eight oh nine what was that process? Like, they're pretty big shot. Morningstar? How did that transaction go? Well in two thousand six by that time, I was at Yale yell school of management is a professor in practice there. But in two thousand six the we had a hundred and fifty people and Evison associates offices in Chicago, New York and Tokyo, actually, but still we were very small compared to MorningStar giant also in Chicago. Right. Aren't they? They were very far they were just like to firms that were somewhat similar that were only a couple of blocks away from each other that that's a pretty natural fit that the. Large morning store will acquire the smaller Ibbotson in the same hometown. At actually, I gotta say the we we were out. I because I remember when Joe wait. Oh, and then I eighties but came to a few of our holiday parties and things like that. And but he, but I gotta say you have to give Joe Macedo credit mornings. I really took off and grew we were growing fast too. But nothing like they were you focused on data about markets. Generally, they focus specifically on mutual funds and that became a giant growth area for them. As specially with the Orissa laws and 4._0._1._K.

Ibbotson associates Larry Fisher university of Chicago Morningstar CEO Joe Macedo secretary CIO Orissa Evison associates assistant professor CFA institute professor Chicago Lawrie New York Tokyo hundred million dollars
"ibbotson" Discussed on Early to Rise Radio

Early to Rise Radio

04:25 min | 2 years ago

"ibbotson" Discussed on Early to Rise Radio

"My message. Out there make some money. And then I learn more about Ibbotson stuff like that. So anybody who's like adult really know if this is right or not it, you know, you know, you're you may be questioning yourself. Do you may have a self doubt that troops in new may have these other voices either external or the voice inside your head that tries to tell you something different. But if deep down it's point towards something, you know, do need to go after and and, you know, are you going to are you going to get second guess yourself along the way shore did many times is this for me is working you ABC's, eight months in things aren't really materializing. But if it's what you wanna do if it's you know, we talked about the five pillars of impacts number one is passionate. You have to be doing something you're passionate, and if you are passionate about that is your dream, and you have aspirations than you're on the right path. Just sometimes John stay on the path for considerable amount of time before starts to work out for you. And almost always that's the case don't get discouraged by not networking out. Because very rarely do the James clear talks about the Stonecutters slammed down the hammer on the stone. It ninety ninety eight ninety nine one hundred blows. And the stone is still looks like a did the very first time you hit it. And then boom a hundred one comes and the stone cracks until well was he did something magical the hundred time that made that stone break knows the cumulative force of the hundred blows before it, plus the extra one that made it happen. So all everything that you're doing right now, you could be spending months months of time that where you're grinding it out where you're doing everything in doesn't seem like you really get into where you want to. Keep going because of the hundred I blow on a common, then you're gonna hit decorate throw in you know. That's where the overnight success. Right. It's like though is your nobody. Now, you're big somebody while. Yeah, it's a longtime being a nobody and all just falls into place. And then your big somebody that happened for me where I was I was nineteen years old one in the fitness industry. I didn't really make any money in the fitness industry until I was twenty seven years old. So that's eight years later. I've start writing for magazines on his twenty years old twenty seven when I got into e books finally answered a lot of failures in screw ups long the way things not working out for me even get into that industry. And then a lot of net more networking in the lot of studying a lot of the learning marketing and all that, and then it all started to workout. But I was working on the whole time. I wanted to be innocent Israeli won't be making. Money in this industry as working on for seven years, and you had you you left being a teacher to your off for the book, and then had to go back via TJ now is the worst experience of my life. I can't think of a time where I been more disappointed. I thought this was a book deal at hundred thousand dollar advance pay guards and and a taxes as well. And that's the whole month leftover celebrated binds some really good football tickets. Whatever next, you know, after a year of living off that money and the euro from teaching to be available for media and stuff. I I had some opportunities present themselves the first month or two at the book launched in the book launched right? When swear starting. So I very quickly found myself not busy at all and living off of my advanced money. And I I got the point where I realized that like this another book deal in the traditional way, and I'm gonna have failed this. L, and I was in a position where I had to go back to teaching figure figure it out or go back to aging Milan. Doing both. I says it wasn't an option. I had to go back, otherwise, I been really bad financial situation..

Stonecutters Ibbotson Milan ABC John James football hundred thousand dollar twenty seven years nineteen years eight months twenty years eight years seven years
Body recovered from plane wreckage is Argentine soccer player

BBC World Service

00:34 sec | 2 years ago

Body recovered from plane wreckage is Argentine soccer player

"There has been an outpouring of sympathy from the football world after it was confirmed that the body pulled from the wreckage of a plane in the English channel is that of the Cardiff City striker Emiliano Sala Cardiff's Ivory Coast defender, salt Bamba, posted a black and white image on social media of a teammate. He would never get to play alongside the body of the pilot. David Ibbotson has still yet to be found despite the development Cardiff's relegated battle away to Southampton is scheduled to go ahead as planned on Saturday of the other end of the table Liverpool. Go back top if they get even a point at home to

Emiliano Sala Cardiff Cardiff Salt Bamba David Ibbotson Southampton Football Liverpool
Man leading search for Sala's plane says wreckage found

BBC World Service

03:05 min | 2 years ago

Man leading search for Sala's plane says wreckage found

"Of course, the story that's been dominating English football over the last couple of weeks has been an update in the last few hours wreckage from a plane carrying the Cardiff City. Football million Asala has been discovered near the Channel Islands between the south coast of England and the French coast the plane disappeared on his way from in France to Cardiff with the newly signed Argentine striker and pilot David Ibbotson onboard reporter John Fernandez is in Guernsey and can join us live firstly. I John what exactly has been found. While twenty eight nautical miles north of Ganzi west of Alderney in the Channel Islands substantial wreckage, according to David man's the man launching this privately crowd funded Sach was found. Now, he says that this was found at nine thirty yesterday morning. They only did three passes until by stopped. And then got away from message and handed over to the a IB who are now conducting the salvage operation now, he wouldn't be drawn on whether any bodies have been found, but he did say that it was a substantial amount of wreckage that had been found on the seabed in a particularly rough area of the ocean. So the the the chances are I think everyone has kind of written off the chances of finding anyone alive from this is that for. I think that's absolutely true. And I think from the start of this private sector operation. They very much worldwide is going to be a recovery appreciation for applying. But Mr Mann said now his job is done. These are the questions that the Sala family had of now being on. So he's hoping that this will bring them at least some closure at least some idea of what happened to this missing part of Malibu that went missing two weeks ago today, it went missing twenty past eight off the north coast of old name. Matt was lost anybody has met. We see a huge outpouring of grief from the footballing wild form, a pilot Davidson and Cardiff City footballer Amelia honor Saleh and a huge amount of money raised for this search effort, which eventually did pay dividends. Obviously, we're very very center of this process. Now, I'm just wondering whether having found something in the sea. Whether we're any closer to knowing what exactly happened to this plane. I think that will be a much longer process, if I'm honest, the AARP, very thorough. They at the moment are working on the salvage operation. They are launching an unmanned submersible vehicle as I said the conditions in the channel at the moment are not conducive to any kind of Sach actively they're out there because they have a large vessel, but can survive these at these tough waters, but it is not an easy task. It's an eighty foot boat. But the winds are hi gale force hair. And the Channel Islands at the moment. Now, the hope is that they can get as much of this wreckage as possible. And then as you say, hopefully, that will lead them some way to finding out what happened to this

Channel Islands Sach Cardiff John Fernandez David Ibbotson Mr Mann Football Aarp Cardiff City France Amelia Honor Saleh Reporter England Guernsey Ganzi Matt Davidson Alderney Twenty Eight Nautical Miles
"ibbotson" Discussed on Biz Talk Radio

Biz Talk Radio

01:54 min | 2 years ago

"ibbotson" Discussed on Biz Talk Radio

"And or quantified the cost of a pension risk transfer. Translation, they did their homework. Just like you should. And look at it realistically. I mean, if you're drinking three six packs a day, you're one hundred and ten pounds overweight. You're single. You're unhappy smoke six packs a day. I don't know that maybe not maybe not. But if you are one of those candidates that have the ability to game the system, and I say that it's a legal way to get the insurance companies are looking at actuary tables and actuary tables have to look under the umbrella of or under the tent of tens of thousands, if not millions of people, and then calculate how many of them are going to die summer going to die tomorrow. And that makes their odds the significantly better. Obviously a person buys a life annuity in dies three days later. The insurance company keeps the money. But on an individual basis. You can get one of these super competitive, whizbang contracts, where you can have sort of your cake and eat it too. It doesn't have to be one of these lifetime. You're making a lifetime decision. If you can put your money into this account the account has been proven by Roger Ibbotson from the famous Ibbotson company. If bits and associates owned by MorningStar. And his company zebra capital. I think is the one that did the work on this determined that a certain type of an annuity contract was better than bonds. And on that annuity contract. You can.

Roger Ibbotson Ibbotson MorningStar ten pounds three days
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

02:32 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"I have mentioned that annuities for the most part do pay more than bonds sometimes not always but this happens to be one of the times where they do and there are different types of annuities and some pretty good research to back index annuities beating bonds very very recent research from roger ibbotson from the ibbotson charts dude who's you know somebody been around forever and ever and he did a recent white paper that basically look back in history and found that index annuities which by the way for your wife are totally safe and do not and cannot lose money i should say most of them cannot lose money so you have academic research to support an index annuity beating bonds and i'm talking about government bonds here i'm not talking about junk bonds are high yield bonds or something that would have risk now there is a very small risk that an sure company could go out of business not likely there's also in most states a pretty substantial state guarantee fund that guarantees a good chunk if not all of the principal so i would suggest to you that they're not as safe as a bank cd or a us treasury government bond but there's risk there too because remember in a government bond of interest rates go up and you need to sell you're going to get less money back in a rising interest rate environment i think it's fine to have a mixture of cd's annuities and bonds as part of your fixed income portfolio if you want nothing but safety now let's go through this very quickly there are a bunch of different annuities i mentioned the index annuity there are just straight fixed annuities where you go out x number.

roger ibbotson principal us treasury
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

02:32 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"I have mentioned that annuities for the most part do pay more than bonds sometimes not always but this happens to be one of the times where they do and there are different types of annuities and some pretty good research to back index annuities beating bonds very very recent research from roger ibbotson from the ibbotson charts dude who's you know he's somebody been around forever and ever and he did a recent white paper that basically look back in history and found that index annuities which by the way for your wife are totally safe and do not and cannot lose money i should say most of them cannot lose money so you have academic research to support an index annuity beating bonds and i'm talking about government bonds here i'm not talking about junk bonds are high yield bonds or something that would have risk now there is a very small risk that an insurance company could go out of business it's not likely there's also in most states a pretty substantial state guarantee fund that guarantees a good chunk if not all of the principal so i would suggest to you that they're not as safe as a bank cd or a us treasury government bond but there's risk there too because remember in a government bond of interest rates go up and you need to sell you're going to get less money back in a rising interest rate environment i think it's fine to have a mixture of cd's annuities and bonds as part of your fixed income portfolio if you want nothing but safety now let's go through this very quickly there are a bunch of different annuities i mentioned the index annuity there are just straight fixed annuities where you go out x number.

roger ibbotson principal us treasury
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

02:02 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"The portfolio starting here but what i love about this research study is they simply said take your bonds if you're a sixty forty mix of stocks and bonds take half of your bonds take twenty percent of them and use that bond money in another bond now dr wade foul who's another one that had done research i'm just quoting ibbotson i didn't quote dr motion milewski i didn't dot quote dr wade foul i didn't quote about ten others that have done their own independent research on this but foul has actually written the white paper i think the title was bonds don't belong in your retirement portfolio that's interesting that's a very strong standard and he's also written how insurance does belong he not only brings up a new he's as insurance but permanent life insurance life insurance is a great and the reason i should just just because he calls it actually where science which is what it is because an annuity solves the problem for you if you care about your heirs anyway the annuity solves the problem if you live too long the life insurance problem is solved if you die too soon so if you want to leave something behind for your ears but you still want to have a reasonable retirement income and the ability to take a withdrawal of four or five percent plus inflation etc etc you use both which brings me to your last point because you're giving me some sales pitch during the break on some linked benefit this or whatever and i tuned it out because i wanted you to tell everybody on there i am working with a couple right now who happened to be very young who are looking at this and saying we'll chase you know we should be doing that kind of planning now and unfortunately insurance companies don't understand.

ibbotson dr wade twenty percent five percent
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

01:38 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"Or universe then you're gonna be better off most of the time i'd say ninety plus percent of the time by just staying put in the stock market instead of trying to get out of stocks and go into bonds because most of the time over ten year period stocks will outperform now i said earlier i subscribed to a fifteen year theory and why i got fifteen years is also based on data i got from ibbotson because i went back even inclusive of the great depression and asked didn't personally ask him but i looked at the charts and so forth i wanted to know was there a fifteen year period we're an investment and the domestic stock market is measured by the standard and poor's five hundred with dividends reinvested has there ever been a fifteen year period where that produced a negative return and the answer is no so i said aha if i can buy fifteen years worth of time then i can look you in the i if you can see through a microphone and tell you at least statistically speaking you're not going to lose money in the stock market at least the stock market has measured by the standard and poor's five hundred not diversify beyond the s and p five hundred your chances of making money over fifteen years even greater.

ibbotson fifteen years fifteen year ten year
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

01:39 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"Or universe then you're going to be better off most of the time i'd say ninety plus percent of the time by just staying put in the stock market instead of trying to get out of stocks and go into bonds because most of the time over ten year period stocks will outperform now i said earlier i subscribed to a fifteen year theory and why i got fifteen years is also based on data i got from ibbotson because i went back even inclusive of the great depression and asked i didn't personally ask him but i looked at the charts and so forth i wanted to know was there a fifteen year period we're an investment and the domestic stock market is measured by the standard and poor's five hundred with dividends reinvested has there ever been a fifteen year period where that produced a negative return and the answer is no so i said aha if i can buy fifteen years worth of time that i can look you in the i if you can see through a microphone and tell you at least statistically speaking you're not going to lose money in the stock market at least the stock market as measured by the standard and poor's five hundred not diversify beyond the s and p five hundred your chances of making money over fifteen years even greater.

ibbotson fifteen years fifteen year ten year
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

01:39 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"Or a universe then you're going to be better off most of the time i'd say ninety plus percent of the time by just staying put in the stock market instead of trying to get out of stocks and go into bonds because most of the time over ten year period stocks will outperform now i said earlier i subscribe to a fifteen year theory and why i got fifteen years is also based on data i got from ibbotson because i went back even inclusive of the great depression and asked didn't personally ask him but i looked at the charts and so forth i wanted to know was there a fifteen year period weren't investment and the domestic stock market is measured by the standard imports five hundred with dividends reinvested has there ever been a fifteen year period where that produced a negative return and the answer is no so i said aha if i can buy fifteen years worth of time that i can look you in the i if you can see through a microphone and tell you at least statistically speaking you're not going to lose money in the stock market at least the stock market has measured by the standard and poor's five hundred not diversify beyond the s and p five hundred your chances of making money over fifteen years even greater.

ibbotson fifteen years fifteen year ten year
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

01:49 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"Life you're only fourteen percent plan to purchase an annuity with a portion of their 401k or ira and only three percent have actually done so because of fake news about annuities what can i tell you speaking of fake news of the fellow that's on tv that downplays the whole newest thing he says something that is unequivocally untrue and that is anything you can do with an annuity he can do with his managed portfolio talk about that well let's face it guarantee is a very tricky word and there are lots of compliance people sitting around that say never ever ever use the word guarantee when you're talking about investments get it but insurance companies are able to do that because they have a contractual agreement with you that says guess what you can't outlive this income that's the way it is and that's a contractual agreement with companies that are what seventy eighty hundred plus years old i tough to beat that at the same time you can't hear that from a bank you're never going to hear that from your credit unions and you're certainly not going to hear that from your stockbroker what can i say all right so so how do you get beyond the fake news with individuals you have to sit down with them and sort of go through the laundry list i know that that last month roger ibbotson from the ibbotson company that was bought out by morningstar and all that did he had a white paper i guess it was a white paper on a study that appeared and think adviser and i think it was on morningstar and a few other places that documented that.

roger ibbotson morningstar ira ibbotson fourteen percent three percent 401k
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

02:14 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"Life you're only fourteen percent plan to purchase an annuity with a portion of their 401k or ira and only three percent have actually done so it's because of fake news about annuities what can i tell you speaking of fake news the fellow that's on tv that downplays though annuity thing he says something that is unequivocally untrue and that is anything you can do with an annuity he can do with his managed portfolios we'll talk about that well let's face it guarantee is very tricky word and there are lots of compliance people sitting around that say never ever ever use the word guarantee when you're talking about investments get it but insurance companies are able to do that because they have a contractual agreement with you that says guess what you cannot live this income that's the way it is and that's a contractual agreement with companies that are what seventy eighty hundred plus years old tough debate that at the same time you can't hear that from a bank you're never going to hear that from your credit union and you're certainly not going to hear that from your stockbroker what can i say all right so so how do you get beyond the fake news with individuals have to sit down with them and sort of go through the laundry list i know that that last month roger ibbotson from the ibbotson company that was bought out by morningstar and all that did he did a white paper i guess it was a white paper on a study that appeared in think adviser and i think it was on morningstar and a few other places that documented that index annuities are a better deal than bonds oversimplified statement but you're never gonna hear that from the guys that are managing money because instead of paying i mean can you imagine paying an adviser a one percent consistent fee on a bond fund when they go to put the money into something that doesn't go down ever even in a rising interest rate environment and according to roger emerson produces a.

roger ibbotson morningstar roger emerson ira ibbotson fourteen percent three percent one percent 401k
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

02:19 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"Life you're only fourteen percent plan to purchase an annuity with a portion of their 401k or ira and only three percent have actually done so it's because of fake news about annuities what can i tell you speaking of fake news the fellow that's on tv that downplays the whole annuity thing he says something that is unequivocally untrue and that is anything you can do with an annuity he can do with his managed portfolio we'll talk about that well let's face it guarantee is very tricky word and there are lots of compliance people sitting around that say never ever ever use the word guarantee when you're talking about investments get it but insurance companies are able to do that because they have a contractual agreement with you that says guess what you can't outlive this income that's the way it is and that's a contractual agreement with companies that are what seventy eighty hundred plus years old tough debate that at the same time you can't hear that from a bank you're never going to hear that from your credit union and you're certainly not going to hear that your stockbroker what can i say all right so so how do you get beyond the fake news with individuals do you have to sit down with them and sort of go through the laundry list i know that that last month roger ibbotson from the ibbotson company that was bought out by morningstar and all that did he had a white paper i guess was a white paper on a study that appeared think adviser and i think it was on morningstar and a few other places that documented that index annuities are a better deal than bonds oversimplified statement but you're never going to hear that from the guys that are managing money because instead of paying i mean can you imagine paying an adviser a one percent consistent fee on a bond fund when they put the money into something that doesn't go down ever even in a rising interest rate environment and according to roger ribbons and produces a better rate of return it boggles the mind.

roger ibbotson morningstar ira ibbotson fourteen percent three percent one percent 401k
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

02:58 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"This is the ray lucia show for the back the one show that helps you make better money moves the program all about your money your business and your life guys a lot of really good information all right now at eight four four ratio four ra why say joe w this is the ray lucia show thank you very much and welcome we will show the really big right here right now on the radio and television nationwide and coast to have you on board montagny docket today first of all retirement that's exactly what my doctor is ordered how 'bout yours we're gonna talk about that coming up investigating some fake news out there on annuities tired that added it drives me crazy again this morning but then again all kinds of fake news drives me crazy and now we've got a study in from none other than roger ibbotson is the guru of all jews when it comes to the market ibbotson associates are here those guys they have more data and research than probably anybody else on the planet they merged in with morningstar a few years ago he's an icon carl icon in the biz anyway but i start today with steve vernon who was an actual and also an icon in my mind and he quotes from various studies by the stanford center on longevity and many others and i find this compelling reading so i will read some of it too because he's come up with something that's really really important that you need to know if you're planning for your own retirement or help and if you're an adviser helping others for example for middle income workers which is most of us here's what he says the most important decisions one the when the lead the leave the paid workforce and rather to work part time for a period until full retirement very important decision then deciding on the start so security we know about that determining whether to use retirement savings to enable delaying social security benefits important decision d expand your cash while you delay take take the money and run so to speak also managing and.

morningstar steve vernon stanford center ray lucia roger ibbotson ibbotson associates carl
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

02:35 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"Retirement that's exactly what my doctor is ordered how about yours we're going to talk about that coming up in just a bit and some fake news out there on annuities tired that ad it drives me crazy again this morning but then again all kinds of fake news drives me crazy and now we've got a study in from none other than roger ibbotson this guy is the guru of all gurus when it comes to the market ibbotson associates or heard of those guys they have more data and research than probably anybody else on the planet they merged in with morningstar a few years ago but he's an icon carl icon in the biz anyway but i start today with steve vernon who was an actuary and also an icon in my mind and he quotes from various studies by the stanford center on long jetty and many others and i find this compelling reading so i will read some of it to you because he's come up with something that's really really important that you need to know if you're planning for your own retirement or help and if you're an adviser helping others for example for middle income workers which is most of us here's what he says are the most important decisions one deciding when to lead the leave the paid workforce and whether to work part time for a period until full retirement very important decision then deciding when to start so security we know about that determining whether to use retirement savings to enable delaying social security benefits an important decision do you spend your cash while you delay or is it take take the money and run so to speak also managing and reducing living expenses specifically housing transportation and medical costs what are you going to do once you retire how can you economize downsize cetera et cetera and deciding whether to move or deploy home equity tell i was just writing about this for one of my other clients for whom i do some writing i know you think i'm semiretired.

morningstar steve vernon stanford center roger ibbotson ibbotson associates carl
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

01:40 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"The allied it's time it is during the pacemakers right i'll gas where i thought because i used to do this on a long long time ago i didn't do it very well a man a long time ago they did the ferry cross the mercy to i remember that gives you played that did you play that the other day or did i play it i think i i think i went in my opponents and played it because you guys got me thinking about for whatever reason i get them confused with gary and the playboys and jerry and the pace wasn't kerry gary lewis like jerry lewis is son i don't know is that right see that all coming back to me yeah i didn't know ah all right so i gave you a homework assignment yesterday during the break to write down the instruction list for all the females out there that if you're sitting with them today and giving them some advice what advice would you be giving them well okay so a couple things first of all wh when i started talking about financial planning don't let your eyes cross i'm not talking about pulling out the charts and graphs and getting into technical discussions the ibbotson charts and graphs the mountain charrette's yes by mr in its but when i am talking about is setting a goal that you know what it costs to live in outfit looking your check both and you look at the credit card receipts you know what you're spending what does it cost live that's the kind of thing we started to your financial plan based on what is the cost of live what the researchers i.

jerry lewis gary lewis ibbotson
"ibbotson" Discussed on BizTalk Radio

BizTalk Radio

02:48 min | 3 years ago

"ibbotson" Discussed on BizTalk Radio

"Ibbotson fixed indexed annuities mp out bodies are you kidding me fear that before this programme yeah i think you have i reported on a certain other studies and some anecdotal research on my own part but i bring this up in the context of the mass media in this billionaire that runs ads because he hates annuities reminds me of some of the billionaires that are politicians that run negative ads against the competition but it is pretty iowa opening when someone such as economist robert ids ibbotson argues that fixed indexed annuities have the potential to outperform bonds in the near future and smooth the return pattern of a portfolio that is significant because robert ibbotson roger it's it's a labelson is no slouch when it comes to this stuff he's been around forever he created the firm ibbotson associates which merged with morningstar a few years ago it's one of the preeminent research firms around and he's one of the preeminent economists around he's known for his stocks bonds bills in inflation charts that i use the post on my wall when i was a financial adviser and in every seminar i would do these charts and talk about the embiid sin data you've heard me referred to it on this program i'm sure a thousand times before if it's an data according to everton data if it sends a seminal work was around the idea that as you take on more risk in a portfolio you get a higher return but that risk is volatility and his one approaches retirement they can't afford that lack of stability the so called sequence risk that we've also discussed quote i've always recognised that you have to deal risk and we see that bonds are not necessarily the way to go today because yields are so low it's pretty hard to have a falling rate environment today when yields are below three percent on bonds yes and you have the federal reserve tell you in your phase that they're going to raise rates three to six times over the next two years when added to a portfolio he goes on fixed indexed annuities can smooth out the return pattern he argues a fix indexed annuity as a contract issued an guaranteed by an insurance company it is.

Ibbotson ibbotson associates morningstar iowa robert ids ibbotson robert ibbotson everton three percent two years