Allan Roth

Colorado Springs

Long-time hourly advice only financial planner and accidental journalist. Will never be confused with Mad Money's Jim Cramer.

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Articles

Advice on Life and Money from Jonathan Clements

1 week ago | thedailyupside.com | Allan Roth

What would you do if you found out you had 12 months to live? Jason Zweig recently wrote in The Wall Street Journal how the legendary personal finance writer, Jonathan Clements, actually answered the question when he received such a prognosis. His answer was to help other people get going financially. No one has taught me more about money and life than Jonathan. He wrote 1,006 columns for the Journal and continues to write on his Humble Dollar website and other media.
Allan Roth: 50 Years of the Vanguard Experiment

1 month ago | etf.com | Allan Roth

- Vanguard celebrates its 50th anniversary today. - Earlier this year, Vanguard had its largest fee reduction in history. - Vanguard has continued Jack Bogle’s relentless quest to lower fees. On May 1, Vanguard will celebrate its 50th anniversary. Second only to BlackRock, Vanguard manages about $10.4 trillion for over 50 million investors as of January 31, 2025. I’ve been following what the Vanguard founder, John C. Bogle, termed "the Vanguard experiment" for the vast majority of its 50-year history.
Vanguard, Blackstone, Wellington Partner on Private Assets

1 month ago | etf.com | Mallika Mitra |Sumit Roy |Allan Roth

Fund giant Vanguard is teaming up with alternative asset manager Blackstone and Wellington Management to develop multi-asset investment solutions that integrate public and private markets to investors. The goal is to build “fully diversified portfolios that incorporate private assets and pursue higher returns,” according to a Blackstone news release.
Bonds Get a Bad Wrap. But They Thrived During Their ‘Great Depression’ of 2022.

1 month ago | thedailyupside.com | Allan Roth

High-quality bonds, and bond funds, just get no respect. They’re the Rodney Dangerfield of asset classes, (although they may get more attention if stocks continue their recent plunge). After a terrible 2022 for bonds, a paper by the Retirement Income Institute argued bonds have no place in a portfolio and should be replaced by annuities. I disagreed.
7 Deadly Investing Sins Clients Make

Mar 2, 2025 | thedailyupside.com | Allan Roth

In over two decades of financial planning, I’ve seen many investment mistakes, but one story has always stuck with me. This investor’s error cost him upwards of $1 million over the course of his life, and yes, I’ll even share with you his real name. Al graduated college and was given money by his parents. Rather than blow it on a trip around the world, he bought 10 ounces of gold in 1980 for $6,684. He waited until gold had a 20% pullback, so as not to buy at a record high price.
Legacy Firm Wedbush's First Ever ETF to Focus on AI

Feb 18, 2025 | etf.com | Jeff Benjamin |Paul Curcio |Allan Roth |DJ Shaw

Wedbush, a 70-year-old financial services firm based in Los Angeles, has filed with the Securities and Exchange Commission to enter the ETF space. According to the filing, the proposed Wedbush IVES AI Revolution ETF will track an index of the same name, which is comprised exclusively of securities included in the Dan Ives AI 30 Research Report. THe filing did not include a ticker or proposed fees as yet. Ives is the head of technology research at Wedbush Securities.
The 50% Rule | Bottom Line Inc

Feb 18, 2025 | bottomlineinc.com | Allan Roth

Should you put your money in stocks or bonds? How about investing a windfall all at once…or spreading it out in regular fixed amounts over a longer period? When top advisor, Allan S. Roth, CFP, CPA, advises on important investment decisions such as these, he often winds up using the magic 50% rule. How it works: You split the difference, allocating half your investment money in question to one choice…half to the other.
Allan Roth: I Love TIPS - Just Don’t Go All-In

Feb 13, 2025 | etf.com | Allan Roth |Paul Curcio |Jeff Benjamin |Kent Thune

The single biggest discovery I’ve found over the past two decades of financial planning is using individual Treasury Inflation Protected Securities (TIPS) to secure a safe withdrawal rate and grant dysfunctional savers like me a license to spend. I’ve challenged the financial services industry to solve the safe withdrawal rate as a 30-year TIPS ladder now produces a 4.5% inflation-adjusted cash flow. iShares and LifeX have made progress.
BlackRock Switches Indexes for 3 Euro Multifactor ETFs

Jan 23, 2025 | etf.com | Lauren Gibbons |Allan Roth |Sumit Roy

BlackRock Inc. has switched the indexes of three multifactor ETFs as it aims to achieve better global consistency within its factor investing range. The $633 million iShares STOXX World Equity Multifactor UCITS ETF (IS07), the $245 million iShares STOXX Europe Equity Multifactor UCITS ETF (IFSD), and the $70 million iShares STOXX US Equity Multifactor UCITS ETF (UFSD) will go from tracking MSCI indexes to their respective STOXX indexes. The ETF names will also change to align with the new indexes.
Can ESG ETFs Survive Trump? Advisors Weigh In

Jan 23, 2025 | etf.com | Jeff Benjamin |Paul Curcio |Allan Roth

It wasn't long ago that environmental, social, and governance (ESG) investing was so popular that some asset managers were accused by regulators of exaggerating their ESG attributes. Even though you may not hear as much about ESG and "greenwashing" these days, the category hasn't disappeared entirely. But new leadership in Washington, D.C. appears poised to kick ESG investing while it's down. Common rubs against ESG investing like higher fees and lower performance continue to dog the category.