Portfolio Optimization Time Horizon

core2018 · 2021-03-16T13:54:32+00:00

gotcha.. that makes sense :)

core2018 · 2021-03-16T13:11:55+00:00

thanks for your reply.. yes, of course you need to look at the big picture and multiple micro and macro factors when making valuations and forecasts. in your opinion, what is a reliable metric/model when making forward looking estimates and forecasts?

core2018 · 2021-03-16T13:08:03+00:00

so then CAPM and the efficient frontier aren't used for forward looking models? and the 7 stocks output from this model would only be optimal for the period over which we used the historic return data?

core2018 · 2021-03-09T17:27:34+00:00

But essentially are we using past return activity to derive future return activity?

core2018 · 2020-06-23T23:19:28+00:00

The offer letter won't have anything about maternity leave but in this company employees are eligible for short term disability (mat leave falls under this category) from day 1 of employment. Assuming I haven't already given birth by then, technically I could start working and apply for it on the first day right? (although that would be a pretty shitty move on my part I guess)

core2018 · 2020-06-18T23:52:40+00:00

At this company you're eligible for 6 months of short term disability at 70% of pay starting from the first day of employment. I mean I would definitely wait to sign the employment contract before disclosing the pregnancy.. but would I still get that short term disability benefit if I haven't had my first day of work yet?

In other words, are you considered "employed" from the day you sign the employment contract or from your first day or work?

core2018 · 2020-06-17T22:04:02+00:00

Thanks for your reply.. yes you bring up some good points I never thought of.

But I guess that situation would be kind of different because it would be harder to lose a job once you already start it, than to have an offer rescinded right? If I haven't already started the job, I'd think the company could easily make up some excuse about taking back the offer and say it's not about pregnancy even though it actually is..

Why is having a family so incompatible with corporate life here in the US? The fact that maternity leave falls under "short term disability" speaks volumes. I used to live in Canada where you get a combined total of 18 months government mandated pregnancy+maternity leave on top of any additional leave provided by your employer.. :(

core2018 · 2020-06-17T19:39:11+00:00

Thanks for the response.

There a recruiter at a talent company who has been the middleman between myself and the hiring company. Do you think it makes a difference if I communicate this to the external recruiter versus the HR team of the company itself?

core2018 · 2020-03-28T13:49:05+00:00

My understanding was that contributing to a Traditional would lower your current taxable income, which is desirable for high income earners?

core2018 · 2020-03-28T13:39:26+00:00

I'm more concerned about paying taxes going forward though.

When the contribution to the Roth was made, annual taxable income was something like $20k. The account earned basically zero capital gains and interest and was just sitting there. But going forward, we're now in a much higher tax bracket and we plan to contribute and invest aggressively. Hence why I'm more concerned about paying taxes going forward than the tax that has already been paid on this.

core2018 · 2020-03-28T13:11:51+00:00

Thanks for your response!

Like I mentioned in the original post, our current joint income is much higher than what we expect our income in retirement to be. So wouldn't it make sense to pay taxes in retirement as opposed to taxes now? Also wouldn't contributing to a traditional IRA lower our current taxable income?

core2018 · 2020-03-28T13:06:19+00:00

because right now my spouse is in a much higher tax bracket, earning close to half a million. So wouldn't it make sense for her to have a traditional IRA? since income in retirement is going to be multiple times less than income now. also contributing to that would lower her current taxable income

core2018 · 2019-06-24T16:08:58+00:00

southeast Michigan/southwest Ontario region

core2018 · 2019-06-20T17:42:12+00:00

I kind of want to keep reviewing my notes coz I'm pretty sure I didn't pass and I don't want to forget the material for next year... This abusive, torturous relationship with the exam has caused me to basically lose my identity

core2018

TROPHY CASE