100 Level

Goal Setting

What are your retirement investment goals?  Do you even think about setting goals?  Would this statement fit your situation? "I really would like to be able to pay for my children's education, retire, and enjoy my retirement."  While this statement covers a broad range of expectations, it is not specific.  Over what time frame do you intend to cover or reach these … [Read More...]

Beginning Investors: Morningstar Article Is Must Read

Beginning investors will definitely want to read this article.  If confused as to which ETFs to use, go with Vanguard and keep it simple and inexpensive.  Begin your account with VTI and then expand from there. I have no idea why the author of the article did not include VWO as the emerging market ETF in the Vanguard portfolio.       … [Read More...]

300 Level

Bohr Portfolio Review: 10 May 2012

While it is still approximately 10 days before the scheduled review for the Bohr Portfolio, I am moving the update forward due to weakness in the international markets.  Platinum members will note two asset classes below target.  Not long ago I sold shares in VEU and VWO, developed and emerging markets respectively.  Fortunately, that was a good move as prices declined. … [Read More...]

Conservative Portfolio

Below is the QPP analysis of a portfolio suggested by an ITA reader. The portfolio is made up from a wide array of index funds and ETFs.  The projected return of 4.44% immediately indicates this is a conservative portfolio as it is projected to return 2.6% below that projected for the S&P 500.  The projected standard deviation is also low at 8.1%, and the Risk/Volatility ratio at … [Read More...]

200 Level

Portfolio Performance: 5 November 2010

Portfolio Performance The market this past week reminded me a bit of market action in the late 1990s in that it was very difficult to outperform the S&P 500. In our case, we use the total market index, VTSMX, as a primary benchmark and it was a challenge for any of the ten portfolios tracked using the TLH spreadsheet to do better than that benchmark. The Retirement Ratio (RR) remained the … [Read More...]

Madison Portfolio Update: 18 April 2012

Examination of the eight critical asset classes held in the Madison show only commodities, as represented by DBC, is priced under its 195-Day EMA.  Both VEU and VWO are close to crossing below their respective EMAs so I will need to check those again a few hours after the market closes as it takes time for the index prices to settle out.  For now, I sold off the shares of DBC as there is … [Read More...]

400 Level

Delta Factor: Second Draft

Below is the second draft of additional Delta Factor calculations.  As one can see from this table, the trends or signals arrive early.  I'm still not satisfied with the algorithm used to generate the Buy, Hold, and Sell signals for these ETFs. Note the dramatic shift between 9/15/2008 and 10/15/2008.  When I see something like this I recheck my figures. … [Read More...]

Top Ranking ETFs For Week of April 26, 2013

Using three-month, six-month, and volatility data, the following table ranks the top 40 ETFs we use to populate most portfolios.  Many of these ETFs are commission free securities for TDAmeritrade clients.  Pay attention to both the ranking and momentum percentage. The following material is not available for publication elsewhere on the Internet. … [Read More...]