100 Level

Investing 101

It is so easy to get down into the gears of investing and lose sight of the big picture.  Pulling back from portfolio management, necessary as that is, and laying out the long-range picture of investing is essential from time to time.  That is the situation today, so here are some fundamentals to investing. Follow "The Golden Rule of Investing" by saving as much as you can … [Read More...]

Winter Solstice Arrives On Pacific Coast

Winter Solstice The Winter Solstice occurs at 3:12 AM PST. "Sol" refers to the Sun and "stice" means to stand still. Each day before the Winter Solstice the Sun appears a little lower in the sky at noon. The Sun’s altitude at Noon on the Winter Solstice, as seen from the Portland area, is approximately 21 degrees above the southern horizon.  After the Winter Solstice the Sun appears a little … [Read More...]

300 Level

Reviewing The Portfolio

Kepler Portfolio Review Monday's calendar tells me it is time for another review of the Kepler Portfolio.  Below is the Dashboard for this portfolio and readers will note nearly all the asset classes are within the target limits.  Those limits are +/- 20% as set by the Threshold inside the TLH Spreadsheet.  Only emerging markets is slightly below target.  If new cash comes … [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 Update: 7 September 2012

It has been nearly a month since I last posted a Portfolio Performance data table.  The general overview for the eleven portfolios is that all gained absolute ground during the month of August, but nearly all lost relative ground to the ITA Index and VTSMX benchmarks.  There were a few exceptions. … [Read More...]

Supercharging Portfolio With Low Beta Stocks

In response to recent discussions surrounding Geoff Considine's article, "Why Low Beta Stocks Are Worth a Look," I put together a simple portfolio made up of several ETFs found in many of the ITA Wealth Management portfolios.  I added two low volatility ETFs, SPLV and USMV.  These are new ETFs requiring a shorter time frame in the following QPP analysis. … [Read More...]

400 Level

Bond “Delta Factor” Summary

As promised, below is a screen shot of a "Delta Factor" data table for AGG, BIV, BSV, HYG, JNK, IEF, TLT, and TIP.  The reference bond ETF I use in this analysis is BND.  I've done almost no testing with bonds so I don't know the quality of the predictive powers when it comes to bonds. … [Read More...]

“New Normal” Portfolio Revised

Photograph:  Cape Mears Lighthouse.  This is the lighthouse that was shot up by vandals a few years ago.  Although repairs were made, the lighthouse will never be the same as Fresnel lenses of this size and quality of glass are irreplaceable. The creator of the "New Normal" portfolio sent me the latest holdings so here is the revised Quantext Portfolio Planner (QPP) … [Read More...]