100 Level

How To Invest Simply

  Investing Made Simple Here are a few simple suggestion to get investors off on the right foot.  These suggestions apply to experienced as well as beginning investors. Save more than you think you will need. Build the portfolio around index funds or index ETFs. Learn what it means to rebalance a portfolio. Monitor the Internal Rate of Return (IRR) of the portfolio and … [Read More...]

Professionally Managed Portfolio vs. Self-Managed Portfolio

Managed Index vs. Self-Managed Portfolio   The following material is not available for publication elsewhere on the Internet. I suspect many of us consider finding a good financial advisor to manage our portfolios so we have one less chore to attend to.  Others get enjoyment managing their assets.  I’m trying to manage my portfolio so my spouse, who takes no interest in … [Read More...]

300 Level

Spreadsheets Available

A unique feature of the ITA Wealth Management blog is access to the TLH spreadsheets.  This morning I uploaded the latest version for the seven portfolios tracked and made available to Platinum members.  To gain access to these spreadsheets, go over to the right-hand edge of this page and scroll down till you see TLH Spreadsheets.  The link is just below Interesting Sites. Platinum … [Read More...]

Managing Portfolio Uncertainty: How Does It Work?

In an effort to improve performance results and reduce portfolio volatility, a Tactical Asset Allocation (TAA) plan has been activated for both the Maxwell and Euclid portfolios.  Checking the latest Portfolio Performance data table, we see these two portfolios are trailing the VTSMX benchmark, an unacceptable condition.  Keep in mind this is an extreme strategy, but it is based on … [Read More...]

200 Level

Portfolio Performance Data: 2/16/11

Portfolio Performance Data Table When looking over the following data table, note when the portfolios were last updated as not all are current as of 2/16/11.  Portfolios tracked by Captool are only updated at the end of the month. As one looks down column 7 or the column of data measuring the difference between the IRR value for the portfolio and the IRR measurement for the ITA Index, one … [Read More...]

Cut the Fees

Fees matter!  Read this blog post by Geoff Considine and you will see why I am a nut when it comes to reducing fees.  They make a huge difference over a lifetime of investing.  When I began this investment journey many years ago, it was not unusual for mutual funds to charge an 8.5% load fee on all new money going into the fund.  What a scam. Usury is a better term.  Even … [Read More...]

400 Level

Risk Reduction Model Check

Readers using the ITA Risk Reduction Model with one or more portfolios, keep a check on the key eight asset classes.  The ETFs I use are as follows:  VTI, IWN, VEU, VWO, VNQ, RWX, DBC, and PCY.  All are commission free ETFs for TDAmeritrade customers. … [Read More...]

QPP Analysis of Suggested ETFs

In the following analysis I show the make up of the suggested tickers.  VSS and MLPI did not have three-year records so I cut them from the list.  In the first slide I show the makeup of the portfolio using nearly equal percentages for each ETF.  In the second slide I show the "Delta Factor" projections using a four-year time span.  The third slide shows the … [Read More...]