100 Level

Solving Investment Problem #5: It is too late to start saving.

Balderdash!  It is never too late to begin saving for retirement.  Yes, it is preferred to follow "The Golden Rule of Investing" and start saving as early as possible, but it is never to late to begin.  Let me illustrate with a short story. I know of one family that had almost no savings by age 57.  The house was paid in full, but savings for retirement were close to … [Read More...]

Conservative Portfolio

Yesterday, a user of the Quantext Portfolio Planner posted a conservative portfolio made up of some core ETFs and a number of individual stocks. Using slightly different assumptions, the Portfolio Report is shown below and further down the page is the "Delta" worksheet, something I have not posted for weeks. While the projected Return/Risk ratio is low (6.76/8.71), one is not going to … [Read More...]

300 Level

Curie Portfolio Review: 4 April 2012

Another month rolled around for the Curie and here is the update.  One trivial bit of information is that one "shard" stock (Washington Mutual) was replaced with another (WMIH.PK).  I despise these fragments hanging around the portfolio.  This is not an issue when one is dealing with "mainstream" ETFs.  Moving past this nuisance we first take a look at the … [Read More...]

QPP Analysis of Kepler Portfolio

Quantext Portfolio Planning (QPP) is not only useful when initially planning a portfolio, but it is also instructive when a portfolio, such as the Kepler, is up for review.  In preparation for the update coming next week, the following QPP analysis is a precursor of what to expect for the Kepler.  Do note that four ETFs (VSS, IDX, EMB, and PCY) have "short-records" which means … [Read More...]

200 Level

Annuities: Are They For You?

To read this article over on Seeking Alpha, go to this site.  There are links available you will not find in the posting below. … [Read More...]

Portfolio Performance: 4 February 2011

Portfolios tracked using Captool are updated as of 01/31/2011.  I am still behind bringing the TLH spreadsheets up-to-date.  As I enter that material, I will also enter the data in the table below, so refresh the browser screen to make sure you have the latest information.  In almost all cases, we gained ground on the benchmarks and improved the Return/Risk ratios since the last … [Read More...]

400 Level

Momentum-Optimization Model

If you have not checked into ITA for several weeks, you are missing critical information and I hope you will carefully read this blog post as this marks a revision of the ITA Risk Reduction Model.  While I will not take the time to explain every detail in one blog post, readers will see the Optimization-Momentum Model in action over the next weeks and months.  Over time I want to demonstrate how … [Read More...]

Bullish Percent Indicator Data

What we have in the following table is something called, major market Bullish Percent Indicators (BPI).  In this table I only included data from 2012.  Values coded with a red background indicate that the majority of companies are overbought and when the background is green, the majority of companies are oversold.  Nowhere in this table of major markets do we see an oversold … [Read More...]