100 Level

Aggressive Growth: Portfolio #6

The Aggressive Growth Portfolio is the last in this series of sample portfolios.  We moved from the Ultra Capital Preservation where bonds and income ETFs made up the majority of the portfolio to this example where the bond asset class is peeled down to a mere 6% of the total portfolio. Platinum membership available for a low $5.00 per month.  This last sample portfolio in the … [Read More...]

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...]

300 Level

Einstein Portfolio Update: 30 October 2012

If you compare the performance numbers in this blog post with the prior performance data table, you might find slight differences in the Einstein as the performance table did not include recent purchases of the commodities, DBC or a number of dividends.  Some time ago I sold off DJP as I am no longer a fan of ETNs, a slightly different animal than ETFs.  Platinum members will find the Einstein … [Read More...]

Updating The Curie Portfolio: 23 July 2012

Updating the Curie Portfolio is upon us again.  Even though the Curie is not one of the five ITARR experimental portfolios, I am using a modified Tactical Asset Allocation version of the risk reduction model and that is why developed international markets and emerging markets are both under target.  The Dashboard, extracted from the TLH Spreadsheet, clearly shows where we are with … [Read More...]

200 Level

Portfolio Performance: 12/3

Below is the first draft of the 12/3/2010 portfolio performance. First draft in that not all the November or December dividends are included for all the portfolios. Most of the portfolios are hanging on to leads over the VTSMX. Perhaps of more importance are the positive values showing up for the Sortino and Retirement Ratios.   [Table=49] * Insufficient data. Platinum memberships are … [Read More...]

Retirement Analysis: What Must Be Done To Avoid Retirement Poverty

As promised, here is the Quantext Portfolio Planner (QPP) retirement analysis using the Kenilworth Portfolio as an example.  The first screen shot shows the assumptions involved in the analysis.  The second slide is familiar to Platinum readers as it lays out the investments and percentage in each.  The third slide is the scary one as it presents the grim details or the … [Read More...]

400 Level

ITARR Using Current Data

Platinum readers following the ITA Risk Reduction (ITARR) model will note that all key ETFs are currently flying beneath their 195-Day Exponential Moving Averages.  At the end of the month we will take a look at all positions to see what moves to make in early December.  Don't be surprised to see a rebound tomorrow. If new readers are unfamiliar with the ITARR model, search the term … [Read More...]

Retirement Ratio: Building a Higher Standard

The Ultimate Return/Uncertainty Ratio Built into every TLH spreadsheet is the "Retirement Ratio," a look-alike of the Sortino Ratio (SR).  Readers can read about this Return/Uncertainty ratio over on Seeking Alpha.  Inside the Sortino Ratio is a trademark term, Desired Target Return™, a percentage determined by the investor.  In the Retirement Ratio we use Portfolio … [Read More...]