100 Level

Lost My Spouse – Part III

Determine your long-term cash flow. How much monthly income is required?  Will income from pension and social security meet the cash flow requirements or is additional money required from the portfolio?  For most single retired individuals, some income is required from the portfolio.  My recommendation is to pull no more than 4% annually from the portfolio.  The lower the … [Read More...]

Ten Rules to Follow in Preparation for Retirement

Over the next few days I will lay out ten fundamental ideas or rules that will serve readers well as they prepare for retirement.  I know many of you are already well into retirement and have gone through this process while others are just beginning their investment journey.  For the veterans, you may pick up a few ideas and have others reinforced.  If you have words of wisdom for other readers, … [Read More...]

300 Level

“Creme List” for July 15, 2011

Photograph: 1954 Plymouth Three new stocks broke into the elite list this week and none were eliminated.  This makes the largest number (26) of stocks ever assembled on the "Creme List," if memory serves correctly.  The latest "Creme List" of stocks are located on the far left column of this new database.  Platinum membership available for $5.00 per … [Read More...]

Portfolio Review of Kepler

Update of Kepler Portfolio The following Dashboard screenshot was extracted from the Kepler TLH Spreadsheet.  Note that I am using a 20% Threshold with this portfolio and even with the tighter target limits, all asset classes, with exception of emerging markets, is in balance.  Cash is excluded. No limit orders are currently in place for this portfolio.  Again, I am waiting for … [Read More...]

200 Level

Portfolio Performance – 14 January 2011

  Portfolio Performance Below is the Portfolio Performance data table for this week.  Overall, the seven updated portfolios gained a little ground on the benchmarks as well as the SR and RR return/risk ratios.  In one case, the portfolio pulled ahead of the benchmark, but showed a decline in the SR and RR values.  That event is rather unusual, but it does occur.  … [Read More...]

Asset Allocation Example

In the table below, viewers see the asset classes discussed in a prior blog entry.  We are looking at fifteen asset classes, including Cash. In the second table the sample asset allocation is broken down into percentages and we cut out the Core holding, moving the number of asset classes to twelve. [Table=6] … [Read More...]

400 Level

“Delta Factor” for International Equities

International ETFs Analyzed Seeking Alpha published this article on MIST, the new group of international markets that are poised to perform well according to the article.  What are the projections based on a "Delta Factor" analysis?  The results are shown in the following table. … [Read More...]

ITA Risk Reduction Followers

Early this morning I ran through the primary ETFs used to populate most portfolios and only commodities and gold are in the doghouse.  That is, DBC and GTU are currently priced below their 195-Day Exponential Moving average.  To see what this looks like, here is the link for DBC, our primary commodity holding. Portfolios managed using the ITARR model are out of gold and commodities.  I may hold … [Read More...]