100 Level

Preparing for 2012

Investing 101 Twenty-two days until we merge into January and begin to make errors writing 2011 instead of 2012 when dating a check.  Spend the next three weeks preparing your portfolio for the new year.  Check the broker statement and see which mutual funds, bonds, stocks, or ETFs need to be sold out of the portfolio in order to capture tax losses.  This assumes you have losses, … [Read More...]

Who Is Responsible For Your Retirement?

With pension plans on the decline, corporations squeezing employees, and unions under attack, individuals will need to take more responsibility for their own retirement programs.  Those are the hard facts.  At one time an individual or a small group of people within a corporation managed the pension plan for a large number of employees.  The employee had few retirement planning … [Read More...]

300 Level

Delta Factor Results From Recommended Stocks

Adding a few recommended stocks to the "Mad Money" group, plus a few more, and Platinum members have the beginnings of some interesting companies.  No recommendations are implied.  I have room for another 15 to 17 before I need to create another list.  ROIC does not have the requisite history, so take that into consideration.  For this QPP analysis I used a 57-month … [Read More...]

Bohr Portfolio Update: 30 January 2012

Today I added shares of VWO and RWX as emerging markets and international REITs were both under target.  Even though the Bohr Portfolio is not part of the ITA Risk Reduction experiment, there is an incentive to fill up asset classes where the current price of the the ETF is above its 195-Day Exponential Moving Average (EMA). … [Read More...]

200 Level

Portfolio #5: Ages 66 – 100

Retirement Portfolio Constructing a portfolio for the retirement years requires one to focus on portfolio risk or uncertainty while not neglecting return. If the portfolio asset allocation plan is too conservative, the return will not meet lifestyle expectations. Inflation is again on the rise and this needs to be taken into consideration when putting together a retirement oriented portfolio. … [Read More...]

Portfolio Performance: 9 September 2011

The first full week in September was a mixed bag.  For starters, the market was down when measured by the VTSMX.  Several portfolios gained ground with respect to the ITA Index, our customized benchmark.  A few portfolio picked up fractions of a percentage point on the VTSMX.  A few also showed stronger Sortino ratios while others declined in value. Below is the performance … [Read More...]

400 Level

Equity ETFs And The “Delta Factor”

Are there any areas of the equity market that look positive for the next six to twelve months?  Even with a relatively strong market this summer, there are pockets of opportunity and they are indicated in the following table. … [Read More...]

Delta Factor: A First Look

Delta Factor: First Draft The question of when to buy or sell an ETF comes up frequently.  I've been working on this problem for a year or more and still do not have a definitive answer.  Perhaps there is no right answer, only one of probabilities.  Below is a data table of my first draft effort to quantize whether or not it is time to Buy, Hold, or Sell the primary ETFs.  … [Read More...]