100 Level

It All Begins With Saving

Any book, blog, manuscript, or discussion related to investing starts with saving.  Apply "The Golden Rule of Investing."  Simply stated, save as much as you can as early as you can.  Begin saving as early in life as possible.  When teaching young folks the importance of the Golden Rule, I presented them with a simple spreadsheet.  Here are the essential … [Read More...]

Rule #8 of Investing

Put off paying taxes until a later date is Rule #8. Permit your savings to grow tax deferred through your working life. If your employer will match savings in a 401 (k) or 403 (b) plan, do not leave any dollars on the table. For every dollar placed in a savings account, match that amount with every dollar you can muster. It is amazing how many workers do not take advantage of retirement plans set … [Read More...]

300 Level

Bohr Portfolio Update

If you are looking for a portfolio that needs attention, look no further than the Dashboard of the Bohr Portfolio as presented below.  Asset classes coded with the purplish color are all under target while the red are above target.  To rectify these issues and bring the portfolio back into balance, I have a number of limit orders in place.  As the market continues to rise, the … [Read More...]

Kepler Portfolio Review: 24 June 2013

Platinum members tracking the Kepler Portfolio will want to take special note of the coming changes in the allocation of assets in this portfolio.  While the Kepler was not one of the original five ITA Risk Reduction (ITARR) portfolios, I am going to activate the Momentum-Optimization Model with this portfolio due to the early success with other portfolios following the MOM model. Efficient … [Read More...]

200 Level

Smartest Low-Medium Risk Portfolio

With this low-medium risk portfolio we move up one notch in aggressiveness. This is still a very conservative portfolio with 60% committed to the bond/income asset class. Moving from 80% in bonds down to 60% brings about an increase in both projected return and projected uncertainty.  The Return/Uncertainty ratio is still a respectable 0.62. Platinum membership is available for a low $5.00 … [Read More...]

Developing a Portfolio Plan

Basic Suggestions in Portfolio Development* In the beginning stages of setting up a portfolio plan, there are a few essential decisions investors make. Here are a few hints to consider. Follow "The Golden Rule of Investing." Save as much as you can as early as you can. Develop a savings plan as there is no avoiding this step. Live below your means.  Learn … [Read More...]

400 Level

Curie Portfolio Review: 29 November 2011

These portfolio reviews roll around faster than one might expect and this morning is the time to reexamine the Curie Portfolio. Checking over the Dashboard (worksheet from inside the TLH Spreadsheet) is the first order of business.  Readers will quickly see that this portfolio needs some attention.  I've yet to make a firm decision on whether to continue allocating any percentage to … [Read More...]

“Delta Factor” for Wide Array of ETFs

One reader requested to see what the "Delta Factor" looks like for a wide array of ETFs.  Platinum readers will see the "Delta Factor" for two different periods, three and four years.  If sufficient data were available for these ETFs, I would have displayed a five-year "Delta Factor."  Looking at the two slides below, the time frame selected makes a … [Read More...]