100 Level

Retirement: Are You Ready Financially?

What is all this investing discussion about other than to prepare for the financial aspects of retirement.  I am already in that stage of life, but this blog is written for those a long way from retirement as well as for retirees.  If I had my druthers, I would prefer to capture very young investors to this blog as time is crucial to successful retirement planning. When I gave … [Read More...]

Lost My Spouse – Part II

Now that you know where the investment records are kept and all the security information is identified, what do you do now?  If the portfolio is set up as recommended on this blog, you will not need to do anything for at least a year.  At a time of loss, investment decisions are not something anyone wants to confront. Examine the table below and familiarize yourself with the different … [Read More...]

300 Level

Preparing a New Portfolio for a Customized Benchmark

Within the TLH Spreadsheet is the capability to develop a customized benchmark for any portfolio that uses any combination of the 17 asset classes found in this blog post. If you are new to ITA Wealth Management, note that we pay a lot of attention to asset allocation, even though it has recently fallen out of favor, particularly since the 2008 market crash.  Why build a customized … [Read More...]

Schrodinger Portfolio Update: 26 April 2012

Looking for a passive portfolio?  Look no further than the Schrodinger.  In operation since late 2000, this portfolio had only two rebalancing purchases over the past year.  Otherwise, no transactions other than cash dividend payouts.  ETFs purchased when the fund was launched are still part of the portfolio.  How is that for stability. In the following screen shot, I am … [Read More...]

200 Level

Steady As She Goes With The Schrodinger

Investors looking for a well-diversified no-nonsense portfolio need look no further than the Schrodinger Portfolio.  This passively operated portfolio was launched in late 2000 so it has been operational during the "lost decade."  The Sortino Ratio for the Schrodinger is a very high 10.4 and the yield is a respectable 2.3%.  Readers will note the strong tilt toward … [Read More...]

Portfolio Performance: 12 November 2010

Portfolio Performance Data Table Not only did many of the portfolios lose ground, as measured by IRR, most also showed a decline in the Sortino and Retirement Ratios. This again demonstrates just how difficult it is to outperform a broad market index such as Vanguard's VTSMX fund. Below is the table of performance. Overall, we are still doing quite well in meeting our goals, but it has been a … [Read More...]

400 Level

Retirement Planning: Stress Testing a Simple 5 ETF Portfolio

As mentioned in a recent post, stress testing the portfolio is one useful method of checking to see if there will be sufficient funds available to comfortably retire.  In this QPP analysis of a simple five ETF portfolio we will make some initial assumptions that will vary from investor to investor. Assume this investor is 50 and plans to retire at age 67.  The current portfolio is … [Read More...]

Bullish Percent Indicators Update: 7 September 2012

Despite the strong market today, several sectors and one index handed the ball over to the defense.  Check the tables to see which areas of the market moved from X's in the right-hand column over to O's. … [Read More...]