100 Level

The Nine Rules of Investing from “Millionaire Teacher”

Another new book worth reading is Andrew Hallam's Millionaire Teacher.  The book is built around the following nine rules of investing.  I add my brief summary of each chapter. Rule 1:  Spend Like You Want to Grow Rich This chapter provides a glimpse into how Hallam turned down the screws of living and saved and saved and saved.  His personal experiences are classic … [Read More...]

The Bogleheads’ Guide to Investing

Bogleheads' Guide to Investing was missed by far too many ITA readers when first published back on July 21, 2010 and for that reason I am bringing it forward so newer members will pick it up.  Another investing book that should rank high on your reading list is "The Bogleheads' Guide to Investing," written by Taylor Larimore, Mel Lindauer, and Michael LeBoeuf.  I … [Read More...]

300 Level

QPP of Aggressive Portfolio

Back on January 18, 2012 I posted a table showing asset allocation plans that ranged from low risk to very aggressive portfolios.  At that time I posted a Quantext Portfolio Planner (QPP) analysis of the low medium-risk portfolio.  A Platinum member requested a similar QPP analysis of the high risk or aggressive portfolio.  Below is the analysis. QPP Analysis of High Risk Portfolio:  The … [Read More...]

Return/Risk Optimization of Harry Browne’s “Permanent Portfolio”

The "Permanent Portfolio" developed by Harry Brown leaves quite a bit to be desired when one optimizes for the highest Return/Risk ratio.  The four ETFs selected for stocks, bonds, gold, and cash are VTI, BIV, GTU, and SHY respectively.  There are other choices to represent these asset classes, but these four are the ones I selected for this analysis. … [Read More...]

200 Level

Portfolio Performance Data for June 16, 2011

Asset Allocation Is Working The good news is that all eleven portfolio tracked using the TLH spreadsheet demonstrated the power of asset allocation by performing better than the VTSMX benchmark.  In almost every case, the Internal Rate of Return (IRR) for the portfolio also showed improvement when measured against the ITA Index. While the IRR for the portfolio and IRR for the ITA Index … [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

Tactical Plan for Maxwell & Euclid Portfolios

As mentioned in an earlier post, I need to set out a plan of action so as to pull the IRR values of both the Maxwell and Euclid portfolios ahead of the IRR for the VTSMX benchmark.  Both portfolios are lagging, in part due to inattention and carrying too much cash.  The follow approach is designed to turn this around. This material is not available for Seeking Alpha. … [Read More...]

International “Delta Factor” Projections

Responding to a request to show the "Delta Factor" projections for international ETFs, here we have a much more interesting set of results.  As the reference for DF projections, I use EFA, the international iShares ETF. The following material is not available for publication elsewhere on the Internet. … [Read More...]