100 Level

Government Shutdown: What Should Investors Do?

There are a significant number of congressional members, particularly within the U.S. House of Representatives, that seem Hades bent on closing down the government over the coming budget crisis.  It matters little that many of these same members voted numerous times to raise the debt limit under the Bush Administration.  Regardless of the politics, what defensive positions are available to … [Read More...]

Establishing An Investment Philosophy

Before buying a stock, mutual fund, ETF, or any other investment, it is best to think through what you want your portfolio to accomplish.  For most savers, the portfolio is expect to grow in size and eventually throw off sufficient income to see one through their retirement years and perhaps pass something on to children and a favorite charity.  Exactly what is my investment … [Read More...]

300 Level

Sixteen Dividend Stocks

Platinum members interested in selecting individual stocks will be interested in this list of dividend oriented companies. In the first screen shot we have the screens applied to over 9800 stocks.  From this group we extract only sixteen.  Those companies are shown in the second screen.   Several of the sixteen stocks that make this "dividend" cut are part of the … [Read More...]

Portfolio Management and ITA Index

Yesterday I mentioned in a comment and posted in the center footer that the distributions for the VTSMX and VFINX index funds are available.  If you are using the TLH Spreadsheet and received a warning signal behind the two radio buttons on the primary (frequently called Mosaic) worksheet, you need to update the distribution page.  I don't think I have a Camtasia audio/video clip of … [Read More...]

200 Level

Portfolio Performance Data: 22 July 2011

How did your portfolio perform this last week?  Did you gain in absolute terms but lose the relative race?  Well, that is what happened to most of the portfolios tracked using the TLH Spreadsheet.  We lost most of the ground gained last week when examining the VTSMX and ITA Index benchmarks.  Nearly all the portfolios showed a decline in both the Sortinio and Retirement … [Read More...]

Rule #7: Don’t Dip Into Your Retirement Savings Until Necessary

Eventually you will be spending your retirement, but don't withdraw funds before retiring.  This is a mistake all too many workers make without realizing the damage it does to their retirement fund.  When corporations moved from pension plans over to 401(k) plans, they shifted the savings burden from their companies over to their workers.  According to Hedrick Smith, Who Stole the American Dream, … [Read More...]

400 Level

SORDEX Ratio: Will I Run Out of Money?

Stress Testing the 12-ETF Portfolio What in the world is the Moshe Milevsky SORDEX Ratio? SORDEX is an acronym for Sequence-of-Returns Downside Exposure. Translated for T. C. PITS or The Common Person In The Street, it is a way to run several Monte Carlo calculations and see if you are likely to run out of money in retirement. If that is confusing, let me try to explain in great detail … [Read More...]

Bullish Percent Indicators Show Markets Continue to Weaken

Bullish Percent Indicators (BPI) provide us with a broad look at large index and sector movements for the U.S. Equities market.  While I do not use either the index or sector tables as trading tools, I do watch them for general market trends and as guides to determing when the market is over bought or over sold.  Right now the market is over bought and weakening. Index BPI:  One significant … [Read More...]