100 Level

Brahms Requiem: CD Recommendation For The Week

  Brahms Requiem is one of my four favorite requiems.  The other three were composed by Mozart, Fauré, and Karl Jenkins.  I'm sure I could come up with a fifth, but these four quickly come to mind.  The link provided happens to be one of the recordings I have, but the one conducted by Robert Shaw is also an excellent alternative.  Before making a purchase, read the reviews.  For many of … [Read More...]

Working With The Basic Portfolio

Eventually I plan to move more of the ITA portfolios toward the following 20 ETFs.  In some portfolios I need to broaden the diversification and in others I need to reduce the number of securities in an effort to simplify.  Reducing cost is another motivation as all but two of the following ETFs can be purchased free if one is a TD Ameritrade client.  The two exceptions are GTU and VHT.  In this … [Read More...]

300 Level

Managing Finances

USA Today carried on the front page of the Money section the percentage of those who would rather manage their own money vs. pay someone to do the job.  Those who want to manage their owe finances is 59% while 41% prefer to pay for management.  Those figures surprised me as I did not think that high a percentage wanted to do the work on their own.  We are here to help that 59%. Of … [Read More...]

Kepler Portfolio Update: 13 August 2012

A few weeks ago I explained the changes that were coming in the Kepler Portfolio.  The following "bloody" Dashboard shows the changes that were put into place.  All the growth asset classes were lowered from 3% to 2%, putting all above target.  The allocation to U.S. Equities was lowered to 30% and those assets helped to increase exposure to domestic real estate.  The … [Read More...]

200 Level

Swensen Six With & Without Stocks

Benefits to Super Charging Portfolio With Stocks Two portfolios are displayed below.  In the first we have a portfolio made up of only six ETFs.  I call this the Swensen Six. To point out some critical features, note the projected average annual return of 7.89% or 7.9% rounded.  This is based in the assumption the S&P 500 will return an average annual return of 7.0%. The … [Read More...]

Portfolio Performance – 1 October 2010

TDAmeritrade came out with the September statements this afternoon so I was able to update many of the portfolios in greater detail that expected. In nearly every case, we made progress either by gaining on the benchmarks or reducing portfolio risk. Only in the case of the Schrodinger Portfolio, where we switched to the ITA Index benchmark for our SR and RR calculations, did we see significant … [Read More...]

400 Level

Examining “Delta Factor” for ETF Equities

Which ETFs show the highest probability of doing well over the next six to twelve months when compared to the VTSMX index fund?  The "Delta Factor" graph shown below provides a few clues. … [Read More...]

Sortino Worksheet: Review of How to Update the Sortino-Retirement Ratio Worksheet

We are in the middle of the month so those who are updating the Sortino Ratio (SR) worksheet inside the TLH Spreadsheet every two weeks will want to make the changes after the market closes today.  … [Read More...]