100 Level

Checking Up On ITARR Indicators

For those investors who are either following or implementing the ITA Risk Reduction (ITARR) model, here are the latest results for the following critical ETFs:  VTI, IWN, VEU, VWO, VNQ, RWX, TIP, TLT, PCY, DBC, and GTU.  Only TLT, DBC, and GTU were priced below their respective 195-Day EMA when checked earlier this morning.  The relative positions can change so here is a link you may wish to … [Read More...]

Where To Invest New Money?

With the markets and individual sectors in over-bought territory, where should one invest new money?  This is not an easy question to answer so I'll just relate what I've been doing. … [Read More...]

300 Level

Kepler Portfolio Review: 29 August 2011

If there is one portfolio that is hitting the sweet spot when it comes to meeting the asset allocation plan, the Kepler Portfolio is the master.  Check out the Dashboard from the TLH Spreadsheet below.  Since this is not a large portfolio, I decided to hold the Threshold to 25%.  Moving the percentage down to 20% would have pushed emerging markets into an underweight position, but I … [Read More...]

Reviewing The Portfolio

Kepler Portfolio Review Monday's calendar tells me it is time for another review of the Kepler Portfolio.  Below is the Dashboard for this portfolio and readers will note nearly all the asset classes are within the target limits.  Those limits are +/- 20% as set by the Threshold inside the TLH Spreadsheet.  Only emerging markets is slightly below target.  If new cash comes … [Read More...]

200 Level

Save Early

Photograph: Florence, Italy There is no better way to prepare for retirement than to save frequently and early.  The operative word is "early."  The Golden Rule of Investing is to "Save as Much as You Can as Early as You Can." William Bernstein, in his book, "Investor's Manifesto" puts it in harsh terms. "Each dollar you do not save at 25 will … [Read More...]

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...]

400 Level

“Delta Factor” for Maxwell & Euclid Portfolios

Initially, the plan is to hold only five equity ETFs in the Maxwell and Euclid portfolios.  Those five are: VTI, VEU, VWO, VNQ, and RWX.  Yes, there will be bond and income ETFs, but the equity investments will be confined to five ETFs - at least at the beginning of this experiment.  At the close of the market on October 4, 2011, what is the "Delta Factor" data telling … [Read More...]

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...]