100 Level

Retirement Planning Mistakes: Mistake #1

Mistake number one in my book is failure to save or to not follow The Golden Rule of Investing.  Open up a spreadsheet and run your own calculations for the following classic comparison. As a nineteen year old you have the foresight and financial opportunity to save $2,000 per year for eight years.  After saving $16,000, for some reason you stop. This $16,000 investment manages to earn the … [Read More...]

QPP Projections: 2007 – 2010

Readers following the comments section of this blog, you will note that Bob W. offered to send me a spreadsheet of Quantext Portfolio Planner (QPP) projections of a portfolio I presented recently.  Below is a screen shot of Bob's spreadsheet. Register as a Guest to see the worksheet. … [Read More...]

300 Level

Market Conditions of Concern

Market Worries Two days ago I wrote a piece on Technical Analysis and how the market is overbought.  This morning I ran into a related column and the reference is provided below.  The concern is tied to mounting oil prices.  Not addressed in the article is the assault on jobs at the state level.  If the the widespread cuts continue, Ben Bernanke predicts future growth could … [Read More...]

Portfolio Activity

Photograph: Cafe in Dublin, Ireland Einstein Portfolio Changes Shares of VOE were sold from the Einstein Portfolio in an effort to bring the Mid-Cap Value asset class into balance.  As you can see from the Dashboard worksheet below, this asset class is still over target, even with the Threshold set at 30%.  Normally, if one were adding significant amounts to the portfolio each month, … [Read More...]

200 Level

Annuities: Are They For You?

To read this article over on Seeking Alpha, go to this site.  There are links available you will not find in the posting below. … [Read More...]

Portfolio Performance: 20 May 2011

While nearly every updated portfolio lost a little ground in absolute terms, all gained when compared to either the customized ITA Index, the Vanguard Total Market Index Fund (VTSMX), or one of the two uncertainty or risk ratios.  Absolute terms means that the Internal Rate of Return (IRR) of the portfolio declined.  While this is important, the relative measurements are more significant … [Read More...]

400 Level

Bullish Percent Indicators Take Hit

As projected for a number of weeks, the market finally took a breather and retraced this past week.  The evidence is clear when one examines the index and sector tables. Index BPIs:  We find every index below the 70% line or what we think of as an overbought condition.  While we are not rooting for the market to decline, we are well aware that it cannot maintain those lofty heights for an … [Read More...]

Bullish Percent Indicator Update

In the Bullish Percent Indicator data table below, I want to draw your attention to several features.  1) Look at the latest data in the 06/01/12 row.  The left-hand number, 46.62, is the most important as that indicates the percent of stocks in the NYSE that are generating a bullish PnF graph. [Next time I will include the headers or titles in the screen shot.]  That percent … [Read More...]