100 Level

The Do-It-Yourself Decision

Do you manage your own money or do you seek help from a professional advisor?  Authors Goldie and Murray tilt toward professional management.  They recommend investors who are ill equipped or not interested in managing their own portfolio to use a fee-only advisor rather than a broker. "A broker is working for his firm. An independent fee-only advisor is working for … [Read More...]

Dinner Music: Romantic Saxophone Quintet

If you are looking for soft saxophone dinner music, this inexpensive CD is one for serious consideration.  I'm using several cuts in a few slide shows, one of a new wedding and another of a 50th wedding anniversary.  This music spans the ages.  Several of my favorites are:  Killing Me Softly with His Song, The First Time Ever I Saw Your Face, and Endless Love. There are no lyrics to distract so … [Read More...]

300 Level

Conservative Portfolio

Below is the QPP analysis of a portfolio suggested by an ITA reader. The portfolio is made up from a wide array of index funds and ETFs.  The projected return of 4.44% immediately indicates this is a conservative portfolio as it is projected to return 2.6% below that projected for the S&P 500.  The projected standard deviation is also low at 8.1%, and the Risk/Volatility ratio at … [Read More...]

Schrodinger Review: 15 August 2011

Little has changed within the Schrodinger Portfolio since the last update.  Most of the asset classes are in balance as one can see from the Dashboard below.  The small amount of cash available will likely be invested in international markets. … [Read More...]

200 Level

Portfolio Performance Update: 29 March 2013

Nearly a month passed since the last portfolio performance update.  Most of the portfolios did not change more than 10 to 20 basis points since the last update.  The VTSMX benchmark continued to move up leaving behind the performance of every portfolio.  In other words, diversification continues to be a negative when one is comparing portfolio performance with the VTSMX or total U.S. Equities … [Read More...]

Retirement Portfolio: What Are The Essential Asset Classes To Include?

A request came in from an ITA reader to put together a retirement portfolio that does not need to produce income since social security and a pension will cover those needs.  In other words, what should the retirement portfolio plan look like?  The first guideline is that this portfolio not include any individual stocks as that lays on an additional level of analysis.  I suspect most investors who … [Read More...]

400 Level

Risk Management: Benefits of the ITA Risk Reduction Model

Platinum members who employ the ITA Risk Reduction model will find the following guidelines of interest.  When your portfolio comes up for review, and I recommend using a 32-Day review period, run through a number of steps.  Before I get to the steps, here are the reasons for selecting the 32-Day interval. It slowly rotates the review through the month rather than always having it occur at the … [Read More...]

“Delta Factor” Update for Bonds

It has been several weeks since I posted information on the "Delta Factor" for bonds.  I don't pay a lot of serious attention to this information, but I do observe the projections to see if there are elements of interest.  In this post, Vale Capital II (CJS) stands out as a possibility.  I'm not familiar with CJS.  I recall a reader of this blog asked that … [Read More...]