100 Level

Grandchildren: Live Below Your Means

  If you have been reading my Grandchildren suggestions, you will note thus far all come under the general category of discipline.  Learn to live a disciplined life and suggestion number three (3) is no different.  Live below your means.  Income must exceed outflow. Spend less than you earn and "spend" on your retirement fund. Defer immediate gratification. I recall … [Read More...]

Customized Benchmark: What Is Required To Calculate The ITA Index?

Long-time readers know the importance of benchmarking a portfolio, but some investors may not know what is required to calculate the ITA Index.  Understanding how to use the TLH Spreadsheet is at the core of calculating the ITA Index.  Assume you are constructing a portfolio using sixteen different classes.  Here is a list similar to what I use in nearly every portfolio.  I've included the … [Read More...]

300 Level

TLH Spreadsheet: Why It Is Useful For Serious Investors

Platinum members new to ITA Wealth Management should not overlook the power of the TLH Spreadsheet.  Successful investing is all about portfolio planning, construction, and monitoring.  The TLH Spreadsheet is an aid in all three categories.  Here are several benefits investors derive when using this portfolio tracking spreadsheet. 1. Construction and ease of tracking Strategic Asset Allocation … [Read More...]

Keeping It Simple With An Global Nine ETF Portfolio

A portfolio does not need to be complicated to be global in its structure.  Nor does it need to be all that complex to bring success to the investor.  The following portfolio is simple and stands a greater chance of success if one employs the Momentum-Optimization Model (MOM) as explained below. This material is not available for publication elsewhere on the Internet. … [Read More...]

200 Level

Keeping Portfolios Simple

Three Sample Portfolios Complicated portfolios discourage investors and that is why I am attempting to simplify the portfolios tracked here at ITA Wealth Management.  There are many examples of possible portfolios in the literature, particularly in books by Faber-Richardson, Swensen, and Bernstein.  Let's start with one of the simple portfolios laid out by David Swensen. While Swensen does not … [Read More...]

Basic Financial Principles To Consider When Building A Portfolio

Basic financial principles to consider when building a portfolio include the following. Diversity across global markets Orientation toward equity or growth Inflation protection Low correlated assets Diversity across global markets will include both developed international markets and emerging markets.  To provide the necessary growth for retirement, the portfolio will need … [Read More...]

400 Level

Top Core Stocks Analyzed Using QPP Plus Delta Factor Projections

Seeking top core stocks from investors who participate in the Growth Forum, the following analysis shows portfolio projections, the correlations within the portfolio, and the "Delta Stock" projections. QPP Analysis:  Nearly equal percentages are assigned to each stock.  The analysis spans five years and the S&P 500 is projected to grow 7.0% per year over the next few years.  Readers … [Read More...]

U.S. Equities Is The Place To Be Invested

It has been many weeks since I ran a screen on international markets, particularly individual countries.  I have approximately 40 countries on my list and since it takes the Hoadley optimizer a long time to run such a large number of securities I broke them up into two groups.  In both runs, VTI ranks at the very top.  Here is an example. … [Read More...]