100 Level

Lost My Spouse – Part III

Determine your long-term cash flow. How much monthly income is required?  Will income from pension and social security meet the cash flow requirements or is additional money required from the portfolio?  For most single retired individuals, some income is required from the portfolio.  My recommendation is to pull no more than 4% annually from the portfolio.  The lower the … [Read More...]

Sample Portfolio Submitted For Evaluation

The following portfolio was submitted by a client for analysis.  Here are a few items to keep in mind.  1) I limited the analysis to 43 months as STPZ does not have a five-year record. 2) The S&P 500 is assumed to grow at 6%, or a lower figure than I normally use.  The market is high, and QPP tends to put a positive spin on future growth.  This assumption lowers the projected growth of the … [Read More...]

300 Level

TLH Spreadsheet: Rebalancing Addition

A new feature has been added to the TLH spreadsheet and one will find it on the Dashboard worksheet.  So far, I only have it available in the Bohr spreadsheet.  This is what it looks like and the idea is to give the user additional help in knowing how many shares to purchase to bring the portfolio back into balance.  In column J we find the different asset classes available for the … [Read More...]

Euclid Portfolio Update: 27 August 2013

Yesterday I posted the Dashboard for the Euclid, one of three portfolios where all the detailed transactions are not available to Platinum members.  However, there is still a lot of useful information as I go through these updates.  This morning I will first look at the efficient frontier graph to see how well the Euclid assets are positioned with respect to the optimized portfolio recommended for … [Read More...]

200 Level

Portfolio Performance: 7 October 2011

While the past week was positive for all the portfolios on an absolute scale, large-cap stocks continued to perform better than globally diversified portfolios.  Therefore, portfolios tracked by the TLH Spreadsheet either remained even or lost a little ground to the VTSMX benchmark.  Tough times in Europe are not helping ETFs such as VEU or emerging markets, VWO. The following data … [Read More...]

Constructing Your First Portfolio

Faced with the task of building a portfolio from scratch, what are the first steps?  Assume one saved a bit of money, read a few of the Top Ten Investment Books, and is convinced of the wisdom of index investing. Read the following questions and answer them as best you can.  Don't be fearful of making a mistake or feel these decisions cannot be reversed.  Not only can you change them, I … [Read More...]

400 Level

Bullish Percent Indicators: Weekly Update

The offensive is in control of all sectors and major indexes.  Only two sectors, Materials and Utilities, showed reduction in the number of companies exhibiting bullish Point and Figure (PnF) graphs. Platinum membership available for a mere $5 per month.  Learn portfolio management. … [Read More...]

Feynman Portfolio Study – Part 1

This first Part of the Study identifies the 10 Asset Groups and 18 individual EFTs that comprise the Feynman Portfolio and looks at the general market behavior, as defined by the Vanguard Total Stock Market Fund (VTSMX), over the 6 year period from 06/29/2007 to 06/30/2003.  The VTSMX will be used as the reference, or benchmark, for comparison of portfolio performance through each future phase of … [Read More...]