100 Level

Index Freeloaders

Take a few minutes to read and smile while reading this article about freeloading index investors.  As passive investors, we need to be grateful for active investors. … [Read More...]

Are Taxes Too Low?

  A few years ago the Oregonian carried this interesting article where author David Sirota posits the low tax rate may be extending the Great Recession. I find it interesting that folks who will not find their tax rate change one percentage point will support lower taxes for the top tier of earners, thus having a negative impact on their own lives.  This is a classic example of the … [Read More...]

300 Level

“Holy Cow” Portfolio

This is the first look at a very interesting portfolio.  In fact, using QPP analysis, it is one of the best I've seen since I started using Considine's software.  This is only the first iteration as I've tested a few combinations that show even better projections.  I'll let Platinum readers chew on this portfolio over the weekend.  Shoot holes in … [Read More...]

Schrodinger Portfolio Update

No changes occurred within the Schrodinger this last month other than payment of a few dividends.  This is the boring, passively managed portfolio that has been in operation since late 2000.  Platinum readers can see this is a growth oriented portfolio with only 15% allocated to the bond and income asset class.  We do derive income from our REITs holdings, both domestic and … [Read More...]

200 Level

Playing Defense With The “Holy Grail” Portfolio

While there is no such thing as a "Holy Grail" portfolio, humor me for a few minutes and think of this simple seven ETF portfolio as a sound basic portfolio. The purpose of this post is to test how one might play portfolio defense and when is such a move necessary.  First, we take a look at the current QPP analysis for this seven ETF portfolio. Platinum membership is available for … [Read More...]

Portfolio Performance Update: 24 February 2012

What a dull market this week.  Several of the portfolios experienced no changes across the board.  In many cases the Internal Rate of Return (IRR) values dropped 0.1% point on an absolute scale.  When measured against the ITA Index, four portfolios remained the same, five lost a small percentage and two gained a small percentage.  Small changes occurred with respect to the IRR … [Read More...]

400 Level

Delta Factor: Second Draft

Below is the second draft of additional Delta Factor calculations.  As one can see from this table, the trends or signals arrive early.  I'm still not satisfied with the algorithm used to generate the Buy, Hold, and Sell signals for these ETFs. Note the dramatic shift between 9/15/2008 and 10/15/2008.  When I see something like this I recheck my figures. … [Read More...]

Fiscal Cliff: Time to Activate ITARR Model

We hear a lot about the coming "fiscal cliff."  If Congress does not act before taxes increase and spending cuts go into effect at the beginning of 2013, the country could go into another recession.  Rather than panic, now is the time to pay close attention to each major holding in your portfolio(s).  Instead of limiting the ITA Risk Reduction model to five portfolios, I plan to expand the number, … [Read More...]