Grandchildren: Cut Credit Card Debt

Photograph: University of Glasgow in Scotland

Grandchild suggestion #2 is another form of suggestion #1.  Avoid credit card debt.  Pay off the credit card debt every month. It makes no sense to be paying out interest in excess of 10% while investments are returning less than that percentage. Getting into credit card debt is a financial tar pit.  Stay out.

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Portfolio Performance Update

With the significant drop on Thursday of this week, I wanted to see how the various portfolios survived the 3/10 downdraft.  Below is the performance data table, and for the most part, the various portfolios held up quite well.  The IRR values for the portfolios updated through 3/10/11 are conservative for several reasons.  The March dividends are missing from many of the portfolios.  I applied Tactical Asset Allocation to a number of portfolios and all those money saving transfers are not recorded.

SR = Sortino Ratio and RR = Retirement Ratio.

 

Portfolio Performance - 03/10/2011

Portfolio Last Update Launch Date Tracking Tool Port. IRR ITA Index Diff Port. vs. ITA Index VTSMX IRR Diff. Port. vs. VTSMX Index IR SR RR
AA-Mosaic 02/28/2011 07/21/1999 Captool 2.82% NA NA 1.29% 1.53% 0.05 NA NA
Curie 03/10/2011 12/26/2007 TLH SS 5.3% -0.4% 5.7% 1.8% 3.6% NA 4.9 10.3
Mosaic2 02/28/2011 07/19/1999 Captool 5.13% NA NA 1.31% 3.82% 0.15 NA NA
Newton 03/10/2011 06/02/2008 TLH SS 9.9% 13.3% -3.4% 8.5% 1.4% NA 1.2 1.2
Passive Port. 02/28/2011 12/01/2000 Captool 5.38% NA NA 3.3% 2.08% 0.70 NA NA
Schrodinger 03/10/2011 12/01/2000 TLH SS 5.2% 5.2% 0.07% 3.3% 1.8% NA 3.3 3.3
Jane 02/28/2011 02/14/1997 Captool 9.31% NA NA 4.88% 4.33% 0.54 NA NA
Einstein 03/10/2011 06/30/2008 TLH SS 14.8% 18.4% -3.6% 12.5% 2.4% NA 2.0 2.0
Gauss 02/28/2011 02/19/1997 Captool 9.49% NA NA 4.65% 4.84% 0.22 NA NA
Kepler 03/10/2011 11/01/2008 TLH SS 20.1% 23.2% -3.0% 21.5% -1.4% NA -0.2 -0.2
Scrappy 02/28/2011 08/14/2008 Captool 13.74% NA NA 6.2% 7.54% NA NA NA
Bohr 03/10/2011 08/14/2008 TLH SS 12.9% 13.7% -0.8% 6.7% 6.2% NA 0.7 0.7
Kenilworth 03/10/2011 08/18/2010 TLH SS 20.9% 30.1% -9.2% 41.2% -20.3% NA -0.1* -0.1*
Projects 02/28/2011 12/01/2000 Captool 5.82% NA NA 0.02% 5.80% 1.32 NA NA
Washington 02/28/2011 06/18/1999 Captool 3.21% NA NA -0.18% 3.39% 0.28 NA NA
Maxwell 03/10/2011 12/25/2000 TLH SS 0.8% 8.8% -8.0% 4.8% -4.0% NA -0.2 -0.2
Adams 02/28/2011 06/18/1999 Captool 3.58% NA NA -0.18% 3.76% 0.71 NA NA
Euclid 03/10/2011 06/30/1999 TLH SS 1.5% 9.4% -7.9% 4.9% -3.4% NA -0.2 -0.2
Jefferson 02/28/2011 03/13/2008 Captool 6.16% NA NA -3.13% 9.29% NA NA NA
Madison 03/10/2011 03/13/2008 TLH SS 5.6% 4.5% 1.1% 11.0% -5.4% NA -0.3 -0.3