====== Holdings ======


===== Individual Stocks =====
==== Random Currently Owned ====
  * Evaluate and decide to keep buying shares

===== Vanguard Roth IRA =====
  * 2012: $5,000
  * 2013: $5,500
  * Split between:
    * FTSE All-World ex-US Inv (VFWIX)
    * Total Stock Mkt Idx Inv (VTSMX)
  * Leans more towards VTSMX



====== Methodologies ======

==== Value Averaging ====
  * Vanguard Small Cap ETF (VB)
  * 3% quarterly growth goal
  * IJR, VTI are alternatives (VTI less agressive)
  * Buy up to 3% on loss, sell down to 3% on gain
  * Feb 1st, May 1st, Aug 1st, Nov 1st
  * Start with $5,000

==== Leveraging a MidCap ====
  * MVV or UMPIX - MidCap 600 ETFs
  * Higher highs lower lows (leveraged)
  * Monitor through SMA, MACD and RSI

==== Doubling the Dow ====
  * Leveraged on the back end
  * Don't need a margin account
  * Risk of loss is limited to 100% (margin can be greater than initial)
  * Gains are pumped, but so are losses
  * DDM and UDPIX ETFs

==== jlcollinsnh.com ====
  * VTSAX - Total Stock Market Index Fund
    * Put all your money in here and forget about it
  * VBTLX - Bonds Index, deflation hedge
  * VGSLX - REIT Index, inflation hedge, dividend income
  * VMMXX - Cash, though low interest rate, look at ING Bank

==== Asset Allocation ====
  * http://www.mrmoneymustache.com/2012/02/17/book-review-the-intelligent-asset-allocator/
  * Throw 25% of portfolio into
    * VFINX - US Large-Cap (measured by S&P 500 index)
    * VB - US Small-Cap (Russell 2000 index)
    * VDMIX - Foreign Stocks (Euro/Aus/Far-East index, known as EAFE)
    * VBISX - US Short-Term bonds
  * Once a year, rebalance to 25% (sell the highs to buy the lows)
  * VBINX does this reallocation automatically by maintaining 60/40 split of stocks/bonds

==== Mutual Funds ====

=== Portfolio21 ===
  * [[http://portfolio21.com/]]
  * Responsible investing, lower return
  * Maybe put $10k in this, let it sit
  * Or start with the minimum and add periodically up to $10k
  * HQ in Portland



====== Notes ======
  * "Dividend Aristocrats" - High Yield Dividend ETFs (VIG)
  * VTSMX/VTSAX (Mutual Indexes) are the same underlying index except
    * VTSAX has a $10k minimum purchase, VTSMX is $3k
    * VTSAX has a lower expense ratio (0.05%) than VTSMX (0.17%)
  * VTI is same as VTSAX, only an ETF (freely traded on Vanguard)
  * Verify that ETFs are better due to taxes
  * Why buy Mutual Funds?  Vanguard lets you convert MFs to ETFs (but not back)

====== Mom ======
  * A mix of Asset Allocation and Dividends
  * Verify strategy against Suzie Orman recommendations, especially bonds
  * Strategy
    * 25% VBINX 60/40 stock/bond split
    * 25% VB
    * 25% VIG
    * 25% VNQ
  * Possibly make the bond ratio smaller.  Split the 25% VBINX into 80/20 VFINX/VBISX.
  * Possibly add EAFE