Table of Contents

Holdings
- Individual Stocks
  - Random Currently Owned
- Vanguard Roth IRA
Methodologies
Notes
Mom

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