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investments

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

  • 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

  • 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
investments.txt · Last modified: 2014/06/24 05:40 (external edit)