Portfolio Two Updated July, 2018

Portfolio two is almost 14 years old.  The beneficiary contributed $7000 and the trustee $14,200 for a total of $21,200.  The current balance is $39,012 for a gain of 84% or ~8% / year when adjusted for the timing of cash flows.  You can see the detail here or at the link on the bottom. […]

Basic Investing Plan Updated June 2018

This is an update to my “basic investing plan” to take into account market shifts.  As always do your own research and make your own investing decisions. This is a plan for a reasonably sophisticated investor; the goals include: Diversity among investing classes A few representative investment choices to allow for differing levels of risk […]

Auditors for Major ETF Families

For some individuals who work for large accounting and financial professional service firms, they are not able to purchase shares of stocks in the companies that are audited by the firm.  Since there are essentially only four major worldwide audit / consulting firms (E&Y, Deloitte, KPMG and PWC), you will encounter issues with investing depending […]

Portfolio Two Updated August 2017

Portfolio Two is our second longest lived portfolio.  This portfolio has been converted to ETF’s and a CD.  Beneficiary investment is $6500, trustee investment is $13,000 for a total of $19,500.  Current value is $34,290 for a gain of $14,790 or 76%, which is 7.8% over the life of the fund annualized.  Go here or […]

On Investing

Investing has changed significantly during the 25 or so years that I have been following both the market and also the tools available for an investor to participate within the market.  The following trends are key: The cost of trading and investing has declined significantly.  Trades used to cost more than $25 and now are […]

Portfolio Two Updated March 2016 – Tax Time

Portfolio Two is our second longest lived portfolio, at 11 1/2 years old.  The beneficiary contributed $6500 and the trustee $13,000 for a total of $19,500.  The current value is $27,814 for a gain of $8,314 or 43%, for a rate of return of 5.2% adjusted for the timing of cash flows.  You can see […]

Transition for Portfolio Two

Portfolio Two is transitioning to ETF’s and CD’s.  This is aligned with the “basic plan” that I refer to here.  The portfolio has $28,781 (all in cash) as of December, 2015. At a high level our investments will consist of: $10,000 in the lowest risk interest rate products (Federally insured CD’s bought through a brokerage, […]

Hedging the US Dollar in the “Basic Plan”

Recently the US dollar has strengthened against most foreign currencies.  This means that you could buy foreign stocks and they could do well in their local markets (for example, the Japanese stocks were generally up for a time) and yet you would have losses when your ADR or ETF was valued in US dollar terms. […]

Portfolio Two Updated October 2015

Portfolio Two is our second longest portfolio, at 11 years.  The beneficiary contributed $6000 and the trustee contributed $12,000 for a total of $18,000.  The current value is $28,334 for a gain of $10,334 or 57%, which works out to about 6.8% / year across the life of the portfolio.  You can download the detail […]

Currency Rates and Japan

Japanese Market and Currency Swings The Japanese stock market has been rallying, although recent losses have been in the headlines. Lets use this rally to provide us a stark example of the impact of currency rates on your portfolio. As part of a policy from the Japanese government to spur growth, their currency has been […]