Potential Millionaire Portfolios
With a pool of dollars, the following portfolios, are suggested to Swing Trade via Sez III.
Be advised this is a long term project.
It should only take about 10 minutes to review and execute trades as necessary.
Re-invest the dividends to buy more shares.
Portfolio ONE:
TLT - 20 % from the pool
GLD - 20 %
SPY - 20 %
SHY - 20 %
IWN - 20 %
Portfolio TWO
GLD - 7.5 %
DBC - 7.5 %
IEF - 15 %
SPY - 30 %
TLT - 40 %
Portfolio THREE
TIP - 2.6 %
LQD - 6.5 %
IEF - 7.7 %
EEM- 10.0 %
TLT - 10.9 %
SCZ - 11.0 %
EFA - 11.5 %
CASH 14.0 %
SPY - 25.8 %
Sample
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Quill,
Iâm guessing those âportfoliosâ are projects youâre running at Ellevest and that they were created by them managing that website. So letâs dig into the first portfolio.
SHY is a bet on short-term treasuries. Itâs official title is â1-3 Year Treasury Bond Ishares ETFâ which is all you need to know about how clueless Ishares is about running a fixed-income fund. Short-term Treasury instruments --the 4wk, the 8wk, the 13wk, 17wk, 26wk, and 52 wk â are âbillsâ, not bonds. The 2yr and 3yr are ânotesâ, not bonds.
Second point. Every fixed-income fund charges expenses. Worse, Ellevest imposes a fee for assets held with them. Both can be avoided if one buys his/her debt instruments directly.
Third, right now, there is zero reason to own any T-bill, note, or bond further out on the yield-curve than the 26-week, with the 13-week being pretty optimal (and offering 5.27% as of the most recent auction, which beats the crap out of any dividend paid by the SP500 stock dividend âaristocratsâ.)
TLT is an equally cockamamie choice in our present interest-rate environment.
I could rip into the other choices, But thereâs no need. Ellevest is run by clueless idiots who drink the Kool-aid of Modern Portfolio Theory. Thatâs all one needs to know they offer bad advice and worse management.
Arindam,
It is not from Ellevest
The year 2 0 3 4 Social Security System Is Broken. There is more going out than money coming in to support the system.
Social Security may not be a Ponzi scheme, but it sure acts like one.
I am trying to find the article about the listed 3 portfolios.
The second one is from Ray Dalio according to his picks and the third one is called FOF (fund of funds).
Now, if one uses Simon Sez III rules, one will be making more money than what the SSI will be paying on a monthly basis.
The portfolios is suppose to supplement the SSI when it runs out of money.
What is going to happen, is that the SSI checks will be reduced by 20 percent in 2 0 3 4 .
And insurance premimums will increase by 25 % that is deducted from the SSI check.
You keep forgetting Simon and Co. does not care about dividends other than getting a bonus for hanging around.
I am getting a lot of information from SteetAuthority.com with High-Yield Investing several portfolios.
Re: TLT
If you have skin in the game Iâll listen to your point of view. Today made about $2,000 while the market was taking a pounding because of the banking industry. November to present with Zero losses. About 14K for the month of November.
Life time wealth generator where the divvie is a bonus.(at 1k plus/month)
Quill,
Iâm going to call bullsh*t on your claim that you made about $2k today on TLT. In fact, you lost money.
By how much did TLTâs price change today? It was up by $2.57 per share, right? If you want to claim that you made about $2k today on your holding of approximately 778 shares, then go ahead and do so. But no one should believe you.
Letâs say that your position in LTL is 778 shares (or thereabouts). Last Friday, April 28, on a dividend-adjusted basis --aka, with divvies backed in-- TLT was worth $106.19 per share. Today, May 2, at market close, those same shares --on a div-adjusted basis-- are worth $105.70 per share. See the difference?
So, letâs do some basic, 4th-grade math. Two market days ago, your supposed position in TLT was worth $82,615.82. Today, two market days later, that same position has to be marked to market at $82,223.46. So, unless youâre doing the sort of âwokeâ math where 2+2 can equal 5, then you lost (-$392.36) today on TLT. And yesterday, you lost a huge amount of money that todayâs dead-cat bounce only partially recovered. So, if you want to claim you made money today, then you have to admit that you lost money yesterday, a lot of it.
Youâre the best discretionary trader I know. But you donât understand how to report P/L.
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