Post by xray on Mar 24, 2021 21:28:24 GMT
Many of us invest quite differently and have very different Goals & Objectives and many of us "retiree's" are "Income" oriented. With that said....
The end of the each Qtr brings many of us to study and analyze our current portfolio's similar to what the Mutual funds do [that change their portfolio's just before the end of each Qtr]. Here is what some of us have done [only as a single example] and are currently thinking....
1... Taking CapGains on all securities [in continuous up markets] in current portfolio's for the Qtr [in addition to some already taken] keeping in mind that the "traders" will be leaving on or "before 4/15" and won't return to the market until "after Labor Day" [with the consideration that the "volume" will be decreasing considerably and securities can become quite volatile in MktPrc swings (especially in CEF's that already trade with low volume and have MktPrc swings)]....
2... Maintain at end of each Qtr a cash position of approximately 50% for new and potential investments [for dips in the Mkt and meeting our R72's requirements] ....
3... Assuring a minimum Qtrly ROI of 3.75% minimum in both up/down markets [not greedy or gambling]....
4... Protecting our R72's as much as possible while taking the CapGains. Try to maintain R72's [and ROI] to 12% [which is considered to go to 10%/Yr because of any Div cuts] in both up/down markets ...
5... Not selling "any" of our current losers [if any] since many are out of sector favorability or may have been bought incorrectly at the time of investment....
6... When selling any security in current portfolio's, keeping a phase "0" position [0%-2%] for dollar cost averaging ["UP"] during the 2nd Qtr. [and 3rd, 4th Qtr's]...
7... Re-analyzing those securities in portfolio that are underperforming and looking for 2nd Qtr "opportunities" ....
8... Looking at the "RISK" [Rf] numb3rs [or equivalent] of each security in our portfolio and re-analyzing it going forward [against the norm]
9... Minimize "total Sellouts" [losers] and keep track of them as "Lessons Learned"....
10... Revise our excel worksheets to both Lessons Learned and "when to sell" indicators [as a guide for current investments and also future investments]....
11.. Invest wisely [normally only once a week maximum [after very careful analysis] and slow down selling [again after careful analysis]....
12.. Use message boards, financial websites [and such] as "additional information" to our own current analysis and take the differences as important things to look at against our current analysis [before buying]. Opinions pro/con will always vary and every one's opinion is important....
Current actions on above actions:
1... CapGains taken [where applicable] during the 2nd Qtr
2... Cash position currently 54%
3... Current ROI 26.71% for 1st Qtr
4... Current Dividend average for other 46% of securities in portfolio is currently 11.34%
5... None sold in current reduction of portfolio to 54%
6... Ten securities in portfolio, after reduction, is 0%-2%
7... Three securities [with Report card Grade <65 will be in re-analysis ["after" start of the 3rd Qtr]
8... Two securities have Rf less than the norm [one because of dividend cut this week]
9... Eight sellout's in first Qtr nd all on current "Watch List"
10. Mod #36 [Updated 3/13/21]
11. Bought during the week once or twice under special situations
12. Computer Monitored all message boards across the spectrum for "hint" for something to look at and analyze to Goal & Objectives....
We all [hopefully] have done "much better" than we had expected to do in this 1st Qtr [similar to last year] because of the "continuous" up market. However, always however's, some of us have gone through the 1930's listening to [our parents and others] as to what happened in the 1929 crash when "everyone" was buying the market to become a "instant millionaire". This market [in my sole opinion] continues to be "very" dangerous and when "all" of the traders [with their micro fast computers] and "any/all of the investors" want to get out, the market value will be similar to 1929. "Buyers Beware" continues to be important factor going forward....
Could go on but we get the major points....
Live Long and Prosper....
The end of the each Qtr brings many of us to study and analyze our current portfolio's similar to what the Mutual funds do [that change their portfolio's just before the end of each Qtr]. Here is what some of us have done [only as a single example] and are currently thinking....
1... Taking CapGains on all securities [in continuous up markets] in current portfolio's for the Qtr [in addition to some already taken] keeping in mind that the "traders" will be leaving on or "before 4/15" and won't return to the market until "after Labor Day" [with the consideration that the "volume" will be decreasing considerably and securities can become quite volatile in MktPrc swings (especially in CEF's that already trade with low volume and have MktPrc swings)]....
2... Maintain at end of each Qtr a cash position of approximately 50% for new and potential investments [for dips in the Mkt and meeting our R72's requirements] ....
3... Assuring a minimum Qtrly ROI of 3.75% minimum in both up/down markets [not greedy or gambling]....
4... Protecting our R72's as much as possible while taking the CapGains. Try to maintain R72's [and ROI] to 12% [which is considered to go to 10%/Yr because of any Div cuts] in both up/down markets ...
5... Not selling "any" of our current losers [if any] since many are out of sector favorability or may have been bought incorrectly at the time of investment....
6... When selling any security in current portfolio's, keeping a phase "0" position [0%-2%] for dollar cost averaging ["UP"] during the 2nd Qtr. [and 3rd, 4th Qtr's]...
7... Re-analyzing those securities in portfolio that are underperforming and looking for 2nd Qtr "opportunities" ....
8... Looking at the "RISK" [Rf] numb3rs [or equivalent] of each security in our portfolio and re-analyzing it going forward [against the norm]
9... Minimize "total Sellouts" [losers] and keep track of them as "Lessons Learned"....
10... Revise our excel worksheets to both Lessons Learned and "when to sell" indicators [as a guide for current investments and also future investments]....
11.. Invest wisely [normally only once a week maximum [after very careful analysis] and slow down selling [again after careful analysis]....
12.. Use message boards, financial websites [and such] as "additional information" to our own current analysis and take the differences as important things to look at against our current analysis [before buying]. Opinions pro/con will always vary and every one's opinion is important....
Current actions on above actions:
1... CapGains taken [where applicable] during the 2nd Qtr
2... Cash position currently 54%
3... Current ROI 26.71% for 1st Qtr
4... Current Dividend average for other 46% of securities in portfolio is currently 11.34%
5... None sold in current reduction of portfolio to 54%
6... Ten securities in portfolio, after reduction, is 0%-2%
7... Three securities [with Report card Grade <65 will be in re-analysis ["after" start of the 3rd Qtr]
8... Two securities have Rf less than the norm [one because of dividend cut this week]
9... Eight sellout's in first Qtr nd all on current "Watch List"
10. Mod #36 [Updated 3/13/21]
11. Bought during the week once or twice under special situations
12. Computer Monitored all message boards across the spectrum for "hint" for something to look at and analyze to Goal & Objectives....
We all [hopefully] have done "much better" than we had expected to do in this 1st Qtr [similar to last year] because of the "continuous" up market. However, always however's, some of us have gone through the 1930's listening to [our parents and others] as to what happened in the 1929 crash when "everyone" was buying the market to become a "instant millionaire". This market [in my sole opinion] continues to be "very" dangerous and when "all" of the traders [with their micro fast computers] and "any/all of the investors" want to get out, the market value will be similar to 1929. "Buyers Beware" continues to be important factor going forward....
Could go on but we get the major points....
Live Long and Prosper....
