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Happy New Year everyone! I know its been a while since I last posted but I’m feeling refreshed after a good break and ready to blog away in 2012. I hope everyone had a great holiday season. As for me, the RV and family are happily stationed in San Diego for at least the first part of the winter season. It is hard to beat southern CA weather in the winter. For this first post of the new year I thought I’d take a quick look back at some blog stats for 2011. Enjoy! For 2011 the blog had 59,000 … Continue reading
It’s time again for the monthly update of the income investor dashboard. July was an exciting month with stocks dropping in general, bonds defying the consensus chorus and rallying, and volatility spiking higher. Below is the updated income investor dashboard. As usual the highlighted green cells are for those areas that became less expensive, higher yields, during the month. The broad stock averages dropped about 1-2% for the month and the dividend ETFs did even poorer, dropping 2.5% to 3.5%. Some of the dividend ETFs, like IDV are starting to look interesting. What’s important to note is that the broad … Continue reading
This is the 3rd post on mortgage REIT basics. In my last post on mortgage REITs (mREITs) I discussed interest rate risk. Today, I’ll discuss the other two major risks in investing in mREITs, credit risk and liquidity risk. Both of these risks can lay dormant for long periods of time and then rise quickly to severely impact mREIT prices. As they say in investing, everything is fine until it isn’t. Lets look at credit and liquidity risk and what an investor can do to mitigate them. Credit risk in mREITs is relatively easy to address. The bulk of investments … Continue reading
In an earlier post I introduced a method to time the market, based on the 200-day moving average, that produced higher investment returns, lower volatility, and lower drawdowns than a buy and hold portfolio. As I’ve stated here many times lower drawdowns (max principal loss in any period) is critical for retirement portfolios. The fact the retirees need to make withdrawals every year, no matter what the market is doing, makes principal protection just as important as investment returns. For this post I wanted to know, can you have your cake and eat it too? Can you have higher investment … Continue reading