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Zach Tripp's  Instablog

Zach Tripp
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Certified program manager (PMP) with a background in engineering. Fundamental investor who's portfolio consists of buy-and-hold dividend growth companies, growth companies (short-term) and index fund portfolio management (retirement / long-term savings).
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  • Fidelity 7Twelve Diversified Portfolio Rebalance: Jan-2015

    Last July (2014) I adopted my Rollover IRA holdings to align with the 7Twelve portfolio. My asset allocation was already very similar. The largest change for me was to equal all of the holdings and to add a cash portion.

    Link to original article: seekingalpha.com/instablog/620714-zach-tripp/3042665-fidelity-7twelve-diversified-protfolio

    Even though this past December was only the 4 month mark, I want to get into the habit of annual rebalancing. With the fall in oil and overall commodities prices, I waited until the end of January.

    Am I trying to time the market? Yes and No. I know I cannot time the market. Chances are, oil and commodities will continue to fall. At the moment it looks like the Natural Resources fund has settled around $30/share.

    You can see, since July-2014 the leaders were the REIT fund and the S&P 500. The losers were Pimco's commodity fund and the Natural Resources fund.

    (click to enlarge)

    Jan 30 9:06 PM | Link | Comment!
  • Cartoons

    (click to enlarge)

    Jan 27 5:09 PM | Link | Comment!
  • Diversified ETF Portfolio Performance For Q3 2014

    Here is the performance of my diversified ETF portfolio through Q3 2014.

    Here is the original thesis: seekingalpha.com/article/1939801-2013-diversified-etf-portfolio-review-lesson-in-poor-diversification-2014-thesis

    Here are the second-quarter results: seekingalpha.com/article/2308545-diversified-etf-portfolio-performance-for-q2-2014

    Here is a review of the general market conditions for the third quarter. Below is the yield curve at the end of Q3:

    For the year, the yield has continue to fall.

    Following is the S&P sector performance for the third quarter and the year to date.

    Sector performance for the third quarter.

    Sector performance year to date (as of 30-Sept-2014).

    Both the healthcare sector and technology continue to be strong sectors.

    NEWS

    The big news for the quarter was Bill Gross leaving Pimco to join Janus. This was announced on 26-Sept-2014, just before the end of the quarter. (Source: http://www.forbes.com/sites/maggiemcgrath/2014/09/26/bill-gross-leaving-pimco-for-janus-capital/)

    Given that my thesis for holding BOND was Bill Gross's leadership, a change needs to be made. I commented on this in my post for the second-quarter performance. The change is to replace BOND with TLT. More details will follow in the post for Q4.

    Here is the performance of the individual holdings for Q3 2014:

    (click to enlarge)

    You can see that small caps had a tough quarter. This year I decided not to show the impact of rebalancing like I did last year. I wish I had because adding to small caps when they are underperforming large caps should be profitable over a long-term time horizon.

    The portfolio as a whole had a really tough quarter. The portfolio was down -3.33% for the quarter. The S&P 500 continued to be a strong index, with a 1.14% gain (including dividends) for the quarter, outperforming each of my holdings.

    Year to date, my portfolio continues to be in the black, returning 1.58% for the year, compared with 8.66% for the investable S&P 500. The diversified portfolio does continue to have a greater yield than the S&P 500. The portfolio's annualized yield is 3.08% vs. 1.96% for the S&P 500.

    Tags: VOO, SPY, BOND, TLT, BIZD, PXSV, JNK, VWO, PKW
    Jan 11 4:35 PM | Link | Comment!
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