I use mostly individual stocks and ETFs but also hold a very small selection of mutual funds. My personal portfolio has over time moved more towards easy maintenance, decently yielding stocks and ETFs but I can still become excited over a great small cap idea. :) But ideally I want a portfolio that can mostly handle itself for an extended period of time and that I don't have to worry about should something happen that keeps me from attending it regularly. Therefore I subscribe to some kind of core & satellite approach and I currently probably have too much of a satellite and rather want to add to my core.
Just an old farm boy who bought his first stock in 1970. Been a student of the markets and investing ever since. Over the years I have owned and managed several businesses before retiring for health reasons three years ago. MS from the University of Akron.
Paul is a Partner at Vaco Resources (Vaco), where he serves as a recruiter. Before joining Vaco, Lazar most recently served as a managing director and business development leader for Wells Fargo Insurance Services, where he oversaw insurance sales and operations in Alabama and Tennessee and led bank cross-sell and business development efforts across the southeast region. Prior to joining Wells Fargo, he spent three years in finance and sales leadership with Integro USA, Inc. in Atlanta. Lazar began his career as a CPA with Ernst & Young and spent a number of years in various accounting and finance roles with Marsh & McLennan in New York and Atlanta.
Lazar currently serves on the Board of Executives for, and is a member of, the Atlanta chapter of Financial Executives International (FEI). He is also a member of the Atlanta chapter of the Financial Executives Networking Group.
Lazar earned his bachelor’s degree in accounting from Binghamton University in Binghamton, N.Y. and his master of business administration in finance from Kennesaw State University in Kennesaw, Ga.
My wife and I are baby boomers, newly retired administrators who worked together at a small community based nonprofit. As investors, our core holdings are Dividend Aristocrats, but we still have cash to deploy. Preparing for the unexpected, we are also diversifying across asset classes, including bonds, real estate, foreign holdings, commodities, but not much in precious metals. We plan to live within our means on dividends and interest and let our core equity holdings grow for the next generation.
just an average joe investor . Change from aggressive growth to growth income so I could pay the bills.
But had to still keep one hand towards capital gains . Enjoying reading the posts and comments.
Been with SA almost from their start . I have a beer can for a brain so I thank everyone for filling it up with investment ideas and knowledge .
Close to retirement age but plan to keep working for some time to come. Have invested in stock market sporadically, mostly confused and scared. It hasn't worked very well. Have a lot to learn, learn a lot from many SA folks and enjoy the sharing here.
Historically about 60% invested (minority is stocks along with a lot of "other") with 40% cash. Aiming at this stage to put more of the cash to work, and since I'm underweight in stocks/bonds, am focused there, especially but not only DGI.
Expect that I can avoid taking much if any income out for 15-20 years (except tax and the RMD), unless something unexpected happens--not a long compounding period but better than not at all.
Professionally, I have done a bit of everything in my long life, from playing rock and roll, to developing software, and running a successful entrepreneurial business. But I am best known as a writer of bestselling books about business and health. I write under a pseudonym here on Seeking Alpha because that way I know readers will evaluate my work strictly on the basis of what I actually said rather than who I am.
I'm 54 yrs old trading stocks on and off for the past 13 yrs. I don't know how I came across Seeking Alpha and dividend investing but somehow I did. And the idea of compounding dividends thru reinvesting stuck in my head. After reading some articles on DGI, I convinced myself this is the right way for me. So starting April 2013, I started buying dividend paying stocks and even though I'm new, I already enjoy the feeling of getting a dividend being added to my account. I'm with Scottrade so I get to chose what stock to reinvest the dividend without commission. I've also convinced my 24 year old son to open a Roth IRA and a separate account after he maxed out his Roth. He was convinced after I showed him what Chowder is trying to do for his son. So far we have purchased KMB, KO, CLX, PG, GIS, CVX, BP, TOT, SO, WEC, D, KMR (now KMI), KMP(now KMI), INTC (sold), GE, VALE (sold), O, NNN, NHi, HCN, PM, MO, LO, LNCO (sold), WFC, RDS/B, XOM, JNJ, GILD (sold), EPD, D, MMP,
Diversified DRIP investor since 1996 with the goal of using DIV's to support worldwide traveling in my retirement years. After traveling in 48 states and 31 countries I decided to marry in 2010 so I could live a longer healthier life. It is only through this worldwide solo traveling that I have learned the value of living a fulfilling life. Thank you for your interest in me.
I enjoy investing and analyzing investment opportunities. I have been an active investor for more than 50 years, and I am now a retired college professor. Because I prefer (and my wife tolerates) my paying "myself" rather than someone else to lose our surplus money, I select the companies in which we invest, using a variety of sources, including Morningstar, Vanguard, Motley Fool (briefly), investment advisors and, more recently, SA. Hedging my idiosyncrasies, however, our investments also include professionally managed retirement accounts in TIAA-CREF and IRAs, mutual funds and ETFs in Vanguard. In retirement, we are primarily income growth investors, with about half our investments in individual equities and half in (only) no-load, low-fee mutual funds and ETFs. I use short-term, seemingly lemming or algorithm-driven fluctuations in stock and fund prices to add to our investments, and I consider selling these when neither income nor prices advance over a 3-5 yr period. I especially appreciate the intelligent skepticism voiced by some SA authors amongst the positive advice of the Tweedle-Dee/Tweedle-Dum professional investment community.
I am 60 and retired,I worked most of my life managing a small logging company in Southern VA. I never worked anywhere that offered a pension or 401K, so I started a IRA back in the eighties. The little I knew about stocks back then I learned from my DAD, a dairy farmer, who invested. I always focused on stocks that paid dividends, but after the recession I discovered Seeking Alpha and David Fish CCC List, and follow all the great authors there, now I look for Dividend GROWTH. In 2011 I did a lot of swapping of my holdings so most of what I hold now are on the champions list, as I hope never to sell them, just use the dividends they produce. AS my uncle use to say (Drink all the milk you want but leave the cow alone)
Spent over 30 years developing leading-edge software technology before getting 'involuntarily retired' several years ago. Still interested in software architectures, and personal research in advanced ontology architectures (I have rather idiosyncratic views on how these should be developed).
Having failed to pay attention to my retirement portfolio prior to 2008 (it was all in stock funds at the time), waited until early 2010 to get the main rebound. Then started to actively engage in my own financial planning and portfolio management. Started treating this as a 'full-time job' in 2011. Started to get comfortable with my portfolio management approach in 2012 - and managed to get almost 14% last year (2012) in my main IRA with a basically 'conservative' 65% bond funds to 35% equities model ;-)
Sadly, two smaller portfolios didn't do anything like that well, and I am working on understanding why - I believe it is largely because they were much less diversified, despite being nominally more aggressively allocated.
Started drawing pension this year, but still need to draw down the portfolio by around 15-20% a year (assuming no return) until I draw social security (target in around 4 years), at which point I should finally become cash-flow positive - yay!
Zugzwang (German for "compulsion to move") is a situation found in chess wherein one player is put at a disadvantage because they must make a move when they would prefer to pass and not to move. The fact that the player is compelled to move means that his position will become significantly weaker. A player is said to be "in zugzwang" when any possible move will worsen his position.