A lot has changed since I proudly wore the uniform of the United States Army. http://militarymoneymanual.com/ is a web site run by a young Air Force officer covering the monetary aspects of military life and how he plans to be financially independent by age 40. There is also an analysis of the new retirement system to which he will be switching and why many current military members should switch also. The new plan seems to be better than the “complete 20 years or get nothing” plan of my Army era.
And just in case you feel safe with your governmental pension, review this analysis http://www.marketwatch.com/story/why-your-states-public-pension-plan-is-in-a-much-bigger-hole-than-you-already-fear-2016-08-16? The zero percent interest rate (now 0.25%) of the Federal Reserve Board (FED) is killing pension plans as well as wiping out all savings accounts. It is interesting that last December when the FED raised it’s interest rate was from 0 to 0.25% the stock market fell 10% until the head of the FED called her counterparts on 11&12 Feb requesting they print more money to rescue the stock market. All that matters to the FED is the stock market.
Each Thursday on Chuck Jaffee’s The MoneyLife Radio Program podcast a segment by Tom Lydon editor of ETF Trends is featured. Mr. Lydon presents the ETF of the week. On 18 Aug he featured NOBL, ProShares S&P 500 Dividend Aristocrats ETF. This ETF focuses exclusively on companies in the S&P 500 that have grown dividends for at least 25 consecutive years and has outperformed the S&P 500 with lower volatility since its inception. Over the last 5 years the S&P 500 ETF SPY is up 25% while this ETF is up 33%. Mr. Lydon suggests you can hold it forever or use the 200 day moving average to decide when to sell. The current price is 55.69 and the 200 day moving average is 51.24.
IBD TBP’s Market Pulse is “Confirmed Uptrend”. Time to invest.
My current investments:
IRA#1 and IRA#2
SMedicalEquipment&Sytems has a price of 43.05, a sell price of 40.96, a rank of 04, and is a hold. (ETF – IHI current stoploss 135.25)
IRA#2
RealEstatePortfolio has a price of 45.59, a sell price 44.98, a rank of 30, and is a Sell. (ETF – REZ current stoploss 64.66)
SGold has a price of 27.46, a sell price 26.71, a rank of 01, and is a hold. (ETF – GLDX I was stopped out of this again)
LatinAmerica has a price of 21.77, a sell price 20.73, a rank of 03, and is a hold. (ETF – BRF current stoploss 16.66)
SElectronics has a price of 86.98, a sell price 82.63, a rank of 02, and is a hold. ( ETF – SMH Current stoploss 61.17).
SNaturalGas has a price of 26.81, a sell price TBD, a rank of 05, and is a buy. (ETF – PSCE)
My portfolio changes this weekend:
IRA #1 – None
IRA #2 – Exchange RealEstatePortfolio to SNaturalGas.
My portfolio market exposure after this weekend’s changes:
IRA #1 – 100% invested
IRA #2 – 100% invested
The top 20 (out of 100+ I follow) Fidelity funds (percent deviation, rank & weeks on top 20 list, fund symbol, fund price, fund name, and %dev increasing last 2 weeks).
This week:
27.54 01-29 FSAGX 27.46 SGold
15.77 02-07 FSELX 86.98 SElectronics
13.88 03-09 FLATX 21.77 LatinAmerica
13.41 04-19 FSMEX 43.05 SMedicalEquipment&Systems
12.27 05-02 FSNGX 26.81 SNaturalGas Yes
11.44 06-08 FEMEX 8.38 EmergingEMEA
11.19 07-02 FNARX 29.42 SNaturalResources Yes
11.06 08-02 FSENX 43.76 SEnergy Yes
10.96 09-05 FSPTX 131.05 STechnology
10.79 10-08 FTEMX 11.36 TotalEmergingMarkets
9.52 11-05 FOCPX 86.75 OTCPortfolio
9.21 12-05 FSCSX 132.34 SSoftware&ITServices
8.76 13-03 FDCPX 74.59 SComputers
8.69 14-05 FSDCX 30.94 SCommunicationsEquipment
8.29 15-04 FEMKX 24.58 EmergingMarkets
7.98 16-05 FCPGX 20.15 SmallCapGrowth
7.67 17-01 FFGCX 10.83 GlobalCommodity Stock Yes
7.66 18-09 FPBFX 28.99 PacificBasin
7.60 19-01 FSDAX 125.58 SDefense&Aerospace
7.50 20-01 FSESX 47.61 SEnergyServices Yes
Last week
32.52 01-28 FSAGX 28.12 SGold
14.98 02-08 FLATX 21.82 LatinAmerica Yes
14.41 03-18 FSMEX 43.12 SMedicalEquipment&Systems
13.90 04-06 FSELX 84.87 SElectronics
11.98 05-07 FEMEX 8.37 EmergingEMEA
11.15 06-04 FOCPX 87.60 OTCPortfolio Yes
11.07 07-04 FSPTX 130.42 STechnology Yes
10.83 08-07 FTEMX 11.30 TotalEmergingMarkets Yes
10.39 09-04 FSCSX 133.13 SSoftware&ITServices
9.74 10-08 FPBFX 29.43 PacificBasin
9.03 11-15 FRESX 46.34 RealEstateInvestmentPortfolio
9.03 12-03 FEMKX 24.64 EmergingMarkets Yes
8.81 13-01 FNARX 28.62 SNaturalResources Yes
8.44 14-04 FCPGX 20.15 SmallCapGrowth
8.31 15-04 FSDCX 30.69 SCommunicationsEquipment
8.20 16-30 FSTCX 71.80 STelecommunications
8.19 17-01 FSNGX 25.67 SNaturalGas Yes
8.09 18-01 FSENX 42.34 SEnergy Yes
7.94 19-02 FDCPX 73.69 SComputers
7.53 20-03 FSRPX 112.17 SRetailing Yes
IRA#1 is currently invested in:
100% – SMedicalEquipment&Systems(FSMEX)(31May16) from CashReserves(FDRXX)
Jun16 1m+6% 3m+22% 6m+16% 12m-10% 24m+2% 36m+23% 60m+12% 120m-2%
May16 1m-7% 3m+16% 6m+8% 12m-19% 24m+2% 36m+17% 60m+6% 120m-12%
Average annual return since 1/82 11%
IRA#2 is currently invested in:)
20% – LatinAmreica(FLATX)(25Jul16) from JapanSmallerCompaneis(FJSCX)
20% – SGold(FSAGX)(13Jun16) from CashReserves(FDRXX)
20% – SMedicalEquipment&Systems(FSMEX)(31May16) from CashReserves(FDRXX)
20% – RealEstateInvestmentPortfolio(FRESX)(21Mar16) from CashReserves(FDRXX)
20% – Telecom&Utilities(FIUIX)(14Mar16) from CashReserves(FDRXX)
Jun16 1m+6% 3m+9% 6m+5% 12m-1% 24m+2% 36m+8% 60m+8% 120m+21%
May16 1m-1% 3m+4% 6m-3% 12m-9% 24m-3% 36m-0% 60m-2% 120m+13%
Average annual return since 1/82 11%