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Welcome to 2012!

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.…

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Portfolio , Uncategorized

August income investor dashboard

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…

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Credit and liquidity risk in mortgage REITs

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.…

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Portfolio , Retirement , Uncategorized

Higher withdrawal rates via diversification & timing

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…

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