Recent content by padlock

I let my equity allocation float between 70% to 80%. After a good year, I tend to decrease my equity allocation a little, and after a bad year, I tend to increase it, but I always stay between 70-80.

One thing to consider is that the actual total returns of some international funds is not properly represented simply by looking at the growth in etf prices as many of them tend to have larger dividends, which can make a large difference over time.

Not to be a contrarian, but I do consider a percentage of our primary residence as part of our retirement portfolio. That's because our current house is too big for empty nesters, and we will definitely be downsizing in the future. Whether you should or not really depends on what you plan to...

I remember reading an article explaining that short term trading is essentially a zero-sum game, whereas long term investing is not.

Perhaps I didn't express myself properly, because I believe the same thing.

Well, yes actually. I think that's exactly what is needed. Though I suspect that, in this regard, I'm in the definite minority on this forum.

Just so I understand, are you saying you think the stock market is going to be worse off than it would have been if they didn't guaranty the deposits? Are you thinking long term vs short term? I'd like to understand your reasoning.

So you're saying that leaving everything to 'market forces' is the way we should address income inequality? Sure, what could possibly go wrong with that idea.

I agree. I think those arguing against the Feds coming in and guaranteeing the deposits are making ideological arguments that are not at all pragmatic. I suspect that the actual cost would be much greater to all taxpayers if the economy were allowed to suffer a severe shock due to irrational...

Firecalc has an option to set your portfolio returns to 'random performance'. Would that be similar to monte-carlo?

Thanks for the responses. My initial reaction was also one of skepticism, but I wasn't familiar with Mr. Rosenberg's previous work. Seems he's quite the alarmist.

Read an article by David Rosenberg claiming that the optimal asset mix to maximize Sharpe ratio consists of equal parts dividend stocks, long dated treasuries, and high yield bonds, plus a little bit of gold. The article can be found here...

No worries Lsbcal. Just trying to clarify my motivation for the post.

I've also heard from colleagues who used it to help write blog posts and some marketing material. In any case, it certainly isn't my intent to try to convince anyone that it's going to be revolutionary tech. I believe it is and was just wondering what the best way to gain some investment...

I got it to write several reasonably non-trivial sample software programs involving both Python code and SQL queries. As a former software developer, I can easily see practical applications for it in the field.