Sound mind investing upgrading
Use this calculator to determine the proper allocations for each fund in our Fund Upgrading strategy. 1. Enter the amount you want to invest: Note: Other than. Mark Biller is Sound Mind Investing's Executive Editor. His writings on a broad range of financial topics have been featured in a variety of. Austin Pryor has 40 years of experience advising investors and is the founder of the Sound Mind Investing newsletter and website. He's the. VANTRUE N2 PRO UBER DUAL DASH CAM
This is the fund I refer to as the current recommendation in this discussion. It's a reasonable question, given that the current recommendation doesn't look so great compared to the other half-dozen options in its specific group which is the non-traditional bond category. The key to understanding why we would continue to recommend what looks like a mediocre bond fund within a particular category is found in the change we made to the overall Bond Upgrading strategy two years ago.
First, it's worth pointing out that for years SMI did in fact use a form of Upgrading similar to what we still do with stock funds — rank them within their specific peer group, and rotate among the leaders of each group.
That approach is basically the foundation of this Forum question: if it isn't even leading its little peer group, why do we still own it? The answer is that this version of intra-category Upgrading, which has worked well for stocks for many years, has never worked especially well for bonds. Whether that's due to the lower variability in returns between bond funds in the same category, the generally lower returns bond funds earn, or exactly what, we can't say. But we switched away from that form of Upgrading for bonds many years ago and in fact, relied primarily on indexing for bonds for many years.
When we came back to a Bond Upgrading approach two years ago, it was based on an inter-category approach, rather than an intra-category approach. Or, in non-nerd language, whereas we used to upgrade between funds within the same bond peer groups, we now upgrade between the bond groups themselves. If this sounds more like our Dynamic Asset Allocation strategy approach, you're on the right track.
The bond market is made up of vastly different types of bonds, and our new approach seeks to take advantage of the different way those bond types respond to changes in interest rates, the economy, inflation, and so forth.
As the chart below shows, commodities have endured a terrible bear market over the past 13 years. Click Chart to Enlarge Including commodities in Upgrading In our October article, we made the case for active management when investing in commodities.
As we began our research, we expected the most successful approach would be for us to Upgrade between various actively managed commodity funds. In other words, the absolute-momentum process we uncovered nullified the advantages of Upgrading among the actively managed commodity funds.
Ultimately, the conclusion became obvious: the easiest and most effective way to apply our commodities research was to use DBC as the investment vehicle and use our absolute-momentum approach to drive the process. We recognize that some SMI members implement Upgrading within retirement accounts where they are not able to buy ETFs and must rely on traditional mutual funds instead.
These four funds are widely available and have strong long-term track records. However, like other traditional funds, they are subject to short-term trading fees and possible trading restrictions within company plans , which is why our official recommendation is DBC for members who are able to utilize ETFs. Conclusion The outlook for commodities appears to be strong. In contrast to stocks and bonds, which both currently trade at historically extreme high valuations, commodities represent tremendous value following a prolonged bear market.
At the same time, the traditional catalysts of past commodities bull markets — namely, a falling dollar and inflation concerns — are front-of-mind for investors as central banks and governments the world over compete to see who can debase their currency the fastest. Nevertheless, commodity prices can have sudden, sharp reversals, so occasional losses are inevitable. All that is required is to watch the Recommended Funds page for fund changes and promptly read the accompanying fund write-ups when those changes occur.
His writings on a broad range of financial topics have been featured in a variety of national print and electronic media, and he has appeared as a financial commentator for various national and local radio programs. Share this story, choose your platform! Join the Discussion We want to hear from you! Feel free to Comment below.
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Denise and her husband Rodney enjoy the outdoors be it walking, hiking, biking, or just working out. They have one grown son, Michael Ashley and two beautiful grandchildren. She has broad experience in client services and a desire to help others achieve their financial goals. Holly and her husband, Randy, have two adult sons and enjoy spending time with their family. They are active members of Community Church of Columbus and regularly serve in El Salvador on short-term mission trips.
When Vicki is not working at SMI, she is a primary caretaker of an equestrian facility where she is also in charge of the lesson program for students who show competitively. She and her husband, Tim, have one son in high school and another son in college. They enjoy traveling, camping, and hiking. They reside in Columbus, Indiana and are members of The Ridge church. Anthony graduated from Indiana University with a B. He is a CFA charter holder. Fred is a co-founder of Omnium Management Company.
Too bad nobody's doing anything like that! It's an easy-to-read color format, page monthly issue loaded with specific content that can be tailored to any personal situation. And from the growth it experienced and the feedback it received on the editorials, featured guest articles, and Model Portfolios, it quickly became clear that SMI was meeting a need. Its mission was to teach only what one needs to know, not everything there is to know. Today there are over , copies of the Sound Mind Investing Handbook in print.
The Lord blessed that effort and it was well received, growing to over 8, web members today.
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GYROSCOPIC INVESTING PERMANENT PORTFOLIO FORUM
When Vicki is not working at SMI, she is a primary caretaker of an equestrian facility where she is also in charge of the lesson program for students who show competitively. She and her husband, Tim, have one son in high school and another son in college.
They enjoy traveling, camping, and hiking. They reside in Columbus, Indiana and are members of The Ridge church. Anthony graduated from Indiana University with a B. He is a CFA charter holder. Fred is a co-founder of Omnium Management Company. Prior to founding Progressive Packaging, Inc. Eric graduated from Indiana University with a B.
He also studied at the University of Maastricht in the Netherlands. Elliot worked in banking prior to joining SMI Advisory services. He enjoys traveling, camping, playing music and is a member of Mt. Because the Funds will bear their share of the fees and expenses of the underlying funds, you will pay higher total expenses than would be the case if you invested directly in these funds. There is no guarantee that any investment strategy will succeed; the strategy is not an indicator of future performance, and investment results may vary.
Asset allocation does not ensure a profit or guarantee against loss. Investments in international markets entail special risks such as currency, political, economic, and market risks. Investments in real-estate related securities involve special risks associated with an investment in real estate, such as limited liquidity and interest rate risk and may be more volatile than other securities.
Trading in commodities may involve substantial risks, and investment exposure to the commodities market may subject the Fund to greater volatility than investments in traditional securities.
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