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Judge my Portfolio

Posted on 7/4/14 at 11:06 am
Posted by anc
Member since Nov 2012
20564 posts
Posted on 7/4/14 at 11:06 am
Need a place to invest $25,000 and forget about it. This is what I am thinking:

Predesigned Folios at FolioInvesting.com

Biotechnology 15%
Momentum 10%
Value 10%
Internet 10%
China 10%
Healthcare 10%
Large Cap Growth 15%
Folio 100 20%

Any suggestions?
Posted by roguetiger15
Member since Jan 2013
17508 posts
Posted on 7/4/14 at 11:20 am to
If you are going to buy and hold and forget about it I would do more index funds and not particular sectors
Posted by SmackoverHawg
Member since Oct 2011
31454 posts
Posted on 7/4/14 at 12:00 pm to
quote:

If you are going to buy and hold and forget about it I would do more index funds and not particular sectors


This automatically diversifies you for the most part. This is what I do for the most part. All my 401k/profit sharing in basically in index funds. Well, about 80%. 20% I'm more aggressive with. Any investing done outside of my tax deferred accounts is in individual stocks. I prefer large cap dividend stocks to accumulate and reinvest dividends of course. And stocks I know something about, mainly medical/pharmaceuticals/healthcare. The majority goes into new businesses, real estate, and "fun" investments such as classic cars. Many of my purchases are investments as well. I get to enjoy my money now, but at least maintain it's value and/or grow it. Cars and vintage watches are my main two now. Would like to get into art but don't know enough to make educated decisions about the investment aspect. Currently, I just buy what I like and hope it does ok. I'm good if it just holds its value. I'm loath to just piss away money. And GUNS...but I'd never sell these.
Posted by bayoubengals88
LA
Member since Sep 2007
24274 posts
Posted on 7/4/14 at 12:17 pm to
Yeah, what about financials and oil&gas?

COP, XOM, RDS-B, PSX, CVX

Take a look at the Canadian banks:

BNS, TD, RY, CM, BMO

Posted by Joshjrn
Baton Rouge
Member since Dec 2008
32568 posts
Posted on 7/4/14 at 2:03 pm to
LINK

You're welcome.
Posted by bayoubengals88
LA
Member since Sep 2007
24274 posts
Posted on 7/4/14 at 3:38 pm to
Joshjrn or anyone else,

know anything about iShares? Can their ETF's be purchased without fees?

ETA: just found a solution. Apparently TD Ameritrade offers no commission purchases on many ETF's
This post was edited on 7/4/14 at 3:43 pm
Posted by TheHiddenFlask
The Welsh red light district
Member since Jul 2008
18384 posts
Posted on 7/4/14 at 8:27 pm to
I shares are definitely the best eft out there. I have done the research for two multi billion dollar firms and both times it was confirmed.
Posted by Teddy Ruxpin
Member since Oct 2006
40727 posts
Posted on 7/4/14 at 9:46 pm to
quote:

Any investing done outside of my tax deferred accounts is in individual stocks


Maybe I've drunk too much today, but shouldn't this be opposite (for tax purposes). Tax efficient index funds/etfs like VTI in taxable accounts, with dividend individual stocks ie capital gains stocks you want in tax deferred.

But again, I'm all sloppy right now so who knows

#obviously in 401k type accounts you might not have much choice and have to just go with it
This post was edited on 7/4/14 at 9:48 pm
Posted by SmackoverHawg
Member since Oct 2011
31454 posts
Posted on 7/4/14 at 10:26 pm to
quote:

Maybe I've drunk too much today, but shouldn't this be opposite (for tax purposes). Tax efficient index funds/etfs like VTI in taxable accounts, with dividend individual stocks ie capital gains stocks you want in tax deferred.

My retirement plan doesn't allow you to buy individual stocks only invest in various funds. My individual stocks are buy and hold. The dividends do create some tax burden, but not all are dividend stocks. A lot are flyers I'm taking a swing for the fence with.
Posted by BJ titsnbeer
Gods Country
Member since Mar 2011
217 posts
Posted on 7/4/14 at 10:59 pm to
You want to hold individual stocks in taxable accounts. The capital gains and dividends (for the most part) are taxed at a favorable rate. You can also take advantage of offsetting gains and ordinary income with capital losses if you buy a loser. If you buy a dud in a tax deferred account you can't offset or write off the loss.
Posted by Teddy Ruxpin
Member since Oct 2006
40727 posts
Posted on 7/4/14 at 11:59 pm to
Ah ya, tax harvesting. Told you I was drinking
This post was edited on 7/5/14 at 12:00 am
Posted by GenesChin
The Promise Land
Member since Feb 2012
37846 posts
Posted on 7/5/14 at 2:00 am to
Not seeing any bitcoin exposure in that portfolio
Posted by foshizzle
Washington DC metro
Member since Mar 2008
40599 posts
Posted on 7/5/14 at 3:57 am to
quote:

Not seeing any bitcoin exposure in that portfolio


Those would be in the secret offshore accounts.
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