gummy stuff ... about Investing (mostly)

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1 Some Markets	TSE: "best fit" and an Explanation	Equity Classes 20 years of (U.S.) asset classes and Another 20 years and a Sector Test! and Sector Rotation is an illusion	Annual & Annualized Returns the TSE, with dividends! some Historical Returns	Oktoberfest! and 50 years of S&P and S&P and TSE and S&P Withdrawals and S&P from 1871	World Market Indices (1969-1998) Correlation between Asset Classes	by the month TSE Gains and S&P Gains and a comparison	Best/Worst months? TSE DOW
2 Bulls 'n Bears	1929 Crash From 1924 to 1934, y'all make money on the DOW! 1973-74 Bear Then there's: 1929 vs 1987	E/P vs T-bonds Their evolution	Dow Crashes & Divergence Theory	S&P UPs & DOWNs fifty years worth the DOW during World War II		TSE Bar Code?
3 the MER Monster The Management Expense Ratio can eat up much of your "potential" portfolio. visit the thread	MER and a one time investment How much does MER eat? MER Eats N% How many years before MER eats N%?	MER and DCA A 3% MER: how much does it eat? a MER spreadsheet At R% MER: how much does it eat?	Gilles: MER and a $1K investment after the MER eats its share	Gilles: MER and $1K/yr DCA after the MER eats its share	MER meals; for DCA investing For periodic, fixed contributions to your portfolio ...	Dependence upon Investment Return? For DCA investing, does MER consumption depend upon your Return?
4 Thinking of Retirement? visit the thread About your portfolio and How much to save?	When do you run out of Money? You have a portfolio worth umpteen bucks. You start withdrawing at a certain rate (the amount increasing with inflation).	How much do you need to save? You save $1K/year for umpteen years. How much can you withdraw, at retirement? See also: Safe Withdrawals	Annuity or RRIF? Should you buy an annuity? Maybe, when you're old enuff. see explanation Portfolio growth and in today's dollars	Take your CPP at age 60 or 65? and Lose early ... or late?	LIF & RRIF withdrawal rates Max & Min for LIF Min for RRIF Your LIF Portfolio withdrawing the MAX^m. See also LIF Maxima	Getting Started for new investors by E l Toro	Reverse Mortgages, anyone? See also E l Toro
5 Some Comparisons in the U.S Market (cuz I only got data for that market!@#$)	Bonds versus Stocks	Stocks or Bonds? How soon do you run out of money? Stocks=S&P. Bonds=long term, hi-grade, corporate	Mortgages ==> about mortgages	What's the Balance after 1, 2 ... 20 years?	How much have you paid? after 20 years	...and after 6 months?
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6 Pick the BEST! Note the best Mutual Fund of last year ... and invest in it this year! .	How 'bout the best Cdn Equity?	No? Then how 'bout the best THREE of last year?	or mebbe the BEST Balanced fund?	Here's one you'll like!	Follow the "best" Cdn Equity? (How does it fare?)	Buy Fund #2? (1983-1997) Buy the fund which ranked #2 last year, or #3, or ...
7 Some Kinda Value Averaging Try to maintain a constant increase in your portfolio: (NOTE: TOTAL portfolio includes Equity portion and any MM funds) visit the thread	a Constant 8% You DCA to maintain an 8% Equity portfolio growth. How well do you do compared to the TSE?	You'll need lotsa Money Market How much Money Market is needed? (TSE)	Can you manage a 12% Equity growth? With $1K/month AND lotsa MM to feed your Equity portfolio, how well do you do compared to investing in the TSE?	Value Averaging Instead of a fixed percentage growth, you try for a constant portfolio increase. Compare with DCA. (DOW)	Annual Investment Required DCA $1K/month requires $12K/year. How much (annual) money is required to maintain a $1K/month increase in your Equity portfolio? (TSE)	Average Unit Cost (starting at $10) Value Averaging DOES reduce the average price per unit! (TSE)
8 Wanna be a Millionaire? Go from $0 to $1M in N=30 years, maintaining a prescribed portfolio P(n) = $1M(n/N)^p How large are your monthly contributions?	Your Desired Portfolio Here's the Portfolio you're trying to maintain, for p=1.5 (assuming a market return of 9%/year)	Monthly Contributions? How much must you contribute, for p=1.5? Note that you actually REMOVE $34,253 from your Portfolio (by the time 30 years rolls around).	How about p=1? ... asking for a constant dollar increase each month	or p=.9?	The REAL world! where, instead of assuming a 9% return (and p=1), you invest in the TSE 300 Mamma mia!
9 Gilles' Charts Find the "best" straight line fit to log(DOW); use that to see where the DOW is heading and an Explanation	the DOW, from 1914	the "best" straight line fit to log(DOW) and now, for some more stuff implying that, by Oct/87, the TSE was overpriced ...
10 Does investing All-at-Once beat DCA over 10 months? When is it better to invest all-at-once rather than DCA over ten months? The wee rectangles indicate when.	Cdn Large Cap	Cdn Small Cap	U.S. Large Cap	U.S. Small Cap	European Large Cap	Pacific Large Cap	Some DCA threads you can visit: First This then This
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11 How many months to DCA? How often does "DCA over N months" beat "All-at-Once" (meaning DCA over 1 month). An explanation	Cdn Large Cap	Cdn Small Cap	U.S. Large Cap	U.S. Small Cap	Pacific Large Cap		A thread about RISK 'n such: What's RISK?
12 Randy's Question: How often does DCA over N months lose more than 5% (after the N months are over)?	in the Canadian Large Cap market	in the U.S. Large Cap market	in the Pacific Large Cap market
13 another of Randy's Questions: How often does DCA over N months lose more than 5% at the end of 18 months?	in the Canadian Large Cap market	in the Canadian Small Cap market	in the U.S. Large Cap market	how about DCA over 6 months?
14 Regression to the Mean? Is it true that Mutual Funds eventually become mediocre? visit the thread	the BEST fund where I track the best fund: does it regress to the mean?	the Median mutual fund does it remain mediocre?	First Quartile Funds Do funds in the first quartile remain there?	Fourth Quartile Funds Well?	the Worst Fund Does it improve its performance?
15 Do 2/3 of Returns lie within one Standard Deviation? One often hears this comment from investment gurus. Is it true?	Cdn Large Caps	Cdn Small Caps			the TSE How did it fare? ========>>>	TSE since 1960	Extrapolate from '86
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16 Miscellany	Is there really a Santa Claus Rally?	How 'bout a Summer Rally?	as January goes, so goes the year (?)	Cdn Small vs Large Cap: bar graph Is there a correlation?	Cdn Small vs Large Cap: line graph Mebbe with a line graph?	more on Small Caps	a July holiday effect?"