Portfolio monthly review – November 2010

Here is a monthly review of my Trading account, Roth IRA account and Lending Club account during a bit bumpy market. In November 2010 the market was correcting which was a great opportunity to buy more shares of stocks, mutual funds or ETFs cheaper.

Trading Account:

New [tag]stock picks[/tag] this month:

Stocks bought or added to portfolio this month:

11/16/2010 Bought 5.663 HSTIX @ 8.83

Stocks dropped from portfolio this month:
none

Stocks watched this month:
none

Existing & new [tag]holdings[/tag]:

Symbol	Qty	Last	Gain($)	Gain(%)	Stop	ATR	Risk to stop (%)
[tag]BDT[/tag]	100	10.47	107.10	11.39	9.20	0.1367	-2.07
[tag]HSTIX[/tag]	78.55	9.16	52.83	7.34	N/A	N/A	N/A

Contribution this month	$50.00
Current [tag]capital exposure[/tag]	-1.71%
New positions available to open	1

Starting [tag]account value[/tag]	$1,692.06
Account value (without margin)	$1,766.47
Buying power	$0
[tag]Portfolio[/tag] Gain/Loss for NOVEMBER 2010	4.40%
Portfolio Gain/Loss for 2010	-43.60%
[tag]Annual Return[/tag] (CAGR)	-29.14%

Lending Club:

Debt notes

Available cash:	$12.52
In Funding Notes:	$0.00
Outstanding Principal:	$1,325.22
Accrued Interest:	$7.33
Account Total:	$1,345.08	Net Annualized Return:	12.41%
Contributions this month:	$300.00
Weighted Average Rate:	11.50%
Expected Monthly Payments:	$37.69
Payments to Date:	$169.82
Principal Payments:	$127.08
Interest Payments:	$42.74
Late Fees Received:	$0.00
Notes Invested In:	58
Average Note Amount:	$25.00

Net Annualized Rate to date:

Higher than 68% and lower than 32% of all investors.

I am rushing to fulfill my plan as quickly as possible. Therefore I was making some additional contributions. Here is how I am doing so far:

Lending Club Goal

21.73%

ROTH IRA Account:

New [tag]stock picks[/tag] this month:
11/08/2010 Bought 4.023 SWDSX @ 12.43
11/22/2010 Bought 6.369 SICNX @ 7.85
11/29/2010 Bought 7.072 HSTIX @ 8.90
12/01/2010 Bought 32.092 PAXHX @ 7.79

Existing & new [tag]holdings[/tag]:

NTF Mutual Funds

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Port. (%)
AIGYX	83.472	$14.83	$237.90	23.79%	3.84	20
ATIPX	106.395	$9.28	$47.17	5.02%	5.61	16
GABUX	77.118	$6.31	$15.82	3.36%	4.36	8
HISIX	26.918	$7.44	$0.27	0.13%	3.63	3
HSTIX	104.676	$9.16	$97.47	11.32%	3.36	15
PAXHX	32.092	$7.80	$0.32	0.13%	7.57	4
SICNX	103.864	$7.81	$61.18	8.16%	4.25	13
SWDSX	79.439	$12.50	$88.80	9.82%	2.85	16
SWLSX	29.814	$10.96	$57.84	21.51%	1.74	5

Individual ETFs

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Port. (%)
IGD	29.0	$11.43	-$25.23	-7.07%	10.54	100

Individual stocks

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Port. (%)
JNJ	23.0	$62.60	$86.03	6.36%	3.46	100

Account target and current allocation

Individual stocks	$1,439.80	42%	18%
NTF Mutual funds	$6,252.20	38%	78%
ETFs	$331.47	20%	4%

Asset Allocation vs. Wilshire 5000

Portfolio (%)

Benchmark (%)

Large Cap Value	40.36	36.46
Large Cap Growth	32.52	37.14
Mid/Small Value	17.20	13.32
Mid/Small Growth	9.93	13.08

Stock Stats

Portfolio

Relative to
S&P 500

Avg. Expense Ratio	1.01
P/E Ratio	13.94	0.99
P/B Ratio	1.88	0.93
ROA	6.90	0.82
ROE	16.89	0.80
Projected EPS Growth 5yr%	8.31	0.86
Yield %	3.84	1.97

Contribution this month	$350.00
Starting [tag]account value[/tag]	$7,971.26
Account value	$8,028.00
Dividends received in NOVEMBER 2010	$12.94
Dividends received in 2010	$304.70
Portfolio dividends yield 2010	3.80%
Portfolio dividends yield lifetime	4.84%
Dividends received lifetime	$388.82
[tag]Portfolio[/tag] Gain/Loss for NOVEMBER 2010	0.71%
Portfolio Gain/Loss for 2010	2.72%
[tag]Annual Return[/tag] (CAGR)	-1.74%
[tag]Portfolio Return[/tag] since inception	-6.65%

PORTFOLIO CHARTS

Click to enlarge

Here is the progress of my savings goal:

Savings progress

20.84%

Investing Goal

1.61%

My overall investing goal is to reach $500k prior to reaching retirement age or earlier. Since I have started quite late I will be looking for options how to boost my savings.