Weekly Newsletter   Challenge account


Portfolio monthly review – October 2010

Monthly review of my Trading account, Roth IRA account and Lending Club account

Trading Account:

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

Stocks bought or added to portfolio this month:

10/19/2010   Bought  5.690  HSTIX  @  8.72

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 9.97  57.15 6.08 9.20 0.1367 -2.07
[tag]HSTIX[/tag] 72.88 8.85  26.61 4.12 N/A N/A N/A

 

Contribution this month $50.00
Current [tag]capital exposure[/tag] -1.79% Learn more
New positions available to open 1 Learn more
Starting [tag]account value[/tag] $1,600.46
Account value (without margin) $1,642.06 
Buying power $0
[tag]Portfolio[/tag] Gain/Loss for OCTOBER 2010 2.60%
Portfolio Gain/Loss for 2010 -46.72%
[tag]Annual Return[/tag] (CAGR) -31.97%

 

Lending Club:

 

Debt notes
Available cash: $16.80
In Funding Notes: $50.00
Outstanding Principal: $962.53
Accrued Interest: $5.26
Account Total: $1034.59  Net Annualized Return: 12.45% 
Contributions this month: $100.00
Weighted Average Rate: 12.01%
Expected Monthly Payments: $29.56
Payments to Date: $123.54
Principal Payments: $89.77
Interest Payments: $33.77
Late Fees Received: $0.00
Notes Invested In: 42
Average Note Amount: $25.00
Net Annualized Rate to date: Higher than 67% and lower than 33% of all investors.

This month I decided to sell one loan which became dangerous to me. The borrower was becoming late in payments, always contacting Lending Club and promising to pay. Lending Club put this borrower on a payment plan. Even though the borrower paid in grace period so far I had a feeling that he/she may default one day. This loan was one of my very first loans when I didn’t have my rules set yet. After I made my rules, this loan didn’t pass them, so I decided to sell this loan. The borrowed loan amount was 25,000 dollars with $839.16 monthly payments and although the borrower was claiming things such as “I have never been without a job – and that’s the ttuth (sic). I have offers fairly consistently even in this economy. I have a Computer science degree, over 20 years in this industry plus PMP certifcation (sic) for project management.” and claiming good job, good money and so on. Her credit score dropped from 414-749 to 550-599 range. Also here is the history of Collecting log:

10/3/10 (Sunday) Borrower promised to pay
10/3/10 (Sunday) Borrower contacted Lending Club
9/2/10 (Thursday) Borrower promised to pay
9/2/10 (Thursday) Borrower contacted Lending Club
8/2/10 (Monday) Borrower promised to pay
8/2/10 (Monday) Borrower contacted Lending Club
7/26/10 (Monday) PAYMENT received
7/21/10 (Wednesday) Attempted to collect payment
7/15/10 (Thursday) Sent email to borrower
7/15/10 (Thursday) Attempted to contact borrower (left voicemail)
7/15/10 (Thursday) PAYMENT Failed

The second payment failed. It seems to me that this borrower haven’t used the money as she claimed. When looking at the history of her payments the amount of borrowed money I didn’t have more trust in this borrower and decided to sell via FOLIOfn before this loan defaults at all.

LENDING CLUB CHARTS

Lending Club Interest
Click to enlarge
Lending Club NAR
Click to enlarge

ROTH IRA Account:

New [tag]stock picks[/tag] this month:
10/04/2010 Bought 5.668 HSTIX @ 8.50
10/06/2010 Bought 4.202 SWDSX @ 11.90
10/20/2010 Bought 6.427 SICNX @ 7.78
10/29/2010 Bought 12.237 HSTIX @ 8.85

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

NTF Mutual Funds
Symbol Qty Last Gain($) Gain(%) Div.
Y(%)
Port.
(%)
AIGYX 83.472 $14.79  $234.56 23.46% 5.34 21
ATIPX 106.395 $9.35  $54.62 5.81% 6.94 17
GABUX 77.118 $6.30  $15.04 3.20% 4.10 8
HISIX 26.918 $7.51  $2.15 1.08% 4.73 4
HSTIX 97.604 $8.85  $65.38 8.19% 3.36 15
SICNX 97.495 $7.80  $60.46 8.64% 4.83 13
SWDSX 75.416 $12.08  $56.85 6.66% 3.70 16
SWLSX 29.814 $10.48  $43.53 16.19% 2.16 5
Individual ETFs
Symbol Qty Last Gain($) Gain(%) Div.
Y(%)
Port.
(%)
IGD 29.0 $11.73  -$16.53 -4.63% 10.22 100
Individual stocks
Symbol Qty Last Gain($) Gain(%) Div.
Y(%)
Port.
(%)
JNJ 23.0 $63.74  $112.25 8.29% 3.40 100
Account target and current allocation
Individual stocks $1,466.02 42% 19%
NTF Mutual funds $5,765.07 38% 76%
ETFs $340.17 20% 4%
Asset Allocation vs. Wilshire 5000 Portfolio (%) Benchmark (%)
Large Cap Value 39.82 37.59
Large Cap Growth 32.76 36.15
Mid/Small Value 17.61 13.34
Mid/Small Growth 9.82 12.94
Stock Stats Portfolio Relative to
S&P 500
Avg. Expense Ratio 1.02
P/E Ratio 13.87 1.08
P/B Ratio 1.84 1.00
ROA 6.99 0.88
ROE 17.64 0.87
Projected EPS Growth 5yr% 8.03 0.82
Yield % 3.91 1.93

Contribution this month $225.00
Starting [tag]account value[/tag] $7,448.11
Account value $7,621.26 
Dividends received in OCTOBER 2010 $16.46
Dividends received in 2010 $287.24
Portfolio dividends yield 2010 3.77%
Portfolio dividends yield lifetime 3.91%
Dividends received lifetime $371.36
[tag]Portfolio[/tag] Gain/Loss for OCTOBER 2010 4.18%
Portfolio Gain/Loss for 2010 2.08%
[tag]Annual Return[/tag] (CAGR) -2.05%
[tag]Portfolio Return[/tag] since inception -7.62%

PORTFOLIO CHARTS

Portfolio vs. Benchmark
Click to enlarge

Here is the progress of my savings goal:

Savings progress
19.22%  

Investing Goal
1.52%  

 

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.


Are you interested in Reverse Scale Strategy and see how it works when implemented to even a small account?

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