Portfolio monthly review – September 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:
09/09/2010   Bought  60.606  HSTIX  @  8.25
09/13/2010   Bought  100  BDT  @  9.399
09/16/2010   Bought  6.586  HSTIX  @  8.41

Stocks dropped from portfolio this month:
09/09/2010 Sold 20 V @ 67.2806

Stocks watched this month:
none

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

Symbol	Qty	Last	Gain($)	Gain(%)	Stop	ATR	Risk to stop (%)
[tag]BDT[/tag]	100	9.75	35.10	3.73	9.20	0.1367	-2.07
[tag]HSTIX[/tag]	67.19	8.57	20.45	3.68	N/A	N/A	N/A

Contribution this month	$50.00
Current [tag]capital exposure[/tag]	5.11%
New positions available to open	1

Starting [tag]account value[/tag]	$1,599.69
Account value (without margin)	$1,550.46
Buying power	$0
[tag]Portfolio[/tag] Gain/Loss for SEPTEMBER 2010	-2.45%
Portfolio Gain/Loss for 2010	-48.86%
[tag]Annual Return[/tag] (CAGR)	-34.19%

Lending Club:

Debt notes

Available cash:	$22.15
In Funding Notes:	$25.00
Outstanding Principal:	$877.45
Accrued Interest:	$6.09
Account Total:	$930.69	Net Annualized Return:	12.41%
Contributions this month:	$100.00
Weighted Average Rate:	12.2628%
Expected Monthly Payments:	$28.25
Payments to Date:	$98.35
Principal Payments:	$72.55
Interest Payments:	$25.80
Late Fees Received:	$0.00
Notes Invested In:	37
Average Note Amount:	$25.00

Net Annualized Rate to date:

Higher than 66% and lower than 34% of all investors.

LENDING CLUB CHARTS

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ROTH IRA Account:

New [tag]stock picks[/tag] this month:
09/07/2010 Bought 4.437 SWDSX @ 11.27
09/16/2010 Bought 2.389 HSTIX @ 8.41
09/20/2010 Bought 6.803 SICNX @ 7.35
09/29/2010 Bought 12.313 HSTIX @ 8.56

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

NTF Mutual Funds

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Port. (%)
AIGYX	83.472	$14.33	$196.16	19.62%	5.34	22
ATIPX	106.395	$9.28	$47.17	5.02%	6.94	18
GABUX	77.118	$6.27	$12.73	2.70%	4.10	9
HISIX	26.918	$7.36	-$1.88	-0.94%	4.73	4
HSTIX	79.699	$8.57	$41.08	6.40%	3.36	13
SICNX	91.068	$7.52	$34.83	5.36%	4.83	13
SWDSX	71.214	$11.78	$34.73	4.32%	3.70	16
SWLSX	29.814	$9.98	$28.62	10.64%	2.16	6

Individual ETFs

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Port. (%)
IGD	29.0	$11.56	-$21.46	-6.02%	10.97	100

Individual stocks

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Port. (%)
JNJ	23.0	$61.75	$66.48	4.91%	3.74	100

Account target and current allocation

Individual stocks	$1,420.25	42%	20%
NTF Mutual funds	$5,369.44	38%	74%
ETFs	$335.24	20%	5%

Asset Allocation vs. Wilshire 5000

Portfolio (%)

Benchmark (%)

Large Cap Value	40.10	37.23
Large Cap Growth	33.08	36.47
Mid/Small Value	17.14	13.37
Mid/Small Growth	9.66	12.94

Stock Stats

Portfolio

Relative to
S&P 500

Avg. Expense Ratio	1.03
P/E Ratio	14.27	1.11
P/B Ratio	1.89	1.03
ROA	6.90	0.86
ROE	17.43	0.86
Projected EPS Growth 5yr%	7.84	0.80
Yield %	4.01	1.98

Contribution this month	$150.00
Starting [tag]account value[/tag]	$6,855.56
Account value	$7,223.11
Dividends received in SEPTEMBER 2010	$40.51
Dividends received in 2010	$278.94
Portfolio dividends yield 2010	3.86%
Portfolio dividends yield lifetime	4.01%
Dividends received lifetime	$363.06
[tag]Portfolio[/tag] Gain/Loss for SEPTEMBER 2010	4.89%
Portfolio Gain/Loss for 2010	-0.59%
[tag]Annual Return[/tag] (CAGR)	-2.84%
[tag]Portfolio Return[/tag] since inception	-10.27%

PORTFOLIO CHARTS

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Here is the progress of my savings goal:

Savings progress

17.90%

Investing Goal

1.44%

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.