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Money Matters
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Old 12-23-2013, 05:05 PM   #1
Wraisil
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Spreadsheet for investors, feedback?

If anyone who does investing is interested, I put this together since I haven't been able to find a good tool like it online. This particular spreadsheet shows information about commission-free ETFs through TDAmeritrade but could be updated to do any ETFs or mutual funds. I put in select information (fund names, symbols, fees/expense info, and allocation/diversification information) for each of the selected funds on this sheet. That's step 1 when replacing the funds. Step two is simply to experiment with percent allocation for each fund until the calculated portions match the risk profile/tolerance desired really. There is information on the third tab (second tab has the industry diversification details) but it's probably not going to help most basic investors (i.e. those who aren't going to/haven't got a degree in finance or studied investments extensively) so most people probably will ignore that tab completely.

Anyone got any feedback (or can point out some obvious website that will automatically pull down the data for multiple potential allocations across multiple potentially funds and calculated overall portfolio allocations like this) or suggestions on how I could improve it??

The excel spreadsheet can be downloaded from this link:

http://www.gceenterprises.com/jlcnuk...formation.xlsx
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Old 12-27-2013, 02:34 AM   #2
rapier7
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TD Ameritrade sucks. Switch to Fidelity. It has a much larger choice of commission free iShares ETFs. Although I do like the fact that it also has a selection of Vanguard funds.

Although, to be perfectly honest, your allocation is ****. There's too much overlap. You can simplify it and still retain about 95% of your desired market exposure.

S&P 1500 fund
Total US bond market fund (iShares' AGG)
MSCI EAFE fund
MSCI Emerging market fund
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Old 12-27-2013, 01:27 PM   #3
Wraisil
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Quote:
Originally Posted by rapier7 View Post
TD Ameritrade sucks. Switch to Fidelity. It has a much larger choice of commission free iShares ETFs. Although I do like the fact that it also has a selection of Vanguard funds.

Although, to be perfectly honest, your allocation is ****. There's too much overlap. You can simplify it and still retain about 95% of your desired market exposure.

S&P 1500 fund
Total US bond market fund (iShares' AGG)
MSCI EAFE fund
MSCI Emerging market fund
Fidelity is great as a purely "investment" brokerage. They are significantly behind TDAmeritrade with regard for tools that traders want/need however, hence why I'm with TDAmeritrade.

This spreadsheet is simply an example at this point and will be used by me later to determine which of the new funds available through my 401k (we're switching to Merrill Lynch the beginning of next month and thus having a bunch of changes to our fund selections). The "allocations" shown were simply put in to verify the calculations work and are far from a "recommended portfolio".
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Old 12-27-2013, 04:03 PM   #4
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Trader? That's a bad path to trod down. The best way for a retail investor to make money in financial markets is with a buy-and-hold strategy on low cost index funds.

Edit:

Trading is a rough business. There are MIT math and computer science doctorates working on high frequency trading algorithms designed to exploit price spreads that exist for only milliseconds. Those are the type of people you are going up against when you speculate in financial markets. The great majority of people underperform the underlying market that way.
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Last edited by rapier7; 12-27-2013 at 04:05 PM.
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Old 12-28-2013, 08:59 AM   #5
Wraisil
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My trading money is separate from my retirement investments and I've been doing very well at trading for years. If you read over some older posts on this forum you'd notice that I also do not recommend most people get into trading.
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