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Welcome to our BEI portfolios. We have constructed three model portfolios. Each is for a suggested investment of $100,000. If the amount reflected in the total box is above or below the original $100,000, the portfolio has increased or decreased in value accordingly as of the date posted at the beginning of the portfolio notes that appear below the table. The portfolios are designed according to the following risk parameters.
- Conservative Model. This portfolio is for the individual or family investor that desires to take less risk than most. As a rule, those interested in this approach are older investors on limited income who cannot afford any significant losses in their investments because they need the income or near-term future income for expenses of living. The portfolio is also useful if you managing funds for an older person where income and immediate access to capital are important.
- Medium Risk Model. This portfolio is for young to middle-aged investors who are working and/or actively adding to their investments. Reasons to invest normally are retirement, education for children or grand children to take place at least ten years in the future or a specific goal such as down payment on or outright purchase of a home or business. Some additional risk is warranted because the typical investor using ideas from this model will have a longer period of time to recover from declines in some of the investments in the model, should they occur.
- Aggressive Model. This portfolio is for individuals who have a higher risk tolerance. Investors who can understand the reasoning behind the recommendations and agree with them may feel comfortable stepping a little beyond the Conservative and Medium Risk Models. Usually, such an investor is well familiar with the process, understands that money can be lost, and can quickly reemploy funds when market conditions warrant.
All three of our models are general and are not to be used specifically. BEI does not provide investment, tax or legal advice. Our information is from sources we think reliable, but there are no guarantees. BEI, its officers and directors may have positions in investments discussed herein. We do not sell securities or insurance. The three models above do not apply uniformly to all investors. If you want individualized help on securities, insurance, legal matters or taxes, see your own advisor. For asset protection and precious metals brokerage, (except on contact us at (888) 447-7296. All calls confidential. No charge for initial consultation. Details available on request.)
Each portfolio begins with an assumed $100,000. The percentages in each might be somewhat different if substantially more or less dollars is committed to invesment. In the right hand column of each investment is our recommendation of buy, hold or sell. Unless otherwise indicated in the notes, buy means at the current price or less and sell means at the current price or more.
Gain/Loss and invested totals are approximate since prices per unit are often not even. Percentage gain/loss are based on the difference between purchase price and current price. Unless ‘sold’ is indicated, the positions have not been liquidated. Thus annual return is not available. It can be calculated when a position is closed out. Unless otherwise noted, cash from closed positions has been reallocated to new purchases or the money market fund category. Invested column does not include additions. The purpose of this page is to stimulate ideas. It is not intended to be adopted for personal use. By design, the publisher is NOT a registered investment advisor.(1) Also, we do not take any compensation for mentioning any security in this report. No statement herein is an offer to sell or solicitation to buy any securities or investment mentioned herein.
(1) We have no registered investment advisors or licensed brokers. However, we have thirty-five years of experience in the financial services business. We particularly have avoided the licensure route since it is often perceived to hamper good advisors into following a required mold. Requirements aside, we do follow the well known investment prudent man rule. Also, when specific, individual advice is needed, we are happy to recommend several experienced sources. ****
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Are We Market Timers?
We are often asked why we did not warn our readers about the recent correction. "If you had done so", one older woman said, "I would have sold off my gold shares two weeks ago and bought them back now!"
Well, in retrospect, we should have! Problem is, no one - absolutely no one - knows how to time these things. We can see indicators, yes. But when they will trigger a sell-off is impossible to tell. There are so-called gurus who claim to do it, but even when successful, they are not consistently so. Eventually, they fall from grace.
Last year, we tried it. We put out an e-mail telling our readers to dump gold and silver , gold and silver shares and energy related investments. We said a correction would cause a quick drop. Then, it would be time to buy back in. What happened? We got our dip - but it was for only two trading days! No one had time to react! Even with rapid communications, this kind of lightening fast trading is not for most people. We, and most of you, are not the so-called "day traders" that sit in front of two or three screens all day and can catch even the briefest wind of change. As a result, we changed our policy. We will recommend change only when the primary trend changes or when events with a particular company or investment dictate a clear change in its fortunes.
We believe that careful observation of medium to long-term trends is a far more reliable way to invest for most people. That said, if you have the time, feel free to try to guess the short-term! Let us know how you do!
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