Master's MOST AGGRESSIVE - Long term portafolio

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Master

Master

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Today, I bought quite a few funds for my FIDELITY IRA. The funds were chosen with a MOST AGGRESSIVE strategy with a time to retirement of about 20-30 years.


FUND--------1/25/2006--------Allocation
FEMKX ------- $ 20.32 --------4.00%
FEXPX-------- $ 21.99 --------7.54%
FLATX------- $ 35.81 --------12.60%
FLVCX-------- $ 27.29 --------3.55%
FMCSX------ $ 27.99 --------22.63%
FNMIX-------- $ 14.64 ---------5.17%
FOSFX-------- $ 43.12 --------27.12%
FSCOX-------- $ 13.40 ---------3.55%
FSESX-------- $ 75.43 ---------5.67%
FSLBX-------- $ 73.21 ----------4.64%
FSMGX-------- $ 13.92 ---------3.55%

This is a very volatile portafolio. Beware! High risk, high gain, but many ulcers. Plan to hold for several months.
 
FUND--------1/25/2006--------1/26/2006--------change--------YTD
FEMKX-------- $ 20.32 -------- $ 20.51 -------- $ 0.19 -------- + 0.94%
FEXPX-------- $ 21.99 -------- $ 22.23 -------- $ 0.24 -------- + 1.09%
FLATX-------- $ 35.81 -------- $ 36.80 -------- $ 0.99 -------- + 2.76%
FLVCX-------- $ 27.29 -------- $ 27.46 -------- $ 0.17 -------- + 0.62%
FMCSX-------- $ 27.99 -------- $ 28.35 -------- $ 0.36 --------+ 1.29%
FNMIX-------- $ 14.64 -------- $ 14.65 -------- $ 0.01 -------- + 0.07%
FOSFX-------- $ 43.12 -------- $ 43.53 -------- $ 0.41 -------- + 0.95%
FSCOX-------- $ 13.40 -------- $ 13.59 -------- $ 0.19 -------- + 1.42%
FSESX-------- $ 75.43 -------- $ 75.98 -------- $ 0.55 -------- + 0.73%
FSLBX-------- $ 73.21 -------- $ 74.91 -------- $ 1.70 -------- + 2.32%
FSMGX-------- $ 13.92 -------- $ 14.14 -------- $ 0.22 -------- + 1.58%

For allocation described in the first message of this thread:

YTD ---> + 1.30%
 
FUND--------1/25/2006--------1/27/2006--------change--------YTD
FEMKX-------- $ 20.32 -------- $ 20.71 -------- $ 0.39 --------1.92%
FEXPX-------- $ 21.99 -------- $ 22.40 -------- $ 0.41 --------1.86%
FLATX-------- $ 35.81 -------- $ 36.90 -------- $ 1.09 --------3.04%
FLVCX-------- $ 27.29 -------- $ 27.60 -------- $ 0.31 --------1.14%
FMCSX-------- $ 27.99 -------- $ 28.54 -------- $ 0.55 --------1.96%
FNMIX-------- $ 14.64 -------- $ 14.70 -------- $ 0.06 --------0.41%
FOSFX-------- $ 43.12 -------- $ 43.89 -------- $ 0.77 --------1.79%
FSCOX-------- $ 13.40 -------- $ 13.82 -------- $ 0.42 --------3.13%
FSESX-------- $ 75.43 -------- $ 77.11 -------- $ 1.68 --------2.23%
FSLBX-------- $ 73.21 -------- $ 74.62 -------- $ 1.41 --------1.93%
FSMGX-------- $ 13.92 -------- $ 14.27 -------- $ 0.35 --------2.51%

For allocation described in the first message of this thread:

YTD ---> + 2.01% (since 1/25/06)
 
FUND--------1/25/2006--------1/30/2006--------change--------YTD
FEMKX-------- $ 20.32 -------- $ 20.70 -------- $ 0.38 --------1.87%
FEXPX-------- $ 21.99 -------- $ 22.50 -------- $ 0.51 --------2.32%
FLATX-------- $ 35.81 -------- $ 37.29 -------- $ 1.48 --------4.13%
FLVCX-------- $ 27.29 -------- $ 27.82 -------- $ 0.53 --------1.94%
FMCSX-------- $ 27.99 -------- $ 28.70 -------- $ 0.71 --------2.54%
FNMIX-------- $ 14.64 -------- $ 14.69 -------- $ 0.05 --------0.34%
FOSFX-------- $ 43.12 -------- $ 43.87 -------- $ 0.75 --------1.74%
FSCOX-------- $ 13.40 -------- $ 13.85 -------- $ 0.45 --------3.36%
FSESX-------- $ 75.43 -------- $ 79.19 -------- $ 3.76 --------4.98%
FSLBX-------- $ 73.21 -------- $ 74.59 -------- $ 1.38 --------1.88%
FSMGX-------- $ 13.92 -------- $ 14.36 -------- $ 0.44 --------3.16%

For allocation described in the first message of this thread:

YTD ---> + 2.50% (since 1/25/06)
 
FUND--------1/25/2006--------1/31/2006--------change--------YTD
FEMKX-------- $ 20.32 -------- $ 20.86 -------- $ 0.54 --------2.66%
FEXPX-------- $ 21.99 -------- $ 22.53 -------- $ 0.54 --------2.46%
FLATX-------- $ 35.81 -------- $ 37.60 -------- $ 1.79 --------5.00%
FLVCX-------- $ 27.29 -------- $ 27.81 -------- $ 0.52 --------1.91%
FMCSX-------- $ 27.99 -------- $ 28.66 -------- $ 0.67 --------2.39%
FNMIX-------- $ 14.64 -------- $ 14.76 -------- $ 0.12 --------0.82% *** (see below)
FOSFX-------- $ 43.12 -------- $ 44.08 -------- $ 0.96 --------2.23%
FSCOX-------- $ 13.40 -------- $ 13.93 -------- $ 0.53 --------3.96%
FSESX-------- $ 75.43 -------- $ 78.58 -------- $ 3.15 --------4.18%
FSLBX-------- $ 73.21 -------- $ 74.42 -------- $ 1.21 --------1.65%
FSMGX-------- $ 13.92 -------- $ 14.38 -------- $ 0.46 --------3.30%

For allocation described in the first message of this thread:

YTD ---> + 2.75% (since 1/25/06)


Today, the FNMIX share price stayed flat at $14.69, but paid a dividend distribution of 0.0739 per share. To keep the tally for today, I need to add the dividend to the price. FNMIX is invested in high risk international bonds from countries like Brasil, Mexico, and others.
 
FUND--------1/31/2006--------2/1/2006--------change--------YTD
FEMKX-------- $ 20.86 -------- $ 20.89 -------- $ 0.03 --------0.14%
FEXPX-------- $ 22.53 -------- $ 22.40 -------- $ (0.13)--------0.58%
FLATX-------- $ 37.60 -------- $ 37.54 -------- $ (0.06)---------0.16%
FLVCX-------- $ 27.81 -------- $ 27.81 -------- $ 0.00 ---------0.00%
FMCSX-------- $ 28.66 -------- $ 28.71 -------- $ 0.05 --------0.17%
FNMIX-------- $ 14.69 -------- $ 14.70 -------- $ 0.01 ----------0.07%
FOSFX-------- $ 44.08 -------- $ 43.96 -------- $ (0.12)--------0.27%
FSCOX-------- $ 13.93 -------- $ 13.98 -------- $ 0.05 ---------0.36%
FSESX-------- $ 78.58 -------- $ 76.06 -------- $ (2.52)--------3.21%
FSLBX-------- $ 74.42 -------- $ 74.47 -------- $ 0.05 ----------0.07%
FSMGX-------- $ 14.38 -------- $ 14.35 -------- $ (0.03)--------0.21%


11.11% each
=================
Jan: +2.75% (from 1/25/06)
Feb: -0.35%
 
FUND--------1/31/2006--------2/24/2006--------change--------MonthTD

FEMKX-------- $ 20.86 -------- $ 20.83 -------- $ (0.03)---------0.14%
FEXPX-------- $ 22.53 -------- $ 21.87 -------- $ (0.66)---------2.93%
FLATX-------- $ 37.60 -------- $ 38.32 -------- $ 0.72 --------1.91%
FLVCX-------- $ 27.81 -------- $ 27.77 -------- $ (0.04)---------0.14%
FMCSX-------- $ 28.66 -------- $ 28.96 -------- $ 0.30 --------1.05%
FNMIX-------- $ 14.69 -------- $ 14.96 -------- $ 0.27 --------1.84% added 6 cents/share for cap.gains
FOSFX-------- $ 44.08 -------- $ 43.20 -------- $ (0.88)---------2.00%
FSCOX-------- $ 13.93 -------- $ 13.68 -------- $ (0.25)---------1.79%
FSESX-------- $ 78.58 -------- $ 70.17 -------- $ (8.41)---------10.70%
FSLBX-------- $ 74.42 -------- $ 76.35 -------- $ 1.93 --------2.59%
FSMGX-------- $ 14.38 -------- $ 14.12 -------- $ (0.26)---------1.81%


For allocation described at the beginning of the thread.

=================
Jan: + 2.75% (from 1/25/06)
Feb: - 0.81%
 
FUND--------1/25/2006--------3/17/2006--------change--------YTD
FEMKX-------- $ 20.32 -------- $ 20.78 -------- $ 0.46 --------2.26%
FEXPX-------- $ 21.99 -------- $ 21.85 -------- $ (0.14)---------0.64%
FLATX-------- $ 35.81 -------- $ 38.10 -------- $ 2.29 --------6.39%
FLVCX-------- $ 27.29 -------- $ 27.97 -------- $ 0.68 --------2.49%
FMCSX-------- $ 27.99 -------- $ 29.49 -------- $ 1.50 --------5.36%
FNMIX-------- $ 14.64 -------- $ 15.01 -------- $ 0.37 --------2.53% *added 19 cents/share for dividends/cap.gains
FOSFX-------- $ 43.12 -------- $ 44.19 -------- $ 1.07 --------2.48%
FSCOX-------- $ 13.40 -------- $ 13.91 -------- $ 0.51 --------3.81%
FSESX-------- $ 75.43 -------- $ 70.44 -------- $ (4.99)---------6.62%
FSLBX-------- $ 73.21 -------- $ 77.39 -------- $ 4.18 --------5.71%
FSMGX-------- $ 13.92 -------- $ 14.11 -------- $ 0.19 --------1.36%

For allocation described in the first message of this thread:

YTD ---> + 3.03% (since 1/25/06)
 
Ticker--------Initial Allocation --------YTD (includes dividends)
FEMKX---------4.00%-----------------7.03%
FEXPX---------7.54%------------------0.33%
FLATX--------12.60%------------------5.87%
FLVCX--------3.55%-------------------4.32%
FMCSX------22.63%------------------7.37%
FNMIX---------5.17%-------------------0.72%
FOSFX-------27.12%------------------4.62%
FSCOX--------3.55%-----------------10.15%
FSESX--------5.67%-------------------1.49%
FSLBX---------4.64%-------------------5.04%
FSMGX--------3.55%------------------3.30%

Jan. 25 to date ---> + 4.95%
 
After a successful almost 3 months period, I am changing my FIDELITY allocations. The first 25 days of January, the portafolio was in a money market account (described in my other fidelity thread) waiting for the slump that never came; instead, we had a delayed Santa Claus rally. Perhaps, the slump is coming now. At the end of the 3 1/2 months, I still made a bit more than 5% return. I am also consolidating both Fidelity accounts into a single portafolio. My TSP holdings only account for 17.38% of my retirement, thus, I use them for swinging the market typically to a single fund, currently the I fund. My International exposure remains pretty high with 67.4%.

NEW FIDELITY PORTAFOLIO ALLOCATION
Retirement plan is to at least 20-25 years.

FDRXX-------------0.00% (cash)
FEMKX------------3.21%
FEXPX-------------5.68%
FLATX------------10.01%
FLVCX--------------2.78%
FMCSX-----------18.23%
FNMIX---------------3.90%
FOSFX------------23.52%
FSCOX------------14.25%
FSESX------------11.48%
FSLBX--------------3.65%
FSMGX-------------2.77%
FTCHK--------------0.40%
FTEXX---------------0.11%

International --- (FEMKX, FEXPX, FLATX, FOSFX, FSCOX, FNMIX) --- 60.6%
Mid-cap US ---- (FMCSX, FSMGX, FLVCX) ------------------------------------- 23.8%
Sector ----------- (FSESX, FSLBX, FTCHK) --------------------------------------- 15.5%

Out of the International group the one that lags is FEXPX (5.68%), which is 75% US companies that benefit from exporting to international markets. As the dollar falls, they should perform well.
 
The irrational exhuberance of the US rally despite of Oil prices and inflation and primarily fueled by the release of Fed minutes compels me, today, to sell most of the mid-cap holdings I acquired on 1/25/06 including all of FMCSX and FSMGX, as well as FEXPX and FNMIX. I expect a gain today in most of those funds, who will be facing reality by Thursday or Friday. I plan to hold the money in FDRXX (cash) until I can repurchase the funds at lower price. I also got out of TSP - I fund today. (Thus, it is as if my total IRA went from: Sector-13%, S-20% I-67% to: G-47% and I-53%)


FDRXX-------------0.00% (cash)
FEMKX------------3.21%
FEXPX-------------5.68%
FLATX------------10.01%
FLVCX--------------2.78%
FMCSX-----------18.23%
FNMIX---------------3.90%
FOSFX------------23.52%
FSCOX------------14.25%
FSESX------------11.48%
FSLBX--------------3.65%
FSMGX-------------2.77%
FTCHK--------------0.40%
FTEXX---------------0.11%
 
On 4/19, I sold FMCSX, FSMGX, FEXPX and FNMIX. That was about 30.58% of my fidelity portafolio. Today, I am reinvesting that amount (~30.58%) into FOSFX - 60% and FSCOX - 40%. Later, this weekend, I will post the new allocation table and returns for the period.

As you can tell, I am increasing further my International exposure to over 90%. I am bullish about International Funds. Even in days with consolidation in oversea markets, the dollar is propping up their price.
 
This is my new allocation:

FUND---------------Allocation---------------Price
FDRXX--------------0.01%----------------- $ 1.00
FEMKX--------------3.23%--------------- $ 22.69
FLATX-------------10.30%--------------- $ 40.48
FLVCX--------------2.74%--------------- $ 29.23
FOSFX------------41.76%--------------- $ 47.02
FSCOX------------26.46%-------------- $ 15.34
FSESX------------11.43%--------------- $ 77.07
FSLBX--------------3.56%--------------- $ 75.02
FTCHK--------------0.39%--------------- $ 28.57
FTEXX--------------0.10%----------------- $ 1.00
total ---------------100.00%---------------

International: FEMKK, FLATX, FOSFX, FSCOX ================> 81.75%
Sector (energy - FSESX; financial - FSLBX; technology-FTCHK) ====> 15.39%
US opportunities -- FLVCX -----> 2.74%
cash FDRXX, FTEXX ---------- 0.11%

Keep in mind that the Fidelity IRA represents 82.45% of my IRA assets, and that I have 100% of my TSP (17.55%) in the I Fund. Thus, making 85% of assets in the International markets. Betting against the Dollar as Mr. Warren Buffett suggested.
 
Last edited:
These are the returns for the past 3 months (1/25 - 4/28):

FUND--------Allocation--------YTD
FEMKX--------4.00%--------11.97%
FEXPX--------7.54%--------3.01%
FLATX--------12.60%--------13.14%
FLVCX--------3.55%--------7.11%
FMCSX--------22.63%--------10.95%
FNMIX--------5.17%--------1.99%
FOSFX--------27.12%--------7.97%
FSCOX--------3.55%--------14.48%
FSESX--------5.67%--------4.98%
FSLBX--------4.64%--------6.44%
FSMGX--------3.55%--------7.69%
OLD PORTAFOLIO ====> +8.72% (1/25 - 4/28)
NOTE: New portafolio started yesterday.


FIDELITY YTD =====> +10.77% (1/1 - 4/28)
Master's TSP YTD ==> + 9.93%
 
FUND---------------Allocation---------------Price---------------% change
FDRXX--------------0.01%----------------- $ 1.00 ----------------- 0.00%
FEMKX--------------3.23%--------------- $ 22.80 --------------- 0.48%
FLATX-------------10.30%--------------- $ 40.68 --------------- 0.49%
FLVCX--------------2.74%--------------- $ 29.30 ---------------0.24%
FOSFX------------41.76%--------------- $ 47.11 --------------- 0.19%
FSCOX------------26.46%-------------- $ 15.36 -------------- 0.13%
FSESX------------11.43%--------------- $ 78.68 --------------- 2.09%
FSLBX--------------3.56%--------------- $ 73.29 --------------- -2.31%
FTCHK--------------0.39%--------------- $ 28.47 --------------- -0.35%
FTEXX--------------0.10%----------------- $ 1.00 ----------------- 0.00%

NEW Portafolio Return: + 0.3429% (4/28-5/1)

YTD: + 11.15% (1/1 - 5/1)

Price as of May 1, 2006 close.
 
Great day, today! The I-fund went up 0.90%, but my Fidelity portafolio went up by 1.45%.

FUND---------------Allocation---------------Price---------------% change
FDRXX--------------0.01%----------------- $ 1.00 ----------------- 0.00%
FEMKX--------------3.23%--------------- $ 23.16 --------------- 1.58%
FLATX-------------10.30%--------------- $ 41.55 --------------- 2.14%
FLVCX--------------2.74%--------------- $ 29.61 ---------------1.06%
FOSFX------------41.76%--------------- $ 47.63 --------------- 1.10%
FSCOX------------26.46%-------------- $ 15.52 -------------- 1.04%
FSESX------------11.43%--------------- $ 81.21 --------------- 3.22%
FSLBX--------------3.56%--------------- $ 73.96 --------------- 0.91%
FTCHK--------------0.39%--------------- $ 28.60 --------------- 0.46%
FTEXX--------------0.10%----------------- $ 1.00 ----------------- 0.00%

May to date (4/30-TD): ==> +1.79%

YTD (1/1 - TD): =======> +12.75%
 
We lost some ground, but not much.

FUND---------------Allocation---------------Price---------------% change (May 1 -TD)
FDRXX--------------0.01%----------------- $ 1.00 ----------------- 0.00%
FEMKX--------------3.23%--------------- $ 23.19 --------------- 2.20%
FLATX-------------10.30%--------------- $ 41.46 --------------- 2.42%
FLVCX--------------2.74%--------------- $ 29.64 ---------------1.40%
FOSFX------------41.76%--------------- $ 47.26 --------------- 0.51%
FSCOX------------26.46%-------------- $ 15.61 -------------- 1.76%
FSESX------------11.43%--------------- $ 79.90 --------------- 3.67%
FSLBX--------------3.56%--------------- $ 73.65 --------------- -1.83%
FTCHK--------------0.39%--------------- $ 28.65 --------------- 0.28%
FTEXX--------------0.10%----------------- $ 1.00 ----------------- 0.00%

The Fidelity portafolio is currently at +1.394% for past 3 days (4/28 - TD).

The Fidelity portafolio is at +12.31%.

I'm starting to consider selling the FSLBX which has underperformed. Unfortunately, I can not sell FTCHK for a multitude of reasons.
 
I just place a sell order for the FSESX--11.43% and the FSLBX-3.56%. Both of these funds have been kept since at least 1/25. I am investing the FSLBX into FSCOX.
 
I invested the FSESX into FSCOX and FEMKX, with 62.31% into FSCOX (one account) and 37.69% into FEMKX. I will be posting the complete allocations this weekend.
 
For the week, the Fidelity portafolio made a nice gain +3.52%.
According to my statements, the Fidelity portafolio described throughout this and the other thread has produced:

YTD: +15.23%

I had missed to include some dividends paid at the end of April in the prior calculations.

This is the new allocation table (V5), following the moves described in prior messages in the thread:

FUND---------------Allocation---------------NAV
FDRXX--------------0.01%----------------- $ 1.00
FEMKX-------------7.60%--------------- $ 23.60
FLATX-------------10.36%--------------- $ 42.42
FLVCX--------------2.72%--------------- $ 30.16
FOSFX------------41.89%--------------- $ 48.37
FSCOX------------36.95%-------------- $ 15.98
FTCHK--------------0.38%--------------- $ 29.09
FTEXX--------------0.10%----------------- $ 1.00

My portafolio is now 97% international stocks (if you also include the TSP 100% I allocation). Emerging markets, Latin America, Overseas, Intl small cap opportunities, and the I-fund are the holdings. Overseas and the I-fund represent large caps international. Emerging markets and Latin America are dinamic regions with most grow potential. Intl. small caps is a fund that excels at Fidelity due to their research infrastructure.
 
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