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Saturday, April 27, 2019
Commission-Free ETFs on TD Ameritrade
Here is the article.
Cohen & Steers Real Estate Securities Fund, Inc. Class Institutional CSDIX
Here is the link. The fund link on morningstar is here.
It is one of my 401 K par tech fund. I just could not believe that $10,000 dollars in 2009, now it worths more than $60,000 dollars.
Real Estate is a cyclical industry that is sensitive to interest rates, economic conditions (both nationally and locally), property tax rates, and other factors. Changes in real estate values or economic downturns can have a significant negative effect on issuers in the real estate industry. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Sector funds can be more volatile because of their narrow concentration in a specific industry. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available.
Short Term Redemption Fee
None
Who May Want To Invest
Someone who is willing to accept the potentially lower diversification and higher risks associated with investing in a particular industry or sector.
Someone who is seeking to complement his or her core holdings with investments concentrated in a particular sector or industry.
I did purchase $300.00 US dollar on my 401 K Par technologies Charles Schwab. I will learn from the experience.
It is one of my 401 K par tech fund. I just could not believe that $10,000 dollars in 2009, now it worths more than $60,000 dollars.
Real Estate
Real Estate is a cyclical industry that is sensitive to interest rates, economic conditions (both nationally and locally), property tax rates, and other factors. Changes in real estate values or economic downturns can have a significant negative effect on issuers in the real estate industry. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Sector funds can be more volatile because of their narrow concentration in a specific industry. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available.
Short Term Redemption Fee
None
Who May Want To Invest
Someone who is willing to accept the potentially lower diversification and higher risks associated with investing in a particular industry or sector.
Someone who is seeking to complement his or her core holdings with investments concentrated in a particular sector or industry.
Actionable Item
I did purchase $300.00 US dollar on my 401 K Par technologies Charles Schwab. I will learn from the experience.
Par tech 401 K asset allocation
| April 27, 2019 It is the first time I read all funds available in my plan. I decide to make some transfer today. I should do this every year starting from 2008 to 2019. 2019-04-27 Asset allocation |
||||||
| Name | Amount | |||||
| Fidelity 500 Index $500 | $ 500.00 | |||||
| T. Rowe Price Blue Chip Growth $1000 | $ 1,000.00 | |||||
| Pioneer Equity Income Y $500 | $ 500.00 | |||||
| Fidelity Mid Cap Index $300 | $ 300.00 | |||||
| T. Rowe Price Mid-Cap Growth Adv $300 | $ 300.00 | |||||
| Wells Fargo Special Mid Cap Value Inst $300 | $ 300.00 | |||||
| Fidelity Small Cap Index $300 | $ 300.00 | |||||
| Hartford Small Cap Growth HLS IB $300 | $ 300.00 | |||||
| Delaware Emerging Markets Instl $500 | $ 300.00 | |||||
| Fidelity International Index $500 | $ 300.00 | |||||
| American Funds Europacific Growth R3 $500 | $ 500.00 | |||||
| Cohen & Steers Real Estate Securities I $800 | $ 300.00 | |||||
| Fidelity US Bond Index $300 | $ 300.00 | |||||
| Western Asset Core Plus Bond I | $ 300.00 | |||||
| PIMCO Income Instl $1000 | $ 700.00 | |||||
| total | $ 6,200.00 | |||||
| Notes: | 1. Index fund is all time high, less contribution | |||||
| 2. Put bond and REIT up to $1300 | ||||||
| 3. I still like to put at least 25% on growth equities | ||||||
| 4. Diversify on equity location, now
US stock is all time high, I put other countries as well 5. Plan to sell everything and move to Bond fund in 12 months. |
||||||
Par tech 401 K asset allocation - Draft 1
April 27, 2019
I like to take a few buckets and diversify my asset. I like to have bucket of bond fund, bucket of REIT, bucket international fund, bucket of US index fund. I also learn how to re-balance if market has corrections or bear market
My plan
I should not put all asset into Fidelity 500 Index. Now it is too high. I have some difficulty to work on total amount, I have to move the calculation into Excel sheet.
Large company $2000
Fidelity 500 Index $500
T. Rowe Price Blue Chip Growth $1000
Pioneer Equity Income Y $500
Small/ Mid Co. 1500
Fidelity Mid Cap Index $300
T. Rowe Price Mid-Cap Growth Adv $300
Wells Fargo Special Mid Cap Value Inst $300
Fidelity Small Cap Index $300
Hartford Small Cap Growth HLS IB $300
Intl/ Global $1500
Speciality
Introduction
I like to take a few buckets and diversify my asset. I like to have bucket of bond fund, bucket of REIT, bucket international fund, bucket of US index fund. I also learn how to re-balance if market has corrections or bear market
My plan
I should not put all asset into Fidelity 500 Index. Now it is too high. I have some difficulty to work on total amount, I have to move the calculation into Excel sheet.
Large company $2000
Fidelity 500 Index $500
T. Rowe Price Blue Chip Growth $1000
Pioneer Equity Income Y $500
Small/ Mid Co. 1500
Fidelity Mid Cap Index $300
T. Rowe Price Mid-Cap Growth Adv $300
Wells Fargo Special Mid Cap Value Inst $300
Fidelity Small Cap Index $300
Hartford Small Cap Growth HLS IB $300
Intl/ Global $1500
Delaware Emerging Markets Instl $500
Fidelity International Index $500
American Funds Europacific Growth R3 $500
Speciality
Cohen & Steers Real Estate Securities I $800
Par tech 401 K
Large company
Fidelity 500 Index
T. Rowe Price Blue Chip Growth
Pioneer Equity Income Y
Small/ Mid Co.
Fidelity Mid Cap Index
T. Rowe Price Mid-Cap Growth Adv
Wells Fargo Special Mid Cap Value Inst
Fidelity Small Cap Index
Hartford Small Cap Growth HLS IB
Intl/ Global
Delaware Emerging Markets Instl
Fidelity International Index
American Funds Europacific Growth R3
Speciality
Cohen & Steers Real Estate Securities I
Balanced
Oakmark Equity And Income Investor
American Funds 2015 Trgt Date Retire R5E
American Funds 2020 Trgt Date Retire R5E
American Funds 2025 Trgt Date Retire R5E
American Funds 2030 Trgt Date Retire R5E
American Funds 2035 Trgt Date Retire R5E
American Funds 2040 Trgt Date Retire R5E
American Funds 2045 Trgt Date Retire R5E
American Funds 2050 Trgt Date Retire R5E
American Funds 2055 Trgt Date Retire R5E
American Funds 2060 Trgt Date Retire R5E
Bonds
Fidelity US Bond Index
Western Asset Core Plus Bond I
PIMCO Income Instl
Capital preservation
Reliance MetLife GAC Series 25053 Class 15
Par tech 401 K plan study - Large company
April 27, 2019
It is my personal finance research. I have to spend time to read all funds available for me to purchase. I like to spend 20 minutes for each section.
Par tech 401 K
Name
Returns type
Asset Class
3 mo
Calendar YTD
1 yr
5 yr*
10 yr*
Inception*
Inception Date
Return as of
Introduction
It is my personal finance research. I have to spend time to read all funds available for me to purchase. I like to spend 20 minutes for each section.
Par tech 401 K
Name
Returns type
Asset Class
3 mo
Calendar YTD
1 yr
5 yr*
10 yr*
Inception*
Inception Date
Return as of
33598 GEORGE FERGUSON WAY
204 asking price $225,000
2 bedroom one bath room
Sale history:
202 1 bedroom
206
302
303
2 bedroom one bath room
Sale history:
202 1 bedroom
| Dec 13, 2017 | $74,000 |
206
Total value
2019 assessment as of July 1, 2018
$200,700
Previous year value
$150,800
| Apr 21, 2018 | $205,000 |
302
Total value
2019 assessment as of July 1, 2018
$157,100
Previous year value
$118,300
| Jul 24, 2018 | $183,000 |
303
Sales history (last 3 full calendar years)
| Mar 8, 2018 | $210,000 |
| Sep 14, 2017 | $135,000 |
April 18 to April 22 2019 algorithm practice
April 27, 2019
Introduction
It is better to get organized. I like to put together all algorithms I spent time to write last long weekend.
Long weekend algorithm practice
229. Majority Element II
402. Remove K Digits - brute force solution one sharing on Leetcode.com
402. Remove K Digits - using stack
1031. Maximum Sum of Two Non-Overlapping Subarrays
LeetCode 675. Cut Off Trees for Golf Event
402. Remove K Digits - brute force solution one sharing on Leetcode.com
402. Remove K Digits - using stack
1031. Maximum Sum of Two Non-Overlapping Subarrays
LeetCode 675. Cut Off Trees for Golf Event
Leetcode 402: remove K digits - Using stack document my practice using my own blog
Leetcode 75: Sort Colors
Leetcode 402: remove K digits - Brute force solution
Leetcode 75: Sort Colors
Leetcode 402: remove K digits - Brute force solution
Actionable Items
There are so many problems for me to look into after 3 day algorithm practice. I have issues with basic loops writing, stack data structure, graph algorithm, and also all kinds of issues.
It is not easy to advance myself in terms of weekly contest ranking. One thing I can do is to solve more algorithms on Leetcode.com.
One idea is to solve two mock interview algorithm on Leetcode.com every day.
It is not easy to advance myself in terms of weekly contest ranking. One thing I can do is to solve more algorithms on Leetcode.com.
One idea is to solve two mock interview algorithm on Leetcode.com every day.
Friday, April 26, 2019
Case study: online code assessment preparation
April 26, 2019
It is so challenging for me to prepare online code assessment. I have to push myself hard to prepare, one idea is to work on mock interview on Leetcode.com.
Here are the algorithms I worked on from April 18 to April 22, 2019. I worked on a few random set algorithms, one mock interview I solved two algorithm, second one I did not solve any of those two. I was so surprised to learn the fact that I need to work hard and quickly master those basic algorithms again.
I chose to use those mock interview algorithms to test my problem solving status. I had chance to use those 38 algorithms to help me prepare for online assessment.
Total random set number is 28. I exhausted all random set algorithm in the first two categories, online assessment and phone interview.
Introduction
It is so challenging for me to prepare online code assessment. I have to push myself hard to prepare, one idea is to work on mock interview on Leetcode.com.
My preparation
Here are the algorithms I worked on from April 18 to April 22, 2019. I worked on a few random set algorithms, one mock interview I solved two algorithm, second one I did not solve any of those two. I was so surprised to learn the fact that I need to work hard and quickly master those basic algorithms again.
I chose to use those mock interview algorithms to test my problem solving status. I had chance to use those 38 algorithms to help me prepare for online assessment.
Total random set number is 28. I exhausted all random set algorithm in the first two categories, online assessment and phone interview.
13 easy 22 medium 3 hard
Easy level
20. Valid Parentheses
66. Plus One
101. Symmetric Tree
125. Valid Palindrome
155. Min Stack
160. Intersection of Two Linked Lists
171. Excel Sheet Column Number
206. Reverse Linked List
242. Valid Anagram
387. First Unique Character in a String
680. Valid Palindrome II
953. Verifying an Alien Dictionary
977. Squares of a Sorted Array
Medium level
15. 3Sum
17. Letter Combinations of a Phone Number
31. Next Permutation
33. Search in Rotated Sorted Array
43. Multiply Strings
49. Group Anagrams
56. Merge Intervals
75. Sort Colors
79. Word Search
102. Binary Tree Level Order Traversal
139. Word Break
165. Compare Version Numbers
199. Binary Tree Right Side View
223. Rectangle Area
235. Lowest Common Ancestor of a Binary Search Tree
322. Coin Change
402. Remove K Digits
540. Single Element in a Sorted Array
567. Permutation in String
791. Custom Sort String
833. Find And Replace in String
909. Snakes and Ladders
Hard level
140. Word Break II
282. Expression Add Operators
895. Maximum Frequency Stack
Actionable Items
In order to prepare Microsoft online code assessment on April 23, I went over over 20 random set mock interview algorithms on Leetcode.com. I stuck on a few algorithms, easy medium and hard level.
The preparation is also helpful for me to improve my weekly contest performance.
I do not have time to write code for every algorithm. I just choose to spend 5 to 10 minutes and see if I can come out the idea how to solve the problem. And then I terminate the interview and quickly look up the algorithm and solution on Leetcode.com
I put together a github page called online assessment preparation.
Here are the random set with algorithms I worked on.
I use over 15 set algorithms to prepare myself to work on various algorithms.
Does Taking on Investment Risk Deliver Higher Returns?
Here is the link.
I like to learn from this level 1 to 4 risk investment.
Safe, no risk investment
Level 2, 5 Yr treasures
Level 3, moderate investment
Level 4, S&P 500 Index
I like to learn from this level 1 to 4 risk investment.
Safe, no risk investment
Level 2, 5 Yr treasures
Level 3, moderate investment
Level 4, S&P 500 Index
20 Years of Stock Market Returns, by Calendar Year
Here is the article.
I like to learn a few concepts from the article.
Time in the market vs. timing the market
Sequence risk
Historial S&P 500 Index Stock market returns
Year Percent (%) Return
1986 18.5
1987 5.2
1988 16.8
1989 31.5
1990 -3.1
1991 30.5
1992 7.6
1993 10.1
1994 13
1995 37.6
1996 23.7
1997 33.4
1998 28.6
1999 21.0
2000 -9.1
2001 -11.9
2002 -22.1
2003 28.7
2004 10.9
2005 4.9
2006 15.8
2007 5.5
2008 -37.0
2009 26.5
2010 15.1
2011 2.1
2012 16.0
2013 32.4
2014 13.7
2015 1.4
2016 11.9
Go over an example, 2008 bear market, index dropped 37%, how long does it take to recover?
I like to learn a few concepts from the article.
Time in the market vs. timing the market
Sequence risk
Historial S&P 500 Index Stock market returns
Year Percent (%) Return
1986 18.5
1987 5.2
1988 16.8
1989 31.5
1990 -3.1
1991 30.5
1992 7.6
1993 10.1
1994 13
1995 37.6
1996 23.7
1997 33.4
1998 28.6
1999 21.0
2000 -9.1
2001 -11.9
2002 -22.1
2003 28.7
2004 10.9
2005 4.9
2006 15.8
2007 5.5
2008 -37.0
2009 26.5
2010 15.1
2011 2.1
2012 16.0
2013 32.4
2014 13.7
2015 1.4
2016 11.9
Case study: 2008 recession
Go over an example, 2008 bear market, index dropped 37%, how long does it take to recover?
$1000 2008 loss -37%
$797 2009 26.5%
$917 2010 15.1%
2011 2.1%
$1080 2012 16%
If there is no more investment from 2009 to 2012, it will take 4 years to recover the loss.
The uplifting news is this, despite the bad press about the stock market and the risk associated with dipping your financial toes in the ponds of stock investing, America's financial markets produce great wealth for its participants over time. Stay invested for the long-haul, continue to add to your investment, and manage risk appropriately, you will meet your financial goals.
How to train myself daily on algorithm?
April 26, 2019
It is hard for me to come out the idea how to train myself daily. I took a long break from Nov. 2018 to March 2019 since I chose to work on personal finance research. I like to come back to work on algorithm and data structure problem solving daily. What are good ideas to work on.
One of ideas is to work on Leetcode.com mock interview code screen, real company, and onsite interview. I exhausted all options for code screen, real company; I did work on a few mock interview and real company, and then later I just use them to train myself thinking process, can I come out optimal solution to solve the problem?
It works very well, since I found out that I stuck on a few algorithm from study from April 18 to 22, 2019..
Introduction
It is hard for me to come out the idea how to train myself daily. I took a long break from Nov. 2018 to March 2019 since I chose to work on personal finance research. I like to come back to work on algorithm and data structure problem solving daily. What are good ideas to work on.
One idea working very well
One of ideas is to work on Leetcode.com mock interview code screen, real company, and onsite interview. I exhausted all options for code screen, real company; I did work on a few mock interview and real company, and then later I just use them to train myself thinking process, can I come out optimal solution to solve the problem?
It works very well, since I found out that I stuck on a few algorithm from study from April 18 to 22, 2019..
Dodge & Cox Stock (DODGX)
April 26, 2019
Introduction
It is time for me to learn a few actively managed fund recommended by Morning star back in 2011.
Introduction
It is time for me to learn a few actively managed fund recommended by Morning star back in 2011.
Case study: Trendium 401 K investment
April 26, 2019
It is my personal finance research. I like to do a short case study on my Trendium 401 K investment from 2000 to 2001, and then from 2002 to 2019.
Introduction
It is my personal finance research. I like to do a short case study on my Trendium 401 K investment from 2000 to 2001, and then from 2002 to 2019.
Case study: Online gaming system 401 K investment
April 26, 2019
It is my personal finance research. I like to do a case study on my online gaming system 401 K investment from 1998 December to 2019. It is 21 years experience and what I have learned through those years.
Introduction
It is my personal finance research. I like to do a case study on my online gaming system 401 K investment from 1998 December to 2019. It is 21 years experience and what I have learned through those years.
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