A long term IRA Portfolio Journal

I made plenty of mistakes my first year, primarily through trading and not investing. Again I joined stock markets race during Y2k melt-up situations. Everyone is talking about stocks during break time & this is first job in USA & took trading route. Just to make some quick bucks here.  But after 15K losses, With marriage, my philosophy has changed. All investing is limited to spouse IRA and my 401K only.  It essentially remains thus: build a core of 5 diversified funds with low expense ratio and 10 dividend paying equities, reinvest the dividends and allow them to grow. I don't have a lot of hard and fast rules for my holdings other than they must pay at least 5%. Also if a stock/fund give more than 25% of profits, sell 50% of position and lock the profits.

Currently, the retirement Portfolio consists of five funds and 20 odd stocks. Most of the stocks picks are 5 years old. I am holding some of these funds for 15+ years.

List of funds are:

Ø  VEMAX( Vanguard Emerging Markets Stock Index Fund Admiral Sh )

Ø   VGENX ( Vanguard Energy Fund Investor Shares )

Ø   VGPMX ( Vanguard Global Capital Cycles Fund )

Ø   VGHCX ( Vanguard Health Care Fund Investor Shares )

Ø   VGSLX ( Vanguard Real Estate Index Fund Admiral Shares)

Ø  VFIAX ( Vanguard 500 Index Fund Admiral Shares)

List of stocks includes

BEP

BIP

AMZA

REML

DX

CHI

GUT

ARCC

CII

EXG

APLE

BGR

RRC

PCI

AM

VEON

BGCP

AWP

CHMI

AMLP

GDX

I am not a financial analyst. I am not an expert in money, monetary policy, investment theories, theorems. My blog article should not be taken as advice, financial or otherwise, or as a statement of the right or proper way to do things. What I am is a regular guy, middle-aged, with a life full of past mistakes, most of which, I hope, I have learned enough from to continue forward in a positive direction. I am certainly not an expert in anything, but I am willing to learn, to ask right questions and take some risks.

At the end of December, the IRA is 20 years & I portfolio returned ~4.5% over last 20 years. But my point with this blog spot is long term view really works.  Regularly invest from paycheck and diversify and stay calm and ignore all the noise. Also always keep 5% of money in cash form. Sometime, if you find real value in anything, this helps.