Back to KirkLindstrom.com - Kirk's Two Investment Letters - Best Retirement Portfolio For You
Kirk Windsurfing at Palo Alto in SF Bay in May 2009
 Kirk's Two Investment Letters
 Kirk Windsurfing at Coyote Point November 2009
I write two different, but related, newsletters
 
 "Kirk Lindstrom's Investment Letter"
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I write two different, but related, newsletters, "The Retirement Advisor" and Kirk Lindstrom's "Core and Explore" Investment Letter Service.

#1 "Kirk Lindstrom's Investment Letter Service" is $155 a year and uses the "core and explore" method to invest. It has two core portfolios plus an explore portfolio of individual stocks.
  • My Explore portfolio has an exceptional record using excellent stock selection.
  • I take profits when my explore stocks are up so I can buy back shares when they stocks are down for added return
  • My explore portfolio BY DESIGN does not track the S&P500 so some years you can take profits in your explore portfolio to add to your core portfolio to increase safety as you get older.
  • My aggressive core portfolio TYPICALLY has 80% equities, suitable for those still working
  • My "conservative" core portfolio  TYPICALLY has 50% in equities and is suitable for someone in or near retirement.  It is also good if you semi retire early and use your portfolio to fund doing what you enjoy.
  • My core portfolios are TYPICALLY made of index funds and ETFs for the very lowest expenses but I will take advantage of special situations to recommend things like TIPS, Series I bonds and other investment products including CDs that few brokerages will recommend since they get zero fees to manage the money.

With your subscription, you get: 

  • Email alerts when I buy or sell securities for my explore portfolio
  • "Auto Buy" and "Auto Sell" levels set ahead of time for target buy and sell levels for my securities.
    • This allows you to place "limit orders" with your broker in advance so you can go about your business.
  • All questions about what I write answered by Email.  If what I write is not clear to you, just ask!
  • Only $155 per year via PayPal & $150 if you send a check.
I recommend people start by getting their proper core portfolio created THEN add individual securities (Stocks, ETFs, Specific TIPS and even specific fixed income investments) I cover in my explore portfolio to build your own explore portfolio for 5 to 20% of your investment portfolio total.

I have target prices to buy and sell my explore stocks so I find I almost look forward to market declines to get really great prices for stocks I can sell later at higher prices. Of course, following this explore portfolio is more work than buying index funds and rebalancing once a year or doing nothing year after year!
 
Compared to "other newsletters" costing more, my core portfolios and general stock market coverage in the first 11 pages of the  monthly letter offer significant value even for those who don't dabble in individual stocks. I do (so far successfully) a small amount of "market timing" with a small portion of my explore portfolio but it mostly follows my "asset allocation strategy" as explained in " Using Asset Allocation to make money in a Flat Market."

Click for FREE sample of Kirk Lindstrom's Investment Letter

#2 I write "The Retirement Advisor" with David Korn. We sell this for a very modest $99. We offer three model portfolios. We do not recommend individual stocks but we have articles that discuss current financial events such as economic data and Social Security COLAs. We also have articles to help you save money plus we find CDs with FDIC paying the highest rates. Our most aggressive portfolio has 50% in equities. Our most conservative portfolio contains no equity exposure.  Download a free issue (Slow to load pdf)

Difference: The conservative (50:50) core portfolio in "Kirk Lindstrom's Investment Letter" is slightly more aggressive than the aggressive model portfolio #1 in "The Retirement Advisor."

Over the very long term, you should expect the most aggressive portfolio to have the highest returns but at a price of higher volatility. When we started the "The Retirement Advisor" in 2007 we thought people like Bob Brinker were far too aggressive with equity exposure recommendations for retired people at such a risky time for the markets. If you recall, Brinker's Model Portfolio #3 was nearly 2/3rds in equities when the markets peaked. As our great returns show, we were right.
Summary:

"Kirk Lindstrom's Investment Letter" is for those who want to use individual stocks in an attempt to enhance their core portfolio returns. Some like to buy or trade individual stocks for extra return as they try to beat the markets over the long term as they build their investment portfolios to retire someday in the future. For those people, I recommend they place 120% less their age of their investment portfolio in my "core aggressive" portfolio and use remainder to follow some or all of my explore portfolio. For example, someone 40 years old would have 80% in my core aggressive portfolio and 20% in my explore portfolio.

For those at critical mass in retirement, there is no need to take a lot of risk so I recommend 95% of investment assets in my "core conservative" portfolio and the remaining 5% in some or all of my explore portfolio for "entertainment."

In sharp contrast, "The Retirement Advisor" has no individual stock advice. The portfolios are designed not to try and beat the markets but to help you sleep better at night in retirement with lower portfolio volatility. "The Retirement Advisor" also helps you manage your "living expense" or "emergency" account that is outside your investment portfolio. In addition to portfolio and living expense management help, "The Retirement Advisor" has articles to help you save money, understand Social Security, follow the basics of the economy and how it relates to our advice.

Many of my readers subscribe to and enjoy both newsletters.
"Kirk Lindstrom's Investment Letter"
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Disclaimer:  The information contained in this web site is not intended to constitute financial advice, and is not a recommendation or solicitation to buy, sell or hold any security. This blog is strictly informational and educational and is not to be construed as any kind of financial advice, investment advice or legal advice. Copyright © Kirk Lindstrom. Note: "CORE & Explore®" was coined by and is a registered trademark of Charles Schwab & Co., Inc.