Thread: Flalaw97's Account Talk

Yes, that's been a sore spot for some of here knowing they re-balance every day, so what's the big deal if they added more to the daily tally?

It would probably one big fund to fund transaction each day. Tally up all the moves, and enter the total order in at the end of the day.

NAAIM remains steady at 97. Continuing the "smart money" active money managers feeling more bullish than they have been in months...

NAAIM line reads almost identical to last week: 93.95 this week, 92.83 last week. Remains bullish.

Date	NAAIM Number Mean/Average	Bearish	Quart1	Quart2	Quart3	Bullish	Deviation
09/01/2021	93.95	25	81.31	100.00	100.00	200	39.24
08/25/2021	92.83	20	80.00	100.00	100.00	200	37.95

Do you know what Quart 1, 2 and 3 represent? I still cant quite figure that out...

Originally Posted by Beester15

Do you know what Quart 1, 2 and 3 represent? I still cant quite figure that out...

I believe those represent the 1st, second and third quartile of investment managers (quartile 1 is the 25% most bearish?) so this would indicate that even the most bearish quartile is 81% invested long (bullish).

I have been looking hard into Health Savings Accounts and I came across this article: https://www.wealthenhancement.com/bl...o-dig-into-hsa
This is the second time I have seen "experts" saying not to touch money in HSA until after retirement, even when you have medical expenses that would qualify. It doesn't make sense to me and when I saw the following example, I knew they were leaving a big factor out of their calculations: Save More by Compounding Interest

Consider this example: Person A contributes $1,500 annually to an HSA but uses $500 for medical expenses, creating a net contribution of $1,000 every year. Person B also contributes $1,500 annually but uses money from a checking account to pay the $500 in annual medical expenses. After 20 years, if we assume a 6% rate of return, Person A would have about $36,800 in an HSA while Person B would have about $55,200. While this is a hypothetical example, it illustrates the power of leaving your money to grow as long as possible.
They completely ignored the fact that Person B spent $500 per year of AFTER TAX dollars each year - $10,000 - all of which could have been invested at that same 6% rate of return! And that doesn't add in the 24% tax savings...

NAAIM dropped a little this week but still pretty bullish sentiment:

Date	NAAIM Number Mean/Average	Bearish	Quart1	Quart2	Quart3	Bullish	Deviation
09/08/2021	84.68	20	45.00	100.00	100.00	200	43.85
09/01/2021	93.95	25	81.31	100.00	100.00	200	39.24
08/25/2021	92.83	20	80.00	100.00	100.00	200	37.95
08/18/2021	70.57	-50	35.00	90.00	100.00	200	58.22

NAAIM dropped from 87 to 77 but not a very significant change in the numbers:

Date	NAAIM Number Mean/Average	Bearish	Quart1	Quart2	Quart3	Bullish	Deviation
09/22/2021	77.70	0	52.25	82.63	100.00	200	47.37
09/15/2021	87.02	0	60.00	100.00	100.00	200	47.86
09/08/2021	84.68	20	45.00	100.00	100.00	200	43.85

First true bearish sentiment in months:

Date	NAAIM Number Mean/Average	Bearish	Quart1	Quart2	Quart3	Bullish	Deviation
09/29/2021	55.02	-100	2.50	52.50	100.00	200	72.13
09/22/2021	77.70	0	52.25	82.63	100.00	200	47.37
09/15/2021	87.02	0	60.00	100.00	100.00	200	47.86

NAAIM has not turned back to Bullish sentiment, in fact slipped a little more bearish:

Date	NAAIM Number Mean/Average	Bearish	Quart1	Quart2	Quart3	Bullish	Deviation
10/13/2021	64.46	-100	47.50	82.50	100.00	115	52.37
10/06/2021	68.60	0	25.00	60.00	100.00	200	51.09
09/29/2021	55.02	-100	2.50	52.50	100.00	200	72.13
09/22/2021	77.70	0	52.25	82.63	100.00	200	47.37

And then boom, the most bullish the NAAIM has been in months:

Date	NAAIM Number Mean/Average	Bearish	Quart1	Quart2	Quart3	Bullish	Deviation
10/20/2021	98.02	50	87.50	100.00	100.00	200	33.46
10/13/2021	64.46	-100	47.50	82.50	100.00	115	52.37
10/06/2021	68.60	0	25.00	60.00	100.00	200	51.09
09/29/2021	55.02	-100	2.50	52.50	100.00	200	72.13
09/22/2021	77.70	0	52.25	82.63	100.00	200	47.37
09/15/2021	87.02	0	60.00	100.00	100.00	200	47.86
09/08/2021	84.68	20	45.00	100.00	100.00	200	43.85
09/01/2021	93.95	25	81.31	100.00	100.00	200	39.24
08/25/2021	92.83	20	80.00	100.00	100.00	200	37.95
08/18/2021	70.57	-50	35.00	90.00	100.00	200	58.22