Good morning everyone,

I have updated all the Quest For Positive Relative Returns graphs through 1/1/2011 for clubs who requested them. You can find them through a link you will see on your club pages. If I have missed anyone or there are others who would like a graph, please let me know.

When you look at your graphs, it is interesting to think back about what was happening in your club during times where you see an uptrend or downtrend. For example, one of the reasons my club did very well during the downturn in 2008 is because it sometimes takes us a while to come to a decision. Because of that we happened to be holding a high percentage of cash when the market went down and our portfolio did not drop nearly as drastically as the market did.

Another club we looked at recently benefited because they had transferred appreciated stock to a withdrawing member, Stock which has done well for you sometimes has a lowered projected future return yet is difficult to let go of. We all like the stocks we have done well in. The withdrawal gave a reason for this club to let go of this stock which left them with a portfolio with a higher projected return when the market started to recover.

Don't forget that these graphs are showing relative returns. That means they are showing whether your investment in your club produced higher or lower rates of growth than you would have had if you had invested the same amounts at the same times in the Vanguard Index 500 fund. That is not an easy benchmark to beat. Any amount of positive relative return means your portfolio management methods are paying off. If you need improvement, at least pat yourselves on the back if you see an upward trend.

It is interesting to look at these as a group from a distance. My next project is to work on putting together some composite information so you will be able to to get some idea of how your club compares to other clubs.

Enjoy your bivio friends! If you have 4 or more yellow friends, you can earn green friends once we do a quick records verification on your account. Just email us at support@bivio.com to set this up. Green bivio friends come bearing gifts. For each one you earn, you will receive $30 bivio bucks toward your next subscription renewal!

I hope that these graphs will help you as you are making your portfolio management decisions. Don't forget that you are managing a portfolio, not just selecting stocks. Look at the projected return for your entire portfolio and let it tell you what stocks you should keep, replace or sell.

Enjoy!
--
Laurie Frederiksen
Invest with your friends!
www.bivio.com

Become our Facebook friend! www.facebook.com/bivio
Follow us on twitter! www.twitter.com/bivio

I would like to get one Quest for Positive Relative Returns graphs for our club Women of Wauneta. I thought maybe I had already sent an email but it doesnt look like it did. Slipped my mind I guess. I would appreciate this thank you.

Hi Laurie,

            I would like to request a Positive Relative Returns graph for our SWIM club.  We own AFLAC, Apple, Fiserv, J&J, Sysco and Walgreen.  If you need more information than this let me know.  I assume you can access our club information.

Thank you,

Cynthia Carrillo

estateagnt@cox.net

Good morning everyone,

I have updated all the Quest For Positive Relative Returns graphs through 1/1/2011 for clubs who requested them.    You can find them through a link you will see on your club pages.  If I have missed anyone or there are others who would like a graph, please let me know. 

When you look at your graphs, it is interesting to think back about what was happening in your club during times where you see an uptrend or downtrend.  For example,   one of the reasons my club did very well during the downturn in 2008 is because it sometimes takes us a while to come to a decision.  Because of that we happened to be holding a high percentage of cash when the market went down and our portfolio did not drop nearly as drastically as the market did.

Another club we looked at recently benefited because they had transferred appreciated stock to a withdrawing member,  Stock which has done well for you sometimes has a lowered projected future return yet is difficult to let go of.  We all like the stocks we have done well in.   The withdrawal gave a reason for this club to let go of this stock which left them with a portfolio with a higher projected return when the market started to recover.

Don't forget that these graphs are showing relative returns.  That means they are showing whether your investment in your club produced higher or lower rates of growth than you would have had if you had invested the same amounts at the same times in the Vanguard Index 500 fund.    That is not an easy benchmark to beat.  Any amount of positive relative return means your portfolio management methods are paying off.   If you need improvement,  at least pat yourselves on the back if you see an upward trend.

It is interesting to look at these as a group from a distance.  My next project is to work on putting together some composite information so you will be able to to get some idea of how your club compares to other clubs.

Enjoy your bivio friends!  If you have 4 or more yellow friends,  you can earn green friends once we do a quick records verification on your account.  Just email us at support@bivio.com to set this up.  Green bivio friends come bearing gifts.  For each one you earn, you will receive $30 bivio bucks toward your next subscription renewal!

I hope that these graphs will help you as you are making your portfolio management decisions.  Don't forget that you are managing a portfolio, not just selecting stocks.  Look at the projected return for your entire portfolio and let it tell you what stocks you should keep, replace or sell.

Enjoy!
--
Laurie Frederiksen
Invest with your friends!
www.bivio.com

Become our Facebook friend!  www.facebook.com/bivio
Follow us on twitter!  www.twitter.com/bivio

Hi Laurie,

I would like to request a Positive Relative Returns graph for our SWIM club. We own AFLAC, Apple, Fiserv, J&J, Sysco and Walgreen. If you need more information than this let me know. I assume you can access our club information.

Thank you,

Cynthia Carrillo

estateagnt@cox.net

Will the Quest for Positive Returns graph be updated monthly or was this a one-time thing?

Thanks.

Will the Quest for Positive Returns graph be updated monthly or was this a one-time thing?  

Thanks.