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7Twelve. A Diversified Investment Portfolio with a Plan

  • ID: 1449806
  • Book
  • August 2010
  • 204 Pages
  • John Wiley and Sons Ltd
A powerful, easy–to–use new asset allocation strategy

7Twelve provides a time–tested recipe for building a diversified, multi–asset investment portfolio with twelve low–cost mutual funds. Author Craig Israelsen keeps it simple with easy–to–understand explanations and illustrative graphs throughout the text as he shows you how to create a balanced portfolio utilizing multiple asset classes to enhance performance and reduce risk. His approach has generated stellar returns over the last ten years—and you can have similar success using major mutual fund companies and ETFs.

In straightforward, clear language, Israelsen tells you how to build your 7Twelve portfolio with 7 core asset classes and twelve specific mutual funds or exchange traded funds. He also shows you how to use the 7Twelve portfolio as either a pre–retirement accumulation portfolio or a post–retirement distribution portfolio.

If you want to build a balanced, multi–asset portfolio that can help you grow your money as well as protect it, 7Twelve is the recipe you need.

Praise for 7Twelve

"People who panic during an economic crisis don′t have a sound investment plan. Craig Israelsen provides a sensible plan that really works!"
Richard Ferri, CFA, founder, Portfolio Solutions, LLC, and author of The ETF Book: All You Need to Know About Exchange–Traded Funds

"When Craig Israelsen speaks, I always pay attention. Here, he tackles—and answers—the pre–retiree′s and retiree′s most important question: How do I make my money last for life?"
Jane Bryant Quinn, author of Making the Most of Your Money NOW

"You can never be sure how the markets will perform. But you can manage risk. Don′t know where to start? Let Craig Israelsen be your guide."
Jonathan Clements, author of The Little Book of Main Street Money

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Chapter 1 A Recipe for Success.

The 7Twelve Recipe.

Salsa Anyone?

U.S. Stock.

Non–U.S. Stock.

Real Estate.


U.S. Bonds.

Non–U.S. Bonds.


The Complete Recipe.

Chapter 2 Lining Up the Ingredients.

A Recipe That Goes Waaay Back.

Getting Better and Better.

Chapter 3 The More Ingredients, the Better.

Measuring Volatility and Risk.

Diversification by Design.

Diversification Requires Depth and Breadth.

Chapter 4 Growth of Money.

Why Measure Growth of Money?

Expect Ups and Downs.

Chapter 5 Combining Ingredients That Zig and Zag.

Getting Close to Zero.

Finding Assets That Play Nicely Together.

Don′t Forget Broad Diversification.

Quantifying Correlation.

Chapter 6 Stirring the Mix.

Rebalancing versus Buy–and–Hold.

Choosing a Schedule.

Chapter 7 Adjusting the Secret Sauce.

The Saving Years and the Spending Years.

How Portfolio Mechanics Change in the Golden Years.

Allocation Age versus Chronological Age.

Life Stage Portfolios.

Chapter 8 How Long Will My Nest Egg Last?

Survival of the Fittest.

Reviewing the Nest Egg Guidelines.

Chapter 9 Should I Tilt toward Value or Growth?

Does It Make a Difference?

The 7Twelve′s Value Bias

Chapter 10 Should I Jump in or Let the Pot Simmer?

To Stir or Not to Stir?

The 7Twelve Works Both Ways.

But If You Still Can′t Decide . . .

Chapter 11 A Better 401(K).

Switching the Default.

Introducing Target Date Funds and Balanced Funds.

The 7Twelve Portfolio Approach.

Determining Your Lifecycle Phase.

Mismatch 101.

Chapter 12 The Problem of Undersaving.

Chasing Returns Is a Loser′s Game.

Add Plenty of Patience, Perspective, and Persistence.

Chapter 13 Of Stocks, Bonds, and Risk.

A Tale of Two Time Frames.

The "Diversification" Premium.

Chapter 14 Assembling Your Portfolio.

Chapter 15 3 Secrets + 4 Principles = 7Twelve Perfection.

About the Author.


Note: Product cover images may vary from those shown
Craig L. Israelsen
Note: Product cover images may vary from those shown