Author Archives: Charles Lynn Bolin

About Charles Lynn Bolin

Lynn Bolin graduated with an Engineering degree from New Mexico Tech and an MBA from Eastern New Mexico University. He is currently a Technical Services Manager over engineering, and plans on retiring within a few years. He enjoys building investing models in his spare time and writes articles for Seeking Alpha.

Adjusting Portfolios for the Business Cycle

By Charles Lynn Bolin

I appreciate the opportunity to write for Mutual Fund Observer. I am a great fan of MFO, and it is my primary investment tool. I am a small investor, an engineer with a MBA nearing retirement. I spent the majority of the past dozen years working overseas and used my spare time reading about history, economics, forecasting, and investing.

The data used in this article is current as of July 2019. As of August 24th, the S&P 500 has lost 5% bringing the 12 month return down to 1.5%. Meanwhile the Vanguard Total Bond Market (BND) is up 10% over the same period.  In this article, I look at risks to the financial markets and economy, how funds with varying allocations to stocks have done over the past 20 years, identify 36 top low risk funds with high risk adjusted returns, and create three hypothetical million dollar portfolios based on the current environment. Continue reading →