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February, 2026: 15
Disclaimer - IMPORTANT - Read this first!
Investor's Journal is a diary focused strictly on investments and personal finance issues, primarily from a contrarian and retiree point of view. Follow along with an average guy's failures and successes as he learns, by trial and error, the fine art of value investing.


2/15/26- Through Friday, 2/13/26, my wife's and my total liquid assets have a market value of $2,505,543, up $40,100 or 1.63% from their level noted in last month's entry.

Our nest egg of all holdings (including real estate) is now worth $3,065,545, a gain of $40,093 or 1.33% since the end of 2025.

Given the overall U.S. market's continued price elevation, I remain relatively conservative in my allocations. Except for our "strictly no sell 'ems," stocks that we shall hold essentially "forever" with no trading, the following assets and proportions govern our investing portfolio:

Cash Equivalents or Bond Funds, at 33.33%

Money Market Funds (for instance, VMFXX), CEMB, HYGH, NEAR, VEMBX

Dividend Equities, also at 33.33%

EWJV, FNDF, KELYA, NVO, PBR, REET, SCHD, SFENX, UNH, VIG

Misc. Equities, at 33.34%

ADBE, BRK/B, ELV, FISV, GPI, L, MA, PYPL, SYF, V, VBR

While I intend to add additional stocks' shares to these holdings from time to time, the indicated assets and their allocations should in my view do reasonably well for the next 12 months and/or for the longer term (though of course I am not recommending any approach that should take precedence over one's own due diligence or the results of consultations with investment professionals). They are not intended for short-term trading except that, in the event of a bear market, funds from the first category may be used for the purchase of new shares are bargain levels.

Disclaimer and Disclosure Statement
Much as I'd love it to be otherwise, I receive no payment of any kind for disseminating investment information unless, by some fluke, millions of folks, on the strength of these entries, start buying shares of stock I own, a possibility only slightly less likely than our being destroyed by a large meteorite. Do not follow any suggestions made in Investor's Journal as if I were a professional.

Neither I nor Investor's Journal will be responsible for losses by anyone who obtained ideas from this site.

This diary is intended for personal interest and general information only. You are advised to do your own research (as well as to consult highly compensated professionals) before spending money on anything.

I know of no reason anyone should take my financial musings seriously. At best I am a dedicated amateur providing a bit of investment-related insight and entertainment, at worst an amusing diversion.

My wife, Fran, and I may at times own shares of some of the assets mentioned here. But neither of us receive any benefit from reference to them, unless you count the mutual misery when we get it wrong, or the opportunity to gloat when we get it right.

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