The Tithe Fund

Let's briefly talk about all of the instruments... the trumpet, the piano, the drums, the - wait, those are my musical instruments! I meant to talk about financial instruments, where my history has been a progression of instruments. From investing savings into a CD (back when they paid real interest!), to mutual funds, and then to stocks followed by ETFs; and, in the current millennium with options, and then to futures. My bond and forex (foreign exchange) exposure to-date has largely been through the corresponding ETFs and futures, not directly. With each new instrument, new techniques were learned, and new ways to create a diversified portfolio could be envisioned. (Five stocks of different industries does not a diversified portfolio make!) While some instruments have been reduced to my minimal usage, I've been surprised to see my revitalization of even the mutual fund, for which we'll talk about later. Each instrument can be used as a main contributor of beta