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Articles on VEIEX

  • REIT and Commodities In Simple Six Fund Portfolio Shows Up Aronson's Lazy Portfolio

    04/20/2011

    The incidents in Japan, the Middle East and even as far back as New Orleans teach us the danger of living on borrowed time, the reactors, the governments the levees keeping things going -- just one more year. The temptation to delay until next time is very seductive until disaster strikes and the cost to repair, dwarfs the cost to prevent. Many working people put off their retirement investing -- just one more year until it becomes a "hair on fire" problem -- which it now is for baby boomers for whom retirement is a near and present danger.

    We continue to examine luminary portfolios to see what we can learn and use to further our investment portfolios.

    Ted Aronson and his AJO Partners manage about $25 billion of institutional assets. Aronson puts his family's taxable money in this well-diversified portfolio of no-load index funds.

    Fund Weight Ticker ETF
    US Equities 40% VFINX, VEXMX, VISGX, VTSMX, VISXX VTI, TMW, VBK, VBR
    International Equity 20% VPACX, VEURX VEA
    Emerging Markets 10% VEIEX EEM
    US Bonds 30% VIPSX, VUSTX, VWEHX TIP, LQD, HYG

    This is a well diversified four asset class portfolio with an aggressive profile. The US equities are broadly diversified. Asia Pacific is put above Europe for developed markets. There is a diversified set of fixed income with VWEHX and VUSTX being relatively high risk. The long term treasury bond has proved to be a good diversifier in recent history -- today all bonds are under pressure so this may be less true.

    The US component is possibly over-weighted and emerging markets could be increased or, even better, some real estate assets could be added.

    This portfolio was last reviewed at the end of the year and we now re-examine performance over the last three months as we see markets changing and inflation becoming more of a present reality.

    This lazy portfolio will be compared with six asset class SIB to examine the returns of four and six asset class portfolios


    Portfolio Performance Comparison

    Portfolio/Fund Name 1Yr AR 1Yr Sharpe 3Yr AR 3Yr Sharpe 5Yr AR 5Yr Sharpe
    Aronson Original
    6% 74% 2% 14% 3% 16%
    Six Core Asset ETF Benchmark Tactical Asset Allocation Moderate
    10% 71% 9% 73% 13% 91%
    Six Core Asset ETF Benchmark Strategic Asset Allocation Moderate
    13% 103% 3% 20% 7% 35%

    full comparison

    The Aronson portfolio has four asset classes missing out on REIT and commodities. The performance over the last five years has not been exceptional with the Simple SIB able to beat it across the board.

    Over the last three months, REIT and commodities have been in favor and having neither has had an impact on the Aronson returns.

    Takeaways
    • The Aronson lazy portfolio has moderate returns that can be beaten
    • Having broader diversification pays off as market conditions change
    • ETFs can readily be used to implement these portfolios with good performance
    • A 10% spread over five years means that it’s worth looking at alternatives
    Disclosure:

    MyPlanIQ does not have any business relationship with the company or companies mentioned in this article. It does not set up their retirement plans. The performance data of portfolios mentioned above are obtained through historical simulation and are hypothetical.
    The incidents in Japan, the Middle East and even as far back as New Orleans teach us the danger of living on borrowed time, the reactors, the governments the levees keeping things going -- just one more year. The temptation to delay until next time is very seductive until disaster strikes and the cost to repair, dwarfs the cost to prevent. Many working people put off their retirement investing -- just one more year until it becomes a "hair on fire" problem -- which it now is for baby boomers for whom retirement is a near and present danger.

     
    Exchange Tickers:  (NYSE: VFINX), (NYSE: VEXMX), (NYSE: VISGX), (NYSE: VTSMX), (NYSE: VISXX), (NYSE: VTI), (NYSE: TMW), (NYSE: VBK), (NYSE: VBR), (NYSE: VPACX), (NYSE: VEURX), (NYSE: VEA), (NYSE: VEIEX), (NYSE: EEM), (NYSE: VIPSX), (NYSE: VUSTX), (NYSE: VWEHX), (NYSE: TIP), (NYSE: LQD), (NYSE: HYG)

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  • Keep It Simple Stupid -- A Simple Benchmark to Measure Your Investment Returns

    04/19/2011

    There is an easy to understand strategy that can improve returns with low risk. If you have a portfolio with the correct asset classes represented, over the long term, you will get better results at a lower risk than picking the latest and greatest fund or stock. This is not the bleeding edge of new ideas. This is proven and widely used – being the basis of most money manager’s strategies.

    MyPlanIQ created SIB portfolios (Simpler Is Better) – market index funds from key asset classes that can be used to measure historical returns to show the impact of asset class selection rather than fund or stock selection. SIB portfolios for different numbers of asset classes are built and used to benchmark returns. From this, conclusions can be drawn as to what is an effective investment strategy for today.

    The following funds were used:

    Index Funds Asset Class

    Ticker

    Name

    Large Blend

    VTSMX

    Vanguard Total Stock Mkt Idx

    Foreign Large Blend

    VGTSX

    Vanguard Total Intl Stock Index

    Diversified Emerging Markets

    VEIEX

    Vanguard Emerging Mkts Stock Idx

    Real Estate

    VGSIX

    Vanguard REIT Index

    Commodities Broad Basket

    DBC

    PowerShares DB Commodity Idx Trking Fund

    Intermediate-Term Bond

    VBMFX

    Vanguard Total Bond Market Index

    ETF Asset Classes

    Ticker

    Description

    LARGE BLEND

    VTI

    Vanguard Total Stock Market ETF

    Foreign Large Blend

    VEU

    Vanguard FTSE All-World ex-US ETF

    Diversified Emerging Markets

    VWO

    Vanguard Emerging Markets Stock ETF

    Real Estate

    VNQ

    Vanguard REIT Index ETF

    Commodities Broad Basket

    DBC

    PowerShares DB Commodity Idx Trking Fund

    Intermediate-Term Bond

    BND

    Vanguard Total Bond Market ETF

    Three Asset Class SIB: The three core assets are U.S. and international equities and fixed income. This represents what used to be conventional wisdom: Heavy dependence on the U.S. and the rest of the developed world. With a conservative strategic asset allocation strategy, the portfolio would consist of 60% fixed income and 20% each for U.S. and international equities. With a tactical asset allocation strategy, the fixed income would never be less than 60% but the split of the three asset classes would move based on asset price movement.

    Three Core Asset Portfolios

    1 year AR

    3 year AR

    5 year AR

    SAA Index

    11%

    1%

    4%

    SAA ETF Index

    15%

    1%

    3%

    TAA Index

    7%

    4%

    6%

    TAA ETF Index

    9%

    4%

    5%

    The SAA (buy and hold) strategy represents what many people may end up with. There is little thought put into which asset classes are represented but these are the most likely ones to be covered.
    The TAA strategy gives a little higher long term performance because of the ability to move to other asset classes when one aspect of the economy is slowing.

    It’s clear that world economics has changed; becoming smaller, more interlinked and complex. It’s no longer possible to ignore the impact of emerging markets and we are very aware that real estate has an impact on the economy.

    If you are just using three asset classes, you should look to upgrade your portfolio immediately.

    Four Asset Class SIB: There are two variants for the four asset class SIB. Either add emerging markets or real estate trusts to the three asset class SIB. Note that the international asset class means established nations such as those in Europe and emerging asset classes are represented by developing nations. With a conservative strategic asset allocation strategy, the portfolio would consist of 60% fixed income and 13.33% each for U.S., international and REIT or emerging market equities. With a tactical asset allocation strategy, the fixed income would never be less than 60% but the split of the three asset classes would move based on asset price movement.

    Four Core Asset Portfolios

    1 year AR

    3 year AR

    5 year AR

    SAA Em Index

    12%

    2%

    6%

    SAA REIT Index

    17%

    2%

    5%

    SAA ETF Em

    16%

    2%

    6%

    TAA Emerging

    11%

    7%

    10%

    TAA REIT

    15%

    6%

    8%

    TAA ETF Em

    15%

    7%

    11%

    Adding another asset class improves the performance as it balances risk. TAA is also able to increase its long term benefit over SAA as there are more asset classes to move into when one of the asset classes is not performing properly. Choosing between REIT and emerging markets is hard and further diversification is of long term value.

    If you are using a four asset class portfolio, you could be doing better. Making the choice between emerging markets and real estate is a tough one.

    Five Asset Class SIB: Has been covered in a previous article and the results are included for completeness. The five class SIB takes both REIT and Emerging markets so is a fusion of the two four asset class SIBs.

    Five Core Asset Portfolios

    1 year AR

    3 year AR

    5 year AR

    SAA Index

    15%

    3%

    5%

    SAA ETF

    20%

    3%

    7%

    TAA Index

    15%

    8%

    10%

    TAA ETF

    19%

    8%

    12%

    The five asset class SIB is a strong platform for portfolio creation. It has broad diversification and, with tactical asset allocation, good returns.

    If you are using a five asset class portfolio, you are in good shape – but take a look at the six asset class portfolio because it will be increasingly important in the current macro economic climate.

    Six Asset Class SIB: The last asset class adds commodities to the portfolio. This gives another type of asset class and will further help diversification

    Adding another asset class does not significantly improve the result within the 5 year time frame. It may be asked whether the extra effort of building and managing a six asset class portfolio is worth it. Broader diversification is good, but is it really necessary? In our view, the addition of commodities will be increasingly important as commodities will protect against inflation as the recovery slowly continues and there is increasing inflationary pressure.


    Figure 1 5 Year Annualized Returns for the different SIBs with SAA and TAA strategies

    What conclusions can be drawn from this?

    • It’s time to leave a three asset class portfolio in the past. The world is more connected and complex and higher returns require more sophistication

    • Four and five asset class portfolios have fared well and show solid returns but everybody should consider adding commodities in the light of the current economic realities

    • This is not rocket science and you should be able to increase your returns and be in control of improving your returns

    • ETF’s are a very effective vehicle for implementing a SIB strategy and deliver excellent returns compared to the other funds selected


    Symbols: AGG, BND, DBC, EEM, EFA, GSG, ICF, IYR, LQD, SPY, TLT, VEU, VNQ, VTI, VWO, VTSMX, VGTSX, VEIEX, VGSIX, VBMFX

    Exchange Tickers: (NYSE: AGG), (NYSE: BND), (NYSE: DBC), (NYSE: EEM), (NYSE: EFA), (NYSE: GSG), (NYSE: ICF), (NYSE: IYR), (NYSE: LQD), (NYSE: SPY), (NYSE: TLT), (NYSE: VEU), (NYSE: VNQ), (NYSE: VTI), (NYSE: VWO), (NYSE: VTSMX), (NYSE:VGTSX), (NYSE:VEIEX), (NYSE:VGSIX), (NYSE:VBMFX)

    Disclosure:

    MyPlanIQ does not have any business relationship with the company or companies mentioned in this article. It does not set up their retirement plans. The performance data of portfolios mentioned above are obtained through historical simulation and are hypothetical.

     

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  • REIT and Commodities In Simple Six Fund Portfolio Shows Up Aronson's Lazy Portfolio

    04/19/2011

    The incidents in Japan, the Middle East and even as far back as New Orleans teach us the danger of living on borrowed time, the reactors, the governments the levees keeping things going -- just one more year. The temptation to delay until next time is very seductive until disaster strikes and the cost to repair, dwarfs the cost to prevent. Many working people put off their retirement investing -- just one more year until it becomes a "hair on fire" problem -- which it now is for baby boomers for whom retirement is a near and present danger.

    We continue to examine luminary portfolios to see what we can learn and use to further our investment portfolios.

    Ted Aronson and his AJO Partners manage about $25 billion of institutional assets. Aronson puts his family's taxable money in this well-diversified portfolio of no-load index funds.

    Fund Weight Ticker ETF
    US Equities 40% VFINX, VEXMX, VISGX, VTSMX, VISXX VTI, TMW, VBK, VBR
    International Equity 20% VPACX, VEURX VEA
    Emerging Markets 10% VEIEX EEM
    US Bonds 30% VIPSX, VUSTX, VWEHX TIP, LQD, HYG

    This is a well diversified four asset class portfolio with an aggressive profile. The US equities are broadly diversified. Asia Pacific is put above Europe for developed markets. There is a diversified set of fixed income with VWEHX and VUSTX being relatively high risk. The long term treasury bond has proved to be a good diversifier in recent history -- today all bonds are under pressure so this may be less true.

    The US component is possibly over-weighted and emerging markets could be increased or, even better, some real estate assets could be added.

    This portfolio was last reviewed at the end of the year and we now re-examine performance over the last three months as we see markets changing and inflation becoming more of a present reality.

    This lazy portfolio will be compared with six asset class SIB to examine the returns of four and six asset class portfolios


    Portfolio Performance Comparison

    Portfolio/Fund Name 1Yr AR 1Yr Sharpe 3Yr AR 3Yr Sharpe 5Yr AR 5Yr Sharpe
    Aronson Original
    6% 74% 2% 14% 3% 16%
    Six Core Asset ETF Benchmark Tactical Asset Allocation Moderate
    10% 71% 9% 73% 13% 91%
    Six Core Asset ETF Benchmark Strategic Asset Allocation Moderate
    13% 103% 3% 20% 7% 35%

    full comparison

    The Aronson portfolio has four asset classes missing out on REIT and commodities. The performance over the last five years has not been exceptional with the Simple SIB able to beat it across the board.

    Over the last three months, REIT and commodities have been in favor and having neither has had an impact on the Aronson returns.

    Takeaways
    • The Aronson lazy portfolio has moderate returns that can be beaten
    • Having broader diversification pays off as market conditions change
    • ETFs can readily be used to implement these portfolios with good performance
    • A 10% spread over five years means that it’s worth looking at alternatives
    Disclosure:

    MyPlanIQ does not have any business relationship with the company or companies mentioned in this article. It does not set up their retirement plans. The performance data of portfolios mentioned above are obtained through historical simulation and are hypothetical.
    The incidents in Japan, the Middle East and even as far back as New Orleans teach us the danger of living on borrowed time, the reactors, the governments the levees keeping things going -- just one more year. The temptation to delay until next time is very seductive until disaster strikes and the cost to repair, dwarfs the cost to prevent. Many working people put off their retirement investing -- just one more year until it becomes a "hair on fire" problem -- which it now is for baby boomers for whom retirement is a near and present danger.

     

    Exchange Tickers:  (NYSE: VFINX), (NYSE: VEXMX), (NYSE: VISGX), (NYSE: VTSMX), (NYSE: VISXX), (NYSE: VTI), (NYSE: TMW), (NYSE: VBK), (NYSE: VBR), (NYSE: VPACX), (NYSE: VEURX), (NYSE: VEA), (NYSE: VEIEX), (NYSE: EEM), (NYSE: VIPSX), (NYSE: VUSTX), (NYSE: VWEHX), (NYSE: TIP), (NYSE: LQD), (NYSE: HYG)

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  • Bernstein No Brainer and Smart Money Lazy Portfolios Under The Microscope

    04/15/2011

    Retirement investing is now a "hair on fire" problem for Boomers who have no time to waste in getting their portfolios in order. The challenge is how to avoid being overwhelmed with conflicting data and shutting down.

    We present simple approaches to understand the path to higher returns with lower risk.

    Dr. William Bernstein is the author of the "Intelligent Asset Allocator" and "The Four Pillars of Investing." He's also a physician, neurologist and financial adviser to high-net-worth individuals. He has proposed a number of lazy portfolios. There are two that we now examine in the light of a more active benchmark which has monthly instead of annual rebalancing.

    1. The smart money portfolio

    2. The no-brainer portfolio

    The no-brainer portfolio comprises the following fund allocation:

    • 25% in Vanguard 500 Index VFINX (IVW)

    • 25% in Vanguard Small Cap NAESX or VTMSX (VB)

    • 25% in Vanguard Total International VGTSX or VTMGX (EFA, VEA)

    • 25% in Vanguard Total Bond VBMFX or VBISX (BND)

    Things to note about the portfolio:

    • Heavily weighted towards domestic equities

    • Similar to a three asset SIB [simpler-is-better] with domestic, international and fixed income

    • It would be better to have some REIT or emerging markets exposure


    The smart money portfolio comprises the following fund allocation:

    • 40% Vanguard Short Term Investment Grade VFSTX (SCJ, SHY)

    • 15% Vanguard Total Stock Market VTSMX (VTI)

    • 10% Vanguard Small Cap Value VISVX (VBR)

    • 10% Vanguard Value Index VIVAX (VTV)

    • 5% Vanguard Emerging Markets Stock VEIEX (VWO)

    • 5% Vanguard European Stock VEURX (VEU)

    • 5% Vanguard Pacific Stock VPACX (VPL)

    • 5% Vanguard REIT Index VGSIX (RWX, VNQ)

    • 5% Vanguard Small Cap Value NAESX or VTMSX (VB)

    To summarize:

    • 40% in U.S. equities

    • 10% in international equities

    • 5% in emerging market equities

    • 5% in REITs

    • 40% in fixed income


    The smart money portfolio is more conservative and has two more asset classes but they only represent five percent of the portfolio each. With 80% of the portfolio in US and fixed income, it isn't very different from the no brainer portfolio.

    We are going to use the SIB (Simpler Is Better) Portfolio as a benchmark. The SIB comprise – market index funds (ETFs or Mutual Funds) from key asset classes that can be used to measure historical returns to show the impact of asset class selection rather than fund or stock selection. We are going to use a six asset ETF SIBs. This will enable us to see the type of returns we can expect and contrast Mutual Funds and ETFs

    The following funds are used:

    Asset Class Ticker Name
    LARGE BLEND VTI Vanguard Total Stock Market ETF
    Foreign Large Blend VEU Vanguard FTSE All-World ex-US ETF
    DIVERSIFIED EMERGING MKTS VWO Vanguard Emerging Markets Stock ETF
    REAL ESTATE VNQ Vanguard REIT Index ETF
    COMMODITIES BROAD BASKET DBC PowerShares DB Commodity Idx Trking Fund
    Intermediate-Term Bond BND Vanguard Total Bond Market ETF

     

    The strategic asset allocation strategy has 40% in fixed income and 12% in the other five funds.


    The tactical asset allocation strategy has 40% in fixed income and 30% in the top two asset class funds determined by the price momentum -- unless that performance is below fixed income when the money will be diverted to fixed income. If fixed income is performing below cash, the fixed income portion will be cash.

    Portfolio Analysis

    full chart

    Portfolio Performance Comparison

    Portfolio/Fund Name 1Yr AR 1Yr Sharpe 3Yr AR 3Yr Sharpe 5Yr AR 5Yr Sharpe
    P William Bernstein No Brainer Nine Fund Portfolio Annual Rebalance 8% 79% 4% 20% 4% 21%
    P William Bernstein No Brainer Four Fund Portfolio 11% 87% 4% 18% 5% 19%
    Six Core Asset ETF Benchmark Tactical Asset Allocation Moderate 10% 71% 9% 73% 13% 91%
    Six Core Asset ETF Benchmark Strategic Asset Allocation Moderate 13% 103% 4% 20% 7% 35%

    Takeaways

    • Both Bernstein portfolios perform satisfactorily for a lazy portfolio – it is surprising that the no-brainer performs so well against its more diversified smart-money cousin
    • The Six Asset SIB buy and hold outperforms both Bernstein portfolios based on broader diversification.
    • Tactical Asset Allocation reduces downside risk and that wins in the current uncertain environment

    Symbols: BND, DBC, EFA, IVW, NAESX, RWX, SCJ, SHY, VB, VBR, VEA, VEIEX, VEU, VEURX, VFINX, VFSTX, VGSIX, VISVX, VIVAX, VNQ, VPACX, VPL, VTI, VTMGX, VTMSX, VTSMX, VTV, VWO

    Disclosure:

    MyPlanIQ does not have any business relationship with the company or companies mentioned in this article. It does not set up their retirement plans. The performance data of portfolios mentioned

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  • Investing with Styles Can Pay off

    07/09/2010

    Portfolio construction consists of the following steps

    • Decide personal risk profile which determines the target allocation in risk assets.
    • Decide asset allocation method: strategic or tactical or both (strategic does not change target asset allocations while tactical can alter allocations more actively)
    • Decide target allocation for each asset in a strategic asset allocation
    • Periodically rebalancing portfolios

    For a portfolio using strategic asset allocation, with long term target allocation being fixed (and only changed when major events such as approaching to retirement and children college education spending, for example), one can further enhance a portfolio return and reduce the risk by rebalancing and fund selection in an asset class. It is reported that adopting proper timing and way to rebalance a portfolio can improve return and reduce risk (see Daryanani opportunitstic rebalancing article).  In this article, we focus on fund selection.

    In a well designed portfolio for retirement plans (401K or IRA), it is a popular practice to have funds with various style exposures. In a stock/equity asset, a fund style is defined as value style (growth/blend/value) and size style (large/mid/small cap). The Morningstar 9 boxes of styles are essentially the combinations of the 3 value and 3 size styles. In a fixed income asset, a fund style is a combination of credit risk (junk/investment grade) and interest rate risk (short/intermediate/long) for corporate bonds or a just interest rate risk for treasury bonds.  In an actively managed portfolio, it is a well recognized and widely practiced method to select funds based on style rotation to improve a portfolio alpha or return. For example, in an article published in Journal of Asset Management (May, 2007), B. Arshanapalli , L. Switzer and K. Panju concluded that active multi-style rotation strategies can be devised to outperform the best performing buy-and-hold portfolio.

    MyPlanIQ maintains an index fund based plan or an ETF based plan using candidate funds based on those in a lazy portfolio proposed by Fund Advice Paul Merriman and maintained by MarketWatch.com (called Fund Advice Ultimate Buy and Hold Portfolio) (see here for the independently tracked portfolio on MyPlanIQ.com). The candidate funds and the original allocation are as follows

    Index ETF Allocation
    Vanguard Interm-Tm Trs (VFITX) iShares 3-7 Year Treasury (IEI) 20%
    Vanguard Short-Tm Trs(VFISX) iShares 3-7 Year Treasury (SHY) 12%
    Vanguard Intl Val (VTRIX) iShares MSCI EAFE Value Index (EFV) 12%
    Vanguard Dev Mkts (VDMIX) iShares MSCI EAFE Index (EFA) 12%
    Vanguard Inflation-Prot (VIPSX) iShares TIPS Bond (TIP) 8%
    Vanguard Small-Cap Idx (NAESX) iShares Russell 2000 Index (IWM) 6%
    Vanguard Small-Cap Val (VISVX) iShares Russell 2000 Value Index (IWN) 6%
    Vanguard Value Idx (VIVAX) iShares Russell 3000 Value Index (IWW) 6%
    Vanguard 500 Index (VFINX) SPDR S&P 500 (SPY) 6%
    Vanguard Emerging Mkt (VEIEX) iSharess Emerging Market Stock (EEM) 6%
    Vanguard REIT Idx (VGSIX) iShares Dow Jones REIT Index (IYR) 6%

    The funds cover five asset classes: U.S. Equity, International Equity, Emerging Mkt Equity, U.S. REIT and Fixed Income. They have various style exposures for U.S. stock market (equity), International Stocks and Fixed income.

    MyPlanIQ Strategic Asset Allocation (SAA) selects funds with the best risk adjusted returns for each asset class when rebalancing.  The following table compares the Strategic Asset Allocation (SAA) moderate portfolios in both index fund and ETF plans as well as the original portfolio (both MyPlanIQ SAA moderate portfolios have 40% allocation in fixed income). We also include the strategic asset allocation moderate portfolio in MyPlanIQ Five Core Asset ETF Plan that consists one fund for each asset class.

    As of 7/2/2010

    Portfolio 1 Yr Return 3 Yr Return 5 Yr Return Since 12/2000
    FundAdvice SAA Moderate Index Funds 17% -1.0% 5.1% 7.4%
    FundAdvice SAA Moderate ETF 16.7% -2.2% 4.8% 7%
    FundAdvice Buy and Hold Index Funds 14.5% -2.4% 4.1% 5.7%
    Five Core SAA Moderate 16.9% -3.4% 3.93% 5.6%

     

    From the above table, we can observe:

    • Diversification over styles improves return (FundAdvice Buy and Hold vs. Five Core SAA Moderate).
    • Style rotation adds 1.3-1.7% returns over buy and hold (SAA Moderate ETF or Index Funds vs. FundAdvice Buy and Hold).

    The above observations are consistent across thousands of plans MyPlanIQ maintains. We should also point out that better fund/style selection does not alter the overall portfolio risk allocation, which is a major advantage over an actively managed tactical asset allocation portfolio.

    At the moment, for U.S. stocks, MyPlanIQ SAA favors small cap (IWM), small cap value (IWN). For fixed income, it favors Inflation-protected treasury (TIP).

    labels:investments,IRA,401K,

    Symbols:vti,spy,veu,efa,vwo,eem,iyr,icf,vnq,dbc,gsg,bnd,agg,tlt,lqd,tip,iwb,oef,iwd,iwo,iwm,ijr,iwn,iwp,iwr,ijh,iws,dvy,iwc,efv,iww,iwv,iwz,VFITX,VFISX,VTRIX,VDMIX,VIPSX,NAESX,VISVX,VIVAX,VFINX,VEIEX,VGSIX,

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  • Understanding and Building Your ETF Portfolio

    06/27/2010

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