October 7, 2013: Newsletter Collections

Oct 8, 2013 | Asset-Allocation, Bonds, Economy, Feature, Gold, Headline, Income, Investments, IRA, Markets, Mutual-Funds, Newsletter, Retirement

Re-balance Cycle Reminder All MyPlanIQ’s newsletters are archived here.

For regular SAA and TAA portfolios, the next re-balance will be on Monday, November 4, 2013. You can also find the re-balance calendar for 2013 on ‘Dashboard‘ page once you log in.

As a reminder to expert users: advanced portfolios are still re-balanced based on their original re-balance schedules and they are not the same as those used in Strategic and Tactical Asset Allocation (SAA and TAA) portfolios of a plan.

Please note that we now list the next re-balance date on every portfolio page.

Newsletter Collections

Several readers have asked us to categorize and summarize our previous newsletters as they tend to cover various topics. We believe this is a good idea as many of them provide useful information that can be useful for both new and old users. In the following, we select and list some newsletters in each category

Portfolio Management

Asset Allocation and Other Investment Strategies

Strategic: 

Tactical

Strategic and Timing

Fund Selection

Core Satellite and Multiple Strategies

Momentum Strategies and their behavior. How various asset allocation strategies work in different market cycles

Strategy and Portfolio Evaluation
Risk Parity, Four Pillar and Permanent Portfolios

More newsletters can be found in these two articles:

Risk Management & Investor Behavior

Portfolio risk management techniques and issues. 

Fixed Income, Dividend, Total Returns & Conservative Allocation

The following newsletters address many concerns for retiree, conservative and incomeinvestors. 

Financial Planning & Retirement

Features & System Q&As

These newsletters address new features and how to for our system usage. 

Existing Portfolio Performance Reviews

In general, we review various portfolio performance in each newsletter. However, you can get latest up to date  performance result and comparison by clicking on links below portfolio comparison tables listed in our quarterly or annual review newsletters: 

Portfolios suggested by advisors and brokerages

Portfolio Performance Review

We review two dividend based portfolios:

Portfolio Performance Comparison (as of 10/7/2013)

Ticker/Portfolio Name YTD
Return**		 1Yr AR 3Yr AR 5Yr AR 5Yr Sharpe 10Yr AR 10Yr Sharpe
P Relative Strength Trend Following Five Assets Dividend Stocks 13.1% 16.5% 10.5% 10.5% 0.72 11.6% 0.8
Retirement Income ETFs Tactical Asset Allocation Risk Profile 0 8.8% 14.5% 6.7% 12.2% 0.73 14.3% 0.78
P Relative Strength Trend Following Six Assets 12.4% 15.0% 9.4% 9.4% 0.67 10.9% 0.74
VFINX (Vanguard 500 Index Investor) 18.7% 17.4% 15.1% 11.0% 0.45 7.1% 0.29
VBINX (Vanguard Balanced Index Inv) 10.8% 10.4% 10.4% 9.5% 0.66 6.8% 0.48

**YTD: Year to Date

See latest detailed comparison >> 

While Retirement Income ETFs Tactical Asset Allocation Risk Profile 0 has done relatively poorly in the last 1 and 3 years, both dividend oriented portfolios have done well in a longer time. Both portfolios only use broad base dividend stock funds which tend to skew towards to higher quality stocks, compared with a general broad base index such as Vanguard Total Stock Index (VTI). We believe this will give these portfolios some more edge in a period with more volatile and uneven economic and market events. 

Market Overview

The US government shut down continues. What is more, the debt ceiling crisis is looming large. This partisan wrangling is surely affecting many business. In fact, as a small business, we are now also affected since some of government economic data we rely on are no longer available (website shutdown!).  Market trends are still up but as everyday passes by, it is getting less and less optimistic. 

For more detailed asset class trends, see  360° Market Overview.

We again copy our position statements (from previous newsletters): 

Our position has not changed: We still maintain our cautious attitude to the recent stock market strength. Again, we have not seen any meaningful or substantial structural change in the U.S., European and emerging market economies. However, we will let markets sort this out and will try to take advantage over its irrational behavior if it is possible. 

We again would like to stress for any new investor and new money, the best way to step into this kind of markets is through dollar cost average (DCA), i.e. invest and/or follow a model portfolio in several phases (such as 2 or 3 months) instead of the whole sum at one shot. 

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Disclaimer:
Any investment in securities including mutual funds, ETFs, closed end funds, stocks and any other securities could lose money over any period of time. All investments involve risk. Losses may exceed the principal invested. Past performance is not an indicator of future performance. There is no guarantee for future results in your investment and any other actions based on the information provided on the website including, but not limited to, strategies, portfolios, articles, performance data and results of any tools. All rights are reserved and enforced. By accessing the website, you agree not to copy and redistribute the information provided herein without the explicit consent from MyPlanIQ.

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