Vanguard ETF: | 7.4%* | ||
Diversified Core: | 8.1%* | ||
Six Core Asset ETFs: | 7.3%* |
Articles on MDY
- US Sectors Up Across the Board
11/23/2010
US sectors provide insight into the parts of the US economy that are flourishing or floundering. We are tracking the ETF's that represent ten different financial sectors.
More details are available on the MyPlanIQ website.Description
Symbol
Nov 22 Trend Score
Direction
Nov 15 Trend Score
Energy
XLE
13.12%
^
10.06%
Consumer Discretionary
XLY
12.95%
^
11.04%
Telecom
IYZ
10.57%
^
9.77%
Industries
XLI
10.05%
^
6.94%
Materials
XLB
9.88%
^
9.14%
Technology
XLK
8.46%
^
6.92%
Consumer Staples
XLP
5.68%
^
4.74%
Healthcare
XLV
4.42%
^
3.16%
Utilities
XLU
4.24%
^
3.26%
Financial
XLF
2.40%
^
1.24%
COMMENT
Top Three
COMMENT
Bottom Three
COMMENT
CONCLUSIONlabels:investment,
Symbols:XLY,IYZ,XLI,XLB,XLK,XLE,XLF,XLP,XLU,XLV,SPY,QQQQ,IWM,MDY,EFA,VEU,EEM,VWO,IYR,ICF,VNQ,GSG,DBC,DBA,USO,LQD,CSJ,CIU,HYG,JNK,PHB,TLT,IEF,SHY,SHV,BND,AGG,MUB,MBB,
- Commodities Mixed -- Some up, Some down
11/23/2010
Commodities will play an increasingly important role as we climb out of the recent market mayhem and inflation becomes a reality. MyPlanIQ tracks detailed weekly commodity trend movement.
COMMENTDescription
Symbol
Nov 22 Trend Score
Direction
Nov 15 Trend Score
Silver
SLV
35.14%
^
26.46%
Precious Metals
DBP
13.24%
^
11.91%
Agriculture
DBA
8.69%
^
8.44%
Gold
GLD
8.55%
v
8.70%
Commodity
DBC
4.81%
v
5.52%
Base Metals
DBB
3.80%
v
8.54%
Energy
DBE
1.68%
^
1.67%
US Oil
USO
0.24%
v
1.12%
Natural Gas
UNG
-9.10%
^
-19.17%
COMMENT
Top 3
Bottom Three
COMMENT
CONCLUSIONlabels:investment,
Symbols:SLV,DBP,GLD,DBB,DBA,DBC,DBE,USO,UNG,SPY,QQQQ,IWM,MDY,EFA,VEU,EEM,VWO,IYR,ICF,VNQ,GSG,LQD,CSJ,CIU,HYG,JNK,PHB,TLT,IEF,SHY,SHV,BND,AGG,MUB,MBB,
- Most Countries Rebound Some Do Not
11/23/2010
MyPlanIQ tracks detailed weekly country economic trend movement. We use ETFs that represent each geographic region and present the results here.
This is the second week of coverage and with QE2 and G20 meetings behind us. Each sovereign nation will deal with their own challenges as they react changes on the international stage.
More details are available on the MyPlanIQ website.
The largest industrial nations are meeting in Seoul this week and one of the topics on the agenda is rebalancing global growth.Description
Symbol
Nov 22 Trend Score
Direction
Nov 15 Trend Score
South Africa
EZA
18%
^
14%
Mexico
EWW
16%
^
12%
Hong Kong
EWH
14%
v
16%
South Korea
EWY
14%
^
10%
Malaysia
EWM
13%
^
11%
Singapore
EWS
13%
^
13%
Germany
EWG
12%
^
8%
Taiwan
EWT
11%
^
8%
Australia
EWA
11%
^
7%
Russia
RSX
10%
^
7%
Canada
EWC
10%
^
7%
India
INP
9%
v
12%
Austria
EWO
9%
^
5%
Brazil
EWZ
9%
^
5%
Switzerland
EWL
9%
^
6%
United Kingdom
EWU
9%
^
8%
Belgium
EWK
8%
^
5%
The Netherlands
EWN
8%
^
4%
Japan
EWJ
7%
^
4%
France
EWQ
7%
^
4%
China
FXI
5%
v
6%
Italy
EWI
3%
^
1%
Spain
EWP
0%
^
-1%
COMMENT
Top Five
COMMENT
Bottom Five
COMMENT
CONCLUSION
labels:investment,
Symbols:INP,EZA,EWS,EWH,EWW,EWM,EWY,RSX,EWA,EWT,EWC,EWZ,EWL,EWG,EWU,FXI,EWK,EWN,EWJ,EWQ,EWO,EWI,EWP,SPY,QQQQ,IWM,MDY,EFA,VEU,EEM,VWO,IYR,ICF,VNQ,GSG,DBC,DBA,USO,LQD,CSJ,CIU,HYG,JNK,PHB,TLT,IEF,SHY,SHV,BND,AGG,MUB,MBB,
- Commodity ETFs Show Muted Downturn This Week
11/20/2010
Commodities will play an increasingly important role as we climb out of the recent market mayhem and inflation becomes a reality. We track detailed weekly commodity trend movements.
Jeremy Grantham mentioned his belief that commodities will be a pressure point going forward.
All the indices have been on a downward trend and commodities follow suit. However, the amount they are down is less than other indices.
Description
Symbol
15-Nov
Direction
8-Nov
Silver
(SLV)
26%
v
34%
Precious Metals
(DBP)
12%
v
17%
Gold
(GLD)
9%
v
13%
Base Metals
(DBB)
9%
v
13%
Agriculture
(DBA)
8%
v
14%
Commodity
(DBC)
6%
v
10%
Energy
(DBE)
2%
v
3%
US Oil
(USO)
1%
v
3%
Natural Gas
(UNG)
-19%
v
-18%
Silver drops below gold and precious metals. Gold has the most muted response with its dual role as currency backup and precious commodity to which people move in times of financial turbulence.
Energy and oil drop significantly as consumption may drop and natural gas continues its recent consistent decline.
Last week was a shock across the board, we have seen that commodities have been the least impacted and next week, we will see if there is any sort of rebound.
labels:investment,
Symbols:AGG,BND,CIU,CSJ,DBA,DBB,DBC,DBE,DBP,EEM,EFA,GLD,GSG,HYG,ICF,IEF,IWM,IYR,JNK,LQD,MBB,MDY,MUB,PHB,QQQQ,SHV,SHY,SLV,SPY,TLT,UNG,USO,VEU,VNQ,VWO,
- Top US Sectors Weather the week well -- bottom half feels the pain
11/19/2010
US sectors provide insight into the parts of the US economy that are flourishing or floundering. We are tracking the ETF's that represent ten different financial sectors.
More details are available on the MyPlanIQ website.Description
Symbol
15-Nov
Direction
8-Nov
Consumer Discretionary
XLY
11%
v
14%
Energy
XLE
10%
^
10%
Telecom
IYZ
10%
v
13%
Materials
XLB
9%
v
13%
Industries
XLI
7%
v
11%
Technology
XLK
7%
v
12%
Consumer Staples
XLP
5%
v
7%
Utilities
XLU
3%
v
7%
Healthcare
XLV
3%
v
6%
Financial
XLF
1%
v
6%
We are observing the same drops as the other indices we are tracking. Materials moved out of the top three to be replaced by energy which was the only marker to have a gain last week. The weather pays no attention to financial conditions and we are entering into the cold season in the northern hemisphere where the majority of the energy is consumed.
Telecom was hit by a gloomy Cisco forecast but that is offset by the growth in smart cell phones. Consumer discretionary held up reasonably well as there is still a belief that the Holiday season will be stronger than last year,
Utilities and healthcare continue their downward move as they will continue to be under pressure from increasing costs and a consumer who is very concerned about cost.
The financial sector continues to be under pressure with concerns on stability, currency fluctuations and mortgages.labels:investment,
Symbols:XLY,IYZ,XLI,XLB,XLK,XLE,XLF,XLP,XLU,XLV,SPY,QQQQ,IWM,MDY,EFA,VEU,EEM,VWO,IYR,ICF,VNQ,GSG,DBC,DBA,USO,LQD,CSJ,CIU,HYG,JNK,PHB,TLT,IEF,SHY,SHV,BND,AGG,MUB,MBB,
- Commodity Indicators for Week of November 15th
11/17/2010
- Where is the Smart Money Going
11/17/2010
- Countries All Drop -- India significantly, Japan only a little
11/16/2010
- ETFs Provide Insight Into U.S. Sectors' Performance
11/12/2010
- International ETF's Give Insight on Global Economies
11/10/2010
- Ford Motor Company 401K Plan: Diversified and High Quality
10/24/2010
- Case Study: Hewlett Packard's 401K Plan
10/09/2010
- Google’s 401K Plan: Another Good Employee Benefit
09/26/2010
- Armstrong Index Based Lazy Portfolio Returns Study
09/17/2010
- Getting Most out of Your Retirement Plan: A Case Study on Hewlett Packard 401K Plan
09/16/2010
- How Does Your Garden Grow?
09/16/2010
- Apartment Investment and Management Company 401(k) Retirement Plan Report On 12/03/2010
12/03/2010
This report reviews Apartment Investment and Management Company 401(k) Retirement Plan plan. We will discuss the investment choices and present the plan rating by MyPlanIQ. Current economic and market conditions are discussed in the context of the investment portfolios in the plan. We will then show how participants in Apartment Investment and Management Company 401(k) Retirement Plan can achieve reasonable investment results using asset allocation strategies.
Plan Review and Rating
Apartment Investment and Management Company 401(k) Retirement Plan's 401K plan consists of 22 funds. These funds enable participants to gain exposure to 4 major assets: US Equity, Foreign Equity, REITs, Fixed Income. The list of minor asset classes covered:
Foreign Large Growth: EFG
Inflation-protected Bond: TIP
Intermediate-term Bond: AGG, CIU, BIV, BND
Large Blend: IVV, IYY, IWV, VTI, VV, SPY, DLN, RSP, SCHX
Large Growth: IVW, IWZ, JKE, VUG, ELG, QQQQ, RPG, SCHG
Large Value: IVE, IWW, JKF, VTV, ELV, PWV, RPV, SCHV
Mid-cap Blend: IJH, IWR, JKG, VO, MDY, EMM, PJG, DON, EZM, MVV
Real Estate: IYR, ICF, VNQ
Retirement Income:
Small Blend: IJR, IWM, JKJ, VB, DSC, PJM, DES, SAA, UWM, SCHA
Small Growth: IJT, IWO, JKK, VBK, DSG, PWT, RZG, UKK
Small Value: IJS, IWN, JKL, VBR, DSV, PWY, RZV, UVT
Target Date 2000-2010: TZD
Target Date 2016-2020: TZG
Target Date 2026-2030: TZL
Target Date 2036-2040: TZV
Target Date 2050+:
As of Dec 2, 2010, this plan investment choice is rated as based on MyPlanIQ Plan Rating methodology that measures the effectiveness of a plan's available investment funds. It has the following detailed ratings:
Diversification -- Rated as (76%)
Fund Quality -- Rated as (36%)
Portfolio Building -- Rated as (87%)
Overall Rating: (68%)Current Economic and Market Conditions
We have experienced an uncertain 2010: plenty of worries on whether the US economy will climb out of the great recession and recover.
- The Federal Reserve embarked on Quantitative Easing II (QE2) to stimulate the economy.
- The housing market is still at its low but largely stabilized.
- The unemployment rate is stuck at 9%.
Americans continue to face an uncertain future, given (among others) the high unemployment rate, large federal and local government debts and global trade imbalance. With such an economic backdrop, the stock and debt markets are going to be volatile. Despite this, markets have been resilient and appear positioned to rebound.
In this market it is even more critical to properly diversify and respond market changes. MyPlanIQ offers two asset allocation strategies: strategic and tactical asset allocation strategies ( SAA and TAA for participants in Apartment Investment and Management Company 401(k) Retirement Plan).
Strategic Asset Allocation is based on well known modern portfolio theory and its key features include: diversification, proper fund selection and periodically re-balancing.
Tactical Asset Allocation works on a diversified array of assets provided by funds in a plan and adjusts asset mixes based on market conditions such as asset price momentum utilized by TAA.
Portfolio Discussions
The chart and table below show the historical performance of moderate model portfolios employing strategic and tactical asset allocation strategies. For comparison purpose, we also include the moderate model portfolios of a typical 4 asset SIB (Simpler Is Better) plan . This SIB plan has the following candidate index funds and their ETFs equivalent:
US Equity: (SPY or VTI)
Foreign Equity: (EFA or VEU)
REITs: (IYR or VNQ or ICF)
Fixed Income: (AGG or BND)
Performance chart (as of Dec 2, 2010)Performance table (as of Dec 2, 2010)
Portfolio Name 1Yr AR 1Yr Sharpe 3Yr AR 3Yr Sharpe 5Yr AR 5Yr Sharpe Apartment Investment and Management Company 401(k) Retirement Plan Tactical Asset Allocation Moderate 15% 97% 10% 84% 12% 98% Apartment Investment and Management Company 401(k) Retirement Plan Strategic Asset Allocation Moderate 13% 120% 4% 19% 6% 30% Four Core Asset Index Funds REITs Tactical Asset Allocation Moderate 8% 58% 6% 54% 9% 80% Four Core Asset Index Funds REITs Strategic Asset Allocation Moderate 11% 87% 2% 6% 5% 20% Currently, asset classes in US Equity (SPY,VTI), Foreign Equity (EFA,VEU) and REITs (IYR,VNQ,ICF) are doing relatively well. These asset classes are available to Apartment Investment and Management Company 401(k) Retirement Plan participants.
To summarize, Apartment Investment and Management Company 401(k) Retirement Plan plan participants can achieve reasonable investment returns by adopting asset allocation strategies that are tailored to their risk profiles.
Symbols: AIV , SPY , VTI , EFA , VEU , IYR , VNQ , ICF , AGG , BND , CIU , BIV , EFG , IVE , IWW , JKF , VTV , ELV , PWV , RPV , SCHV , TZD , TZG , TZL , TZV , IVV , IYY , IWV , VV , DLN , RSP , SCHX , IVW , IWZ , JKE , VUG , ELG , QQQQ , RPG , SCHG , IJH , IWR , JKG , VO , MDY , EMM , PJG , DON , EZM , MVV , IJS , IWN , JKL , VBR , DSV , PWY , RZV , UVT , IJR , IWM , JKJ , VB , DSC , PJM , DES , SAA , UWM , SCHA , IJT , IWO , JKK , VBK , DSG , PWT , RZG , UKK , TIP
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