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, July 22, 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.

New Feature

We are pleased to announce that we have a new page Fixed Income Bond Fund Portfolios that features 5 major bond fund portfolios. All of the bond fund portfolios were discussed in our previous newsletters: 

They are fully customized to major brokerages such as Fidelity, Schwab and TDAmeritrade. Consistent with our previous messages, we believe it is even more critical for us to provide these types of portfolios for conservative and income investors who are now facing a much hostile investing environment in the current extremely low rate environment. 
Again, this page can be found by clicking on ‘What We Do -> ETF, Mutual Fund Portfolios-> Fixed Income Bond Fund Portfolios (on the right panel)’.  In the coming weeks, we will re-organize and consolidate our portfolios to make them easier to look up and simpler to use and compare. Watch our website!

How Bear Markets Affect Your Retirement Income And Spending

How much can you spend during retirement is always an important topic for many retirees or people who are close to retirement. A rule of thumb is that one can withdraw safely 4% of your investments annually for a moderate or conservative portfolio to last for about 30 years. Many other safe withdrawal methods have been proposed and/or used by retirees. MyPlanIQ has an extensive collection of various withdrawal strategies and they can be tested, coupled with a portfolio for withdrawal and deposit to account for a portfolio’s cash flow.

For example, the strategy Floor and Ceiling Retirement Strategy with 4 Percent Fixed Percentage is one of variable withdrawal strategies in order to maximize withdrawals while at the same time incorporating some provision to reduce withdrawals.

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