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, September 30, 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.

Feature Change

We have removed ‘Follow’ feature/button on a portfolio page. The reason we are deprecating this ‘Follow’ feature is to make sure a model portfolio users follow is in sync with his/her actual account, in terms of fund holding period calculation. When you follow an existing portfolio and start to purchase its current holdings in your actual account, the holding period for the fund you just purchase is going to be different from that in the existing model portfolio. This can create problems going forward, especially for mutual fund based portfolios. To accommodate this, we believe the best way is to follow a newly customized portfolio (from the existing model portfolio you want to mirror) which only start to count the holding periods today, similar to the funds you purchase in your account (assuming you don’t delay the purchase). 

For existing ‘followed’ portfolios, this removal will not affect your current model portfolios (listed on your ‘Dashboard’). This will only affect any new usage. So whatever you have been following, this feature change will have no effect. 

Fixed Income No More?

The term ‘fixed income’ has a warm and fuzzy meaning to many income investors, especially for retirees and baby boomers. As we have been so fixated and used to the steady coupons and capital gains delivered by bonds, it is hard to believe that this is coming to end. The following chart shows the total return of Vanguard total bond index fund (VBMFX) since 1990:

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