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, January 13, 2014. 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.

How to benchmark portfolio returns

As 2013 is drawing to a close, we naturally would like to understand how well our investments have done. We often receive suggestions and complaints from our users on our portfolio comparison as our portfolios are always compared with the two de facto funds:VFINX (Vanguard 500 Index Investor) and VBINX (Vanguard Balanced Index Inv). However, simply comparing with these two funds is misleading, as many have pointed out. 

First, the risk profile or level of these funds might be different from the actual risk profile your portfolio has. That makes it less comparable. A simple way is to scale up or down VBINX to get the right scale. But that is not obvious and too kludge. 

Secondly, these two funds are predominantly U.S. stocks and bonds based. So they are not really comparable with a portfolio that is supposed to invest in global stocks and bonds. 

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