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, April 28, 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.

The Unbeatable 60%/40% US Stocks and Bonds Portfolio?

A user has posted the following questions and would like us to address them in our newsletter: 

Based upon what I see, it doesn’t matter whether you were using TAA, SAA Opt, or SAA equal, for the last 1, 3 and 5 years, Vanguard Balanced has out performed all the Moderate plans.  Only the crash within the 10 year horizon caused the Moderate plans to perform better and only slightly better at that.  Your thoughts and observations on this finding would be appreciated.  Why do you think this is so?  What do you think will happen in the future?  Why should one not follow any of the Moderate plans and just use Vanguard Balanced instead?  What if your time horizon is, say, 10-15 years? (College funds)  How about longer? 

These are the great questions that many users might have. Before we answer these questions, we would like to remind readers that we have addressed similar topics in our newsletters several times. We would like again to recommend anyone who is new to browse the newsletter collections. In terms of performance comparison, many portfolios mentioned below were discussed in 

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