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, June 2, 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.

In praise of low cost core asset class based portfolios

We are a firm believer in simplicity. Many greatest inventions or scientific discoveries in human history lie in some simple and elegant concepts. This is also true in investing. We have always advocated Simpler Is Better (SIB) portfolios. These portfolios are constructed out of a list of low cost major asset class index funds or ETFs. The major asset classes include the following:

  • US stocks
  • Developed countries stocks
  • Emerging market stocks
  • REITs (US or Global)
  • Commodities
  • US total bonds

With the advent of low cost index mutual funds such as Vanguard funds and ETFs, investors now can use these broad base liquid funds to have exposure to the above asset classes. The most representative plans are

In  Strategic Asset Allocation  portfolios, this concept of low cost index fund based diversified portfolios has been discussed and advocated widely. The famous lazy portfolios (see, for example, some of those covered on Lazy Portfolios page) are one types of examples.

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