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, October 20, 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.

Equity and Total Return Bond Fund Composite Portfolios

We believe that for a taxable brokerage account, the ‘best’ portfolio would be a composite portfolio that consists of two portfolios: one is a pure equity (risk profile 0) portfolio and the other one is a fixed income portfolio that is based on total return bond fund rotation (Fixed Income Bond Fund Portfolios): 

In this newsletter, we want to discuss this approach in some more details. First, let’s review how these portfolios have performed: 

Total Return Bond Fund Portfolios

Ticker/Portfolio NameYTD
1Yr AR3Yr AR5Yr AR10Yr AR
Schwab Total Return Bond5.9%9.7%6.0%7.6%7.5%
Fidelity Total Return Bond5.0%5.0%5.6%7.2%6.7%
TDAmeritrade Total Return Bond5.9%8.4%7.7%7.4%7.2%
FolioInvesting Total Return Bond5.9%9.7%6.0%7.6%7.5%
Etrade Total Return Bond5.9%9.7%6.0%7.5%7.6%
PTTRX (PIMCO Total Return Instl)3.0%5.1%3.9%5.2%6.0%
VBMFX (Vanguard Total Bond Market Index Inv)3.3%4.7%2.0%3.9%4.5%

**YTD: Year to Date (as of 9/15/2014)

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