Re-balance Cycle Reminder All MyPlanIQ’s newsletters are archived here.

For regular SAA and TAA portfolios, the next re-balance will be on next Monday, November 24, 2014. You can also find the re-balance calendar for 2014 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.

Retirement Spending Portfolio Update

Many of our users are retirees or close to retirement. For them, maintaining a steady income from investments is paramount. We have addressed this topic several times. For example, in July 8, 2013: When To Retire And Bear Market Impact On Retirement Income And Spending newsletter, we looked at how several portfolios have behaved under a retirement withdrawal strategy called  Floor and Ceiling Retirement Strategy with 4 Percent Fixed Percentage. To recap, the withdrawal strategy basically withdraws 4% (adjusted with inflation) annually. But  it sets a floor and ceiling how much it can withdraw every year. For more details, please refer to the original newsletter. 

In the newsletter, we compared how such a spending strategy affects 5 different portfolios: 60% US stocks/40% US bonds, S&P 500 total return,  SAA optimal moderate, SAA equal weight modrate and TAA moderate.

Since then, markets have advanced dramatically (at least US stocks) and it is a good time to review how these portfolios have done.

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