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 13, 2015. 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.

More About Brokerage Specific Core Mutual Fund Portfolios

We mentioned several brokerage specific mutual fund portfolios in the previous newsletter March 16, 2015: Brokerage Specific Core Mutual Fund Portfolios. This caused several confusions that we would like to clarify:

  • Confusion 1: “We are moving away from ETFs”: In fact, the opposite is true. We are an advocate of low cost ETFs based portfolios. The portfolios mentioned in the previous newsletter are meant for investors who prefer using mutual funds instead of ETFs. But that does not mean we are abandoning ETFs. 
  • Confusion 2: “You will still support the brokerage selected mutual fund portfolios, together with the core mutual fund portfolios”: Our intention is to transition to core mutual fund only portfolios. At the moment, we are still getting more feedback from our users. Furthermore, even after the transition,  expert users can still maintain the plans themselves. We will still have these plans and their portfolios available but just not actively maintaining them officially. 
Please actively give us feedback by replying to Brokerage Specific Core Mutual Funds Plans: Suggestions & Opinions in our forum

Investment Arithmetic for Long Term Investments

Noises and misconceptions are abundant in popular financial media. To make convincing and simple enough arguments for those who are impatient, experts usually resort to sound bites to teach masses. For example, when investors are discussing an overvalued stock market, an often cited statement is “I’m a long term investor, so I’ll simply holding the investments”. 

For most people, this statement implies that if your investments are long term, you should care less about where the markets are right now. Whether it is overvalued or undervalued, if your investment horizon is ‘long’ enough, current market conditions do not really affect the outcome after a long time. 

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