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, July 27, 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.

Global Balanced Portfolio Benchmarks

Since the publication of last week’s newsletter July 13, 2015: Pain in Tactical Portfolios, several users have pointed out the incompleteness of just merely comparing our Tactical Asset Allocation(TAA) based portfolios against S&P 500 stock index fund (VFINX (Vanguard (S&P 500) Index)). It would provide a more complete and balanced view by comparing with some global balanced portfolio benchmarks. 

The main reason to compare with a global balanced portfolio instead of a single stock index is that in practice, most investors invest in a diversified portfolio. This is true for both do it yourself investors or those who rely on investment advisors. For example, the two most popular ‘Robo’ advisors Wealthfront and Betterment have sizable exposures in international and emerging market stocks (see Faber’s studies here). Furthermore, Weathfront’s portfolios have exposure in REITs and commodities also. These are certainly the major asset classes we at MyPlanIQ have been using. 

Today, even in a retirement plan such as 401k or 403b, international stock funds are pretty much standard options. Many provide other investment options including emerging market stocks, Europe stocks and REITs. So it is again not uncommon for investors to have a global oriented portfolio. 

Please login or register an account to view the newsletter