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, December 14, 2015. You can also find the re-balance calendar for 2015 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.

Better Email Communication

It has come to our attention that several users have communicated with us by simply replying to our newsletter emails, performance report emails or signup emails. In general, all of these emails are sent from either support at or newsletter at These emails can be easily overlooked as they are usually buried in our backup system. To better serve you, we would like to ask you to email us with a new subject line instead of a reply. Thank you for understanding. 

Diversification And Global Allocation

Diversification has clearly encountered some problems for the past several years. First in 2013, gold and commodities started to weaken. Emerging market stocks followed the lead. Since 2014, everything other than US stocks and REITs have lost money: 

Index Performance Comparison (as of 12/7/2015):
Index FundYTD
1Yr AR3Yr AR5Yr AR10Yr AR
SPY (SPDR S&P 500 ETF)3.5%3.0%16.4%13.6%7.3%
EFA (iShares MSCI EAFE)1.7%-2.1%6.4%4.3%3.4%
EEM (iShares MSCI Emerging Markets)-13.1%-15.5%-5.0%-4.5%3.6%
IYR (iShares US Real Estate)-0.0%0.8%9.6%10.3%5.6%
GLD (SPDR Gold Shares)-8.4%-10.2%-14.2%-5.5%7.5%
AGG (iShares Core US Aggregate Bond)0.5%0.9%1.3%3.1%4.4%

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