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, January 19, 2016. 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.

What Worked And Didn’t In 2015

2015 marked another difficult year for many strategies. First, let’s review returns of major asset classes: 

Asset Performance (as of 1/4/2016):

Asset ETF20151Yr AR3Yr AR5Yr AR10Yr AR
SPY (SPDR S&P 500 ETF)1.3%-0.1%13.5%12.1%7.0%
EFA (iShares MSCI EAFE)-1.0%-2.1%3.0%3.1%2.6%
EEM (iShares MSCI Emerging Markets)-16.2%-17.4%-9.5%-6.0%2.5%
IYR (iShares US Real Estate)0.3%-1.9%7.8%9.7%5.6%
DBC (PowerShares DB Commodity Tracking ETF)-27.6%-27.6%-21.7%-13.5% 
GLD (SPDR Gold Shares)-10.7%-10.7%-14.4%-6.1%7.0%
BND (Vanguard Total Bond Market ETF)0.5%0.1%1.3%3.0% 
TLT (iShares 20+ Year Treasury Bond)-1.8%-1.8%2.7%8.2%6.5%

In a word, other than the meager returns from US stocks, REITs and US bonds, everything else down. Even for the US assets, only large cap growth and large cap blend stocks (such as those represented by S&P 500 SPY) had positive returns: 

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