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, February 6, 2017. You can also find the re-balance calendar for 2017 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.


Several readers wrote to us, pointing out an error in our total return bond performance table in the previous newsletter. Specifically, PIMCO Income fund PONDX‘s 2016 total return should be 8.3%, not 2.8%. This error only occurred in our comparison and quote methods. It does not affect our strategy algorithm. It has been corrected. We thank the users for their help!

Brokerage Specific Conservative Portfolios

In addition to the total return bond fund portfolios we reviewed last week, we are also an advocate on conservative portfolios using a combination of stock index funds and total return bond funds. We detailed this type of portfolios in our previous newsletter April 11, 2016: Construction of Sound And Conservative Portfolios. In that newsletter and other previous newsletters, we pointed out the advantages of investing in these conservative portfolios:

  • Conservative portfolios usually have the best risk adjusted returns (in terms of Sharpe ratio) among stock and bond asset allocation portfolios. The reason being that by scaling down stock (risk asset) allocation to a level that can be matched with bonds in terms of risk, one can maximize returns with the least risk taken. 
  • Conservative portfolios can be used tactically when a stock market is way overvalued, such as the current market. It can be used an an anchor to wait till the valuation becomes more reasonable without completely sacrificing the returns of late stage stock markets. 

In the previous newsletter, we introduced two portfolios that have the following allocations: 

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