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 17, 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.

Practical Consideration For IRAs And 401k Accounts

It’s very common for many users to have several accounts – some of them are 401k or employer sponsored retirement accounts, some of them are IRAs and some of them are taxable accounts. In this newsletter, we look at IRAs and 401k type accounts in more details and offer some observations. For a related topic on how to allocate overall capital across multiple accounts, please refer to December 16, 2013: Tax Efficient Portfolio Planning

Brokerages for IRAs

Many major brokerages still target active traders instead of portfolio builders. To the extent we have investigated, we are really not satisfied with what’s provided for retail investors who just want to construct a balanced asset allocation portfolio instead of trading ETFs and stocks.  For example, so far, no brokerages other than FolioInvesting provide a basket portfolio rebalance feature that allow investors to rebalance a portfolio at once, not being forced to issue many sell and buy orders. The good news is that such a feature exists in many 401k accounts. However, if you limit yourself to only finding a brokerage that’s good for portfolio construction, here are some of our observations: 


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