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 22, 2019. You can also find the re-balance calendar for 2019 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.

The Importance Of Fixed Income Returns For Retirement Spending

When it comes to retirement spending, it’s mostly agreed upon that a large amount of capital should be allocated to fixed income. However, it’s not well understood that the returns of fixed income portion are playing an important role in the overall wealth and portfolio allocation. 

Fixed income allocation

As we stated previously, an intuitive way to arrive at good allocations among stocks (risk assets) and bonds (fixed income) is to use a so called need based approach: first determine how much you can afford to invest in stocks. A rule of thumb is that you should invest in stocks for at least 15 years if you use a tactical asset allocation TAA or at least 20 years if you use a strategic asset allocation (buy and hold). 

Let’s again work through a few scenarios: 

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