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, September 9, 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.

Employer 401k Match: Yet Another Free Lunch Not To Be Missed

People tend to be very short sighted and possess strong inertia (a stronger word: laziness). For years, we have detailed a low interest rate phenomenon: with some small efforts, one can get a much higher interests (as much as 1-2%) over their bank and brokerage cash by switching/transferring to a high paying money market fund (such as a very safe Vanguard Federal Money Market fund (paying as much as 2.12% at the moment) or a high yield savings account. Other examples are investing in index funds with much higher expenses instead of much lower cost index funds that track the same indexes. 

Speaking of missing out free lunches, we see another obvious one in retirement investing: employer matching contributions that are totally free and no risk. In this newsletter, we look at the latest (2018) Vanguard’s retirement plan studies and see how people save.

Some data in Vanguard 2018 retirement plan studies

Vanguard’s studies is drawn from its 1,900 qualified plans with about 5 million participants. Here are some key data from the studies:

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