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, November 18, 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.

Introducing MyPlanIQ Asset Allocation Composite Strategy

In last week’s newsletter November 11, 2019: Market Indicator And Momentum, we introduced Composite Momentum strategy that, in addition to relative momentum among funds and assets, incorporates a general risk asset market condition indicator to guide risk asset allocation. 

In this newsletter, we introduce our new Asset Allocation Composite (AAC) strategy and its use in asset allocation portfolios for brokerage investment accounts (IRA or taxable) and retirement plans such as 401k, 403b and annuity. 

Asset allocation

As always, we believe in diversification among major assets that include US stocks, international developed market stocks, emerging market stocks, Real Estate (REITs), commodities and bonds. Among the major risk assets (i.e. the assets other than bonds mentioned in the above), we adopt a long term strategic view that’s similar to our Strategic Asset Allocation. We further recognize that US companies, especially large companies, have oversized exposure in oversea or international markets. Thus, US stock allocation actually includes some non-insignificant exposure that needs to be taken into account. Our AAC  allocation now incorporates this viewpoint. 

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