Re-balance Cycle Reminder All MyPlanIQ’s newsletters are archived here.

Regular AAC (Asset Allocation Composite), SAA and TAA portfolios are always rebalanced on the first trading day of a month. the next re-balance will be on Friday May 1, 2020.

Please note: As of March 1, 2020, we officially phased out our old rebalance calendar for both SAA and TAA. They are now always rebalanced on the first trading day of a month. 

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.

Total Return Bond Funds & Portfolios

We have featured and monitored our total return bond fund portfolios for about 10 years now. These portfolios are listed on our Fixed Income page. In light of the recent volatile events in financial markets, it’s a good time to review the latest performance of the candidate funds and the portfolios. 

Total return bond mutual funds

Our fixed income portfolios are based on the momentum fund selection strategy utilized in MyPlanIQ portfolios. Every month, the strategy chooses a fund with the highest momentum score among a list of candidate funds. In the event that all of the candidate funds have negative momentum scores, cash or money market fund is chosen. The candidate funds are total return bond funds (and some intermediate term corporate bond funds) whose managers have been named at least once as Fixed Income Manager of The Year by Morningstar. These funds should be no-load (or load waived), no transaction fee in a brokerage. For example, the following are the candidate funds for Schwab Total Return Bond:

PBDAXPIMCO Investment Grade Corp Bd A
PDBZXPrudential Total Return Bond Z
PONAXPIMCO Income A
DLTNXDoubleLine Total Return Bond N
WABRXWestern Asset Core Bond R
TGMNXTCW Total Return Bond N
PTTAXPIMCO Total Return A
MWTRXMetropolitan West Total Return Bond M
LSBRXLoomis Sayles Bond Retail

All of them are available in Schwab as no load and no transaction fee. In general, these funds are retail class shares so that they have a ver low minimum (such as $1000 to $3000). Furthermore, our strategy automatically enforces the minimum holding period and round trip limit restriction imposed by a brokerage. Most funds do have three month minimum holding period requirement. 

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