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January 18, 2022: Steady And Consistency Win In The Long Term
Sticking to a good investing strategy for a long period of time (20 years or longer) is the only way to reap benefits from the strategy
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January 3, 2022: The Year In Rear View: Portfolio And Asset Class Review
We review our main portfolios in 2021..
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December 13, 2021: Present And Future
We review asset trends and discuss future returns.
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November 22, 2021: The ‘Best’ Balanced Fund Revisited
The T.Rowe Price Capital Allocation fund is again performing. However, we show that there are several ways to construct a portfolio to outperform it, both in terms of returns and risk .
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November 15, 2021: Q&A On MyPlanIQ Strategies And Portfolios
This newsletter clarifies several FAQs on our model portfolios and strategies. .
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November 8, 2021: Major Asset Returns In The Past Twenty Years
We look at major asset returns for the past 20 plus years and discussed their potential risk and returns.
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November 1, 2021: Latest Momentum Factor ETFs Review
We review latest stock factor ETFs and point out they are very similar in terms of their indexing methodoloty.
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October 25, 2021: A Long Term Theme Or Trend Doesn’t Necessarily Yield Good Returns
We discuss recent hot topic: theme based investing and conclude that a mega trend doesn’t equate a good long term return.
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October 18, 2021: Dimensional Fund Advisors DFA ETFs
We look at Dimensional Fund Advisors recently convereted ETFs and compare them with Vanguard.
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October 11, 2021: MyPlanIQ Ultra Short Term Bond Portfolio vs. Other Funds
We compare our ultra short term ETF portfolios with several famous bond funds. Specifically, we look at DoubleLine’s bond funds.
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October 4, 2021: Asset Trends, Market Internals And Inflation Implication
We review asset and market internals and discuss the possible secular interest rate change and its implication.
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September 27, 2021: Newsletter Collection Update
Regular newsletter collection update
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September 20, 2021: Benchmarking MyPlanIQ Fixed Income Bond Portfolios
We continue review of our fixed income portfolios and compare with Trend Pilot bond ETF PTBD.
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September 13, 2021: Benchmarking MyPlanIQ Tactical Portfolios
We compared our tactical portfolios with some popular tactical ETFs and mutual funds including Cambria global momentum GMOM and Ned Davis Tactical fund.
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August 30, 2021: Invest And Speculate: A Sensible Alternative To Buy And Hold
We review a very sensible strategy that combines valuation and tactical strategies.
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August 23, 2021: Style ETF Portfolio Review
We review style ETFs and portfolios that use same as candidate funds. We also discuss long term performance.
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August 16, 2021: Smart Factor ETFs Review
We review smart factor ETFs and our smart factor ETF portfolio.
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August 9, 2021: Best Global Allocation Funds vs. MyPlanIQ ETF Portfolios
We continue to show that our ETF portfolios have outperformed even the best global allocation funds.
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August 2, 2021: Major Asset Trends And Market Internals
The review of current market internals reveals some big concern.
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July 26, 2021: Ultra Short Term Bond ‘Money Market’ Portfolio And Banking
We review our ultra short term bond fund portfolio and discuss how it fits to be a money market fund substitute.We also again discuss how to utilize a brokerage account for banking activities.
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July 19, 2021: Take The Challenge of The ‘Best’ Balance Fund
We examine the best balance fund, T.Rowe Price capital appreciation fund and discuss our confidence to outperform it.
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July 12, 2021: The Long Forgotten Bear Market Cycles
We examine S&P 500 index total returns in its 93 plus year history and reveal that there are many bear or flat periods that are longer than 20 years. It’s important to be cautious and understand that the current bull market might end one day and likely enters a long period of bearish or flat market.
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June 28, 2021: Resuming Growth Trends Chaotically?
We review major asset trends and point out that large growth stocks are again in favor. We also speculate that the current market rise might be the final thrust before a big correction.
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June 21, 2021: Stocks Are Not Replacement Of Bonds
We discuss why bonds are still important and show that our portfolio actually outperformed S&P 500 since 2001.
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June 14, 2021: Outperform The Best Performing PIMCO Income Bond Fund
We review and compare our bond portfolios against the best bond fund PIMCO Income fund and show that our portfoios have outperformed it.
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June 7, 2021: “Good” S&P Sectors
We show how to use ‘good’ S&P 500 sectors to build portfolios that outperform S&P 500 index by good margins.
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May 24, 2021: Newsletter Collection Update
We look at the FIRE Financial Independence, Retire Early investment portfolios and withdrawals.
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May 17, 2021: Total Return Bond ETFs Review
We review and compare our total return bond mutual fund and ETF lineups. We then discuss two new total return bond ETFs that are promising.
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May 3, 2021: Inflation, Sub Zero Interest Rate …
We discuss inflation, valuation and risk in the current environment in the context of the latest commentaries by Warren Buffett and Charlie Munger in Berkshire’s annual meeting this weekend.
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April 26, 2021: The Best Active Fixed Income Funds Are Still Hard To Beat
PIMCO income and investment grade bond funds have outperformed their index funds consistently for the past 10 years and going. Some actively managed mutual funds are still hard to beat by low cost index funds including those Vanguard Dimensional Funds.
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April 19, 2021: New And Old Useful Features
We review several useful features. Our new powerful chart now replaces the old Flash chart.
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April 12, 2021: Risk Parity Funds In Current Environment
Risk parity strategy had done well until last year. We discuss their recent performance and the difficulties it’s facing going forward.
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April 5, 2021: DoubleLine Shiller CAPE 10 Based Funds Update
We review DoubleLine Shiller funds and discussed their strategies and their outperformance.
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March 29, 2021: International Stocks vs. US Stocks
We look at the valuation of international and US stocks. We further discuss how to utilize international stocks to diversify investments.
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March 22, 2021: Ultra Short Term Bond ETF Portfolio As A Money Market Fund
We introduce MPIQ Ulta Short Term Bond ETF portfolio and show that it’s as safe as a money market fund but offers higher returns.
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March 15, 2021: Make Your Own Private Bank
A brokerage investment account, used properly and consistently, can provide most banking services one needs.
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March 8, 2021: The Not So Orderly Market Rotation Amid Rising Bond Yields
We examine the current market disruption and discuss what to do with it.
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March 1, 2021: Average 20% Annual Returns: The Upper Bound Of Stock Investments?!
We discuss Berkshire Hathaway’s annual returns and compare that with a top mutual fund and one of our model portfolios.
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February 22, 2021: Rising Bond Yields And Current Stock Trends
We review current bond yields and look at stock internal trends to see how much stocks are affected.
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February 8, 2021: Total Return Bond ETFs Review
We looked at some new total return bond ETFs and review our ETF fixed income portfolio.
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February 1, 2021: REITs And Major Asset Trends
We review major asset trends and also look at REIT sectors in more details.
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January 25, 2021: Industry ETFs And ARK ETFs Portfolios
We discuss our industries ETF rotation portfolio and its use of ARK ETFs. We also discuss ARK investment methodology.
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January 11, 2021: Smart Cash Management: Can I Just Withdraw From My Bond Portfolio?
We show studies on regular withdrawal for relatively stable monthly spending need on some bond funds and portfolios. We conclude that if this approach is applied for a long period of time, it can actually result in much better than short term cash withdrawal approach.
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January 4, 2021: Our Investment Philosophy For 2021 And Beyond
We summarize our investment philosophy in order for our subscribers to understand our services more clearly.
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December 14, 2020: Style and Factor ETFs Portfolio Reviews
We review our style and factor ETF momentum portfolios and discuss their construction.
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December 7, 2020: A Really Long Term (30 Years) Stock Returns
We look at Japanese stock returns and discuss the current US stocks long term returns
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November 30, 2020: Higher Return Portfolios: Part 2
We further study higher return portfolio using industry ETFs.
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November 16, 2020: Higher Return Portfolios
We present several advanced portfolios whose returns are boosted by technology funds.
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November 9, 2020: Fixed Income Funds Update
We review PIMCO bond funds whose manager won the Morningstar award.
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November 2, 2020: Polls Are Useless vs. This Investment Strategy Doesn’t Work!
We argue that one shouldn’t quickly accept or dismiss an election poll just because a low probability event occurs. This is similar to an investment strategy


















































