We discuss risk and volatility, especially with respect to the investment time horizon using S&P 500 data in the past 145 years. 

With three major total return bond ETFs in the markets and several index ETFs in key bond categories, we believe we are getting very close to construct an ETF based portfolio that’s comparable with mutual fund based portfolios. 

We review asset class trends in the last quarter and discuss several possible scenarios. 

There are several factors to consider even among tax deferred retirement accounts. 

High fees are still rampant in 401k and retail investing. We also discuss how to cope with this. 

Stocks are extremely over valued based on several long term stock valuation metrics. We review the metrics and discuss the implication on portfolios.

We discuss core and sub asset classes for retirement investments. 

We review Fidelity Total Bond mutual fund whose managers have won the Morningstar’s Fixed Income Manager of the Year award in 2016. 

We review and discuss long term timing based US stock portfolios and their roles in one’s overall investments.

We review alternative investment portfolios and discuss their outlook. 

We review the tax free municipal bond investment portfolios and discuss their outlook. 

We introduce major brokerage specific conservative portfolios using a combination stock index funds and total return bond fund portfolios. 

We review our fixed income total return bond fund portfolios in 2016. In 2016, these portfolios outperformed the benchmark again. We also discuss the fixed income outlook. 

We review tatical asset allocation portfolios in 2016 and examine their underperformance in close details. 

We review tatical asset allocation portfolios in 2016 and examine their underperformance in close details. 

We review strategic asset allocation portfolios in 2016 and discuss asset outlook in 2017. 

Enhanced index funds can be alternatives for asset classes that improve portfolio returns. 

We review broad base core mutual funds used in our brokerage plans. 

We review core index ETFs used in our brokerage investment plans. 

We look at international exposure of US large companies’ business and discuss its impact on asset allocation.