Income & Savings

Steady high income & enhanced cash savings

We prioritize helping you achieve steady high income and enhance your cash savings. Our dedication to research and portfolio management enables us to offer unique solutions and resources for generating consistent income:

  • Best fixed income bond fund based income portfolios: our bond mutual fund and ETF based portfolios have consistently outperformed even the best bond funds over the past decade, providing a reliable anchor for steady income.
  • Information on how to bank on your own: regularly updated resources on utilizing broker CDs, Treasury and government agency bills, and short-term bonds to maximize your savings.
  • Income and savings tips: valuable tips and articles on generating income and savings through diverse investments and side hustles, such as real estate investments, online lending, and various businesses.

No matter if you’re a retiree seeking financial stability, someone in search of additional income, or simply concerned about optimizing your savings and banking practices, our platform is an invaluable resource that you can count on. 


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High quality resources for 401k, 403b, 529 retirement plans on investment, contribution, fees, retirement planning and much more ...

Model portfolios for income investors

  • Model portfolios for major brokerages
  • Based on excellent total return bond mutual fund
  • Based on total return bond ETFs
  • Outperformed even best bond mutual funds for past decade

Better Savings & Higher Short Term Interests

  • Enhanced ‘money market’ like ETF portfolios
  • Knowledge on how to get much better yields from broker CDs and Treasury bills
  • Better banking tips

Featured Income & Savings Articles

S&P Good Sectors Review

We examine the latest business metrics for the four favorable S&P 500 sectors and discuss the latest performance of the portfolios using these sector ETFs as candidate funds.

Portfolio Calculator (Simulator)

Quickly enter fund allocation and get a back test result on the performance of this 'lazy' portfolio.

Retirement Calculator

See how much you can save for retirement.

Customize Asset Allocation Portfolios

Build a custom model portfolio using our asset strategic or tactical strategies, tailored to a 401(k) plan or for a brokerage account.

Investment Calculator

Grow your wealth and see the power of compounding

Looking for a (forgotten) 401(k)?

Find plan contact info, plan expense, investment options or how to select investments on your 401k plan ...