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, April 2, 2017. You can also find the re-balance calendar for 2017 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.

Treasury Bills vs. Brokered CDs

As many readers know, we believe cash and short term investments play a great deal in one’s personal finance. Traditionally, many experts and investors just simply dismissed them as boring investments. But we have indicated the importance of these short term investments: 

  • Many people have day to day need for cash
  • Many people don’t know or are afraid of investing anything else 
  • Some let cash sit just in a sweeping money market fund that earns low or almost none interests when an investment strategy calls for or goes into cash. See, for example, April 13, 2015: Total Return Bond Funds As Smart Cash
  • Unfortunately, they don’t actually know how to or just don’t bother to invest in cash either. 

See more discussion in February 22, 2016: Be Cash Smart or October 2, 2017: The Role of Short Term Bond Funds

In general, we recommend the following allocation based on the time you need the capital: 

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