We look at the latest factor based ETFs and their momentum based rotation portfolios 

We reviewed a typical 401k plan’s model portfolios 

We revisit the long term moving average timing data for S&P 500 since 1871. Again such a simple strategy has been able to avoid larger loss even in the current crisis. 

We review bond ETFs and compare their behavior from mutual funds. We also continue our discussion on Covid-19 

We believe stock markets are approaching to some reasonable (still not bargain) levels 

We review current market conditions and discuss likely scenarios of the pandemic and its impact on economy and financial markets 

We examine popular risk and reward notion and discuss under the current market condition.  

We examine the risk of the new coronavirus outbreak and discuss its impact on economy and financial markets.  

We examine closely long term stock valuation metric strategies and show that some improvements of a simple strategy can drastically improve returns.  

We review the latest interest rates of money market funds, bank cash, Treasury bills and brokered CDs. 

We look at stock investing strategies for retirees. 

We look at fixed income investing strategies for retirees. 

We revisit walk in the past to look at portfolio returns in history. 

We discuss our asset outlook and point out that it’s more important to adopt an active (tactical) portfolio strategy from now on as risk is rising. 

We again answer some of our users’ recent questions. 

We clarify our offerings and discuss how to utilize practical advanced portfolios. 

We have the latest update on the recent published newsletters.

We discuss a hybrid ETF and mutual fund portfolio. 

We introduce our new Asset Allocation Composite strategy and discuss its brokerage based model portfolios. 

We introduce composite momentum that’s a combination of our market indicator and momentum. We show good improvement on portfolios’ returns. 

We introduce a factor ETF rotation portfolio based on momentum of these ETFs. The results show that the portfolio can improve static allocation portfolios. 

We look at multi-factor (value, quality, low volatility and momentum) ETFs and portfolios. We believe factor ETFs can add good value to an asset allocation portfolio. 

We look at value-momentum combined ETFs. 

Low volatility factor can indeed outperform broad base stock indexes. 

Many brokerages are now offering unlimited commission free stock and ETF trades. But that doesn’t necessarily bode well to investment cost improvement. 

We explore a bond ETF portfolio that includes muni bond funds and show that it can probably match returns of mutual fund based portfolios. 

We look at value factor based ETFs and discuss the value investing future. 

We review the most popular stock factors and their indexes. We believe that using these factor based index funds can enhance investment returns with similar risk. 

We review several momentum stock ETFs, especially on iShares Momentum Factor ETF MTUM. We are impressed with its performance and methodology. 

Employer-matching contributions to a retirement plan are free lunches that are missed by about one third of participants. 

Star funds can and will falter one day and investors should have a strategy to deal with it. 

We review a total return bond plus muni bond fund portfolio and see whether it can be made more aggressive. 

We review the current market carnage by looking at asset trends. We further discuss the importance of staying the course. 

We look at our total return bond fixed income portfolios for retirement income and discuss the implication of the upcoming lower rate environment. 

We examine our conservative core satellite portfolio and learn from its recent behavior, especially from its tactical component. 

Quality stock ETFs deliver better long term returns than broad base stock index funds. 

We closely look at the latest quarterly report from Schwab and pointed out that brokerages make most of profit from client cash, not from commissions. 

Utility stocks offer comparable long term returns, lower volatility and better momentum, compared with S&P 500. 

Actively management in portfolios, being stock picking or allocation, hasn’t paid off for both global and domestic allocation funds. 

We again review the long term performance of several tactical portfolios and point out their outstanding long term performance. 

We review current cash market and discuss ultra short term bond mutual funds. 

We analyze the stock seasonality timing portfolio and see what we can learn from its past behavior. 

Morningstar announces its first outstanding portfolio manager award. We review the two bond funds managed by the managers in this category. 

We again review total return bond ETFs and point out that they are now fairly competitive. Portfolios using these ETFs as candidate funds can be used as ‘cash’ substitute during a market stress. 

US large companies have become more global and thus, asset allocation should be adjusted to accommodate this. 

We review major asset trends and point out that the recent stock strength is not yet uniform enough. 

We look at the current fixed income/bond markets and observe that they are now somewhat stabilized but still are adjusting to economic reality. 

We argue that it’s important to pay attention to fixed income investments as higher returns from fixed income are critical to a retirement account. 

Updated newsletter collection to include the latest articles. 

As a ‘business’, S&P 500 has behaved very well in a very long term period and it has a real long term advantage.