-
March 27, 2017: Practical Consideration For IRAs And 401k Accounts
There are several factors to consider even among tax deferred retirement accounts.
-
March 20, 2017: Fund Fees: That’s (Still) Outrageous
High fees are still rampant in 401k and retail investing. We also discuss how to cope with this.
-
March 13, 2017: Long Term Stock Valuation Review
Stocks are extremely over valued based on several long term stock valuation metrics. We review the metrics and discuss the implication on portfolios.
-
March 6, 2017: Asset Classes for Retirement Investments
We discuss core and sub asset classes for retirement investments.
-
February 27, 2017: Fidelity Total Bond Fund Review
We review Fidelity Total Bond mutual fund whose managers have won the Morningstar’s Fixed Income Manager of the Year award in 2016.
-
February 20, 2017: Long Term Stock Timing Based Portfolios And Their Roles
We review and discuss long term timing based US stock portfolios and their roles in one’s overall investments.
-
Harry Browne’s Permanent Portfolio Long Term Performance
This is the latest update (as of 12/31/2016) of the performance of Harry Browne’s permanent portfolio. In 201, 6the portfolio returned 5.4% return. Since 1970, for the past 46 years, the average compound annual return of the permanent portfolio has been 8.5%. Harry Browne proposed the concept of permanent portfolio in his Fail-Safe Investing book in 1999. In the book, he showed the performance table of his ‘permanent portfolio’. The following table incorporated Harry Browne’s performance and the new performance since 2003. As of 12/31/2016: 1970 4.10% 1980 22.10% 1990 -0.70% 2000 2.70% 2010 11.92% 1971 13.40% 1981 -6.20% 1991 11.50% 2001 -1.00% 2011 8.16% 1972 18.70% 1982 23.30% 1992 4.00% 2002 7.20% 2012 5.5% 1973 10.60% 1983 4.30% 1993 12.60% 2003 13.76% 2013 -3.8% 1974 12.30% 1984 1.10% 1994 -2.40% 2004 6.64% 2014 7.6% 1975 3.70% 1985 20.10% 1995 16.60% 2005 8.01% 2015 -4.5% 1976 10.10% 1986 21.70% 1996 5.20% 2006 10.80% 2016 5.4% 1977 5.20% 1987 5.30% 1997 6.70% 2007 11.94% 1978 15.00% 1988 3.60% 1998 7.40% 2008 -2.03% 1979 36.70% 1989 14.80% 1999 4.70% 2009 9.64% Cumulative 328.62% 272.57% 186.24% 190.27% Annual 12.63% 10.55% 6.42% 6.64% Since 1970 8.48% The highlighted portion is from Browne’s book (page 81) and the rest is from MyPlanIQ’s Harry Browne Permanent Portfolio. Notice there is some discrepancy for performance between 2000 to 2002. This is because in MyPlanIQ’s portfolio, Vanguard funds and Gold ETF (GLD) are used while in Browne’s calculation, he uses the following: Stock results are for an S&P 500 Index mutual fund, including reinvestment of dividends. Bond results are for a 30-year T-bond, including interest received. Gold results are for American Eagle 1-ounce coins. Cash results are for Treasury bills, assuming a 1-year bill was bought at start of each year. Cash in MyPlanIQ’s Harry Browne Permanent Portfolio is modeled using 3 month Treasury bill’s returns. We will continue to update this table as time goes. See also Permanent Global Portfolio ETF Plan Permanent Portfolio ETF Plan
-
February 13, 2017: Alternative Investment Portfolios Review
We review alternative investment portfolios and discuss their outlook.
-
February 6, 2017: Tax Free Municipal Bond Investments Review
We review the tax free municipal bond investment portfolios and discuss their outlook.
-
January 30, 2017: Brokerage Specific Conservative Portfolios
We introduce major brokerage specific conservative portfolios using a combination stock index funds and total return bond fund portfolios.
-
January 23, 2017: Fixed Income Portfolio Review
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.
-
January 16, 2017: Long Term Trend Following Portfolio Review
We review tatical asset allocation portfolios in 2016 and examine their underperformance in close details.
-
January 9, 2017: Tactical Asset Allocation Review
We review tatical asset allocation portfolios in 2016 and examine their underperformance in close details.
-
January 3, 2017: Strategic Asset Allocation Review
We review strategic asset allocation portfolios in 2016 and discuss asset outlook in 2017.
-
December 12, 2016: Enhanced Index Funds
Enhanced index funds can be alternatives for asset classes that improve portfolio returns.
-
December 5, 2016: Review Of Broad Base Core Mutual Funds For Brokerages
We review broad base core mutual funds used in our brokerage plans.
-
November 28, 2016: Core Index ETFs Review
We review core index ETFs used in our brokerage investment plans.
-
November 21, 2016: International Exposure Of U.S. Large Companies
We look at international exposure of US large companies’ business and discuss its impact on asset allocation.
-
November 14, 2016: Asset Trends After The Election
We review major asset trends and argue that the post election market reaction is more a short term trend.
-
November 7, 2016: Rising Rate And Current Bond Trend
We review fixed income bond segments. We believe that it’s very likely the bond market will experience a major turn of trend.
