This newsletter reviews and adds more portfolios whose cash components can be replaced with total return bond fund portfolios. 

Many experts have warned that we are in a low return environment. Understanding this is useful to help position our investments. 

We continue our discussion of brokerage specific core mutual fund portfolios and introduce portfolios for Etrade and Merrill Edge. 

It matters when to invest, even for a long term investment. We also discuss the magic of compounding. 

We look at brokerage specific portfolios that are using a simplified set of core and index mutual funds. 

We update our newsletter archives and comment on the letters published in the past nine months. 

As DoubleLine introduced its total return bond ETF TOTL, we now have several reasonable ETFs in this space to form a reasonable tactical portfolio.

We make some educated discussions on why global tactical asset allocation is not ‘popular’. 

We report the latest performance of permanent portfolios and all weather portfolios. We also discuss  the future performance of the permanent portfolio.

Asset allocation funds can be used to further diversify one’s holdings. Furthermore, good fund managers’ insights can broaden our perspective on current investment environment. 

Risk is everywhere. We manage it daily. The last minute play in Super Bowl 2015 is a classic example to illustrate the importance of risk management. We also discuss risk in our current environment and call for risk aversion. 

We review various composite portfolios. Many of these can have better returns because of investments in their fixed income portions. 

We review fixed income investing. As markets are undergoing more volatile correction, we are optimistic that more opportunities will open up in fixed income investments. 

We look at the historical year by year return patterns for the past 45 years and discuss how a trend following based tactical strategy can obtain returns in current low return environment. 

We review the misses and hits in 2014 and make claim that knowing what to do when forecast fails is the foremost task in investing. 

We review long term asset returns and point it out the long term might be more than what you think.

We review several beaten down assets that are approaching to their 2008-2009 lows. 

We discussed how to implement our Simpler Is Better (SIB) core asset portfolios in major brokerages. 

We addressed two key questions often asked by users: how can I trust an investment strategy and which strategies should I use. 

We review the performance of various buy and hold and tactical portfolios in a retirement withdrawal/spending strategy.