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.