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. 

Health care stocks are another stable yet high growth sector to pay attention to. 

We discuss the risk of stock investing and point out that investing in a broad base stock index fund in a very long period of time has very little risk. However, for shorter periods like 15 or even 20 years, the investment is still subject to valuation risk. 

Consumer staples stocks have delivered better long term returns with lower risk than the main stock index.  

We look at current stock valuation and discuss their long term trends. 

We look at historical underperformance of tactical strategies and found that the current one is not the worst for the past 38 years or so. 

We introduced core satellite balanced portfolio and discuss their returns against the best allocation fund. 

We discuss in details the safety of money market funds. 

We review and discuss bond investments. 

We review tactical portfolios and discussed their behavior.  

We review asset and strategic portfolio returns in 2018 and discuss stock valuation and outlook for the new year. 

We tried to understand the 3% ‘checking & savings’ offering from online brokerage Robinhood. We also looked at market trends. 

We look at the current REIT valuation and discuss its role in the current market environment. 

We looked at a conservative hybrid core satellite portfolio that combines both static and tactical portfolios.