ProFolio

Tactically allocated portfolios attempt to improve on passively allocated portfolios by overweighting outperforming assets and underweighting underperforming assets. All model portfolios' results are net of ProFolio's management fee (0.5%), the custodial broker's custody/trading fee (0.25%) and tracking ETF expenses. A balanced portfolio balances risk with return with an allocation between stocks and bonds. The portfolio is constructed using domestic stocks (S&P500), interna

Tactically allocated portfolios attempt to improve on passively allocated portfolios by overweighting outperforming assets and underweighting underperforming assets. All model portfolios' results are net of ProFolio's management fee (0.5%), the custodial broker's custody/trading fee (0.25%) and tracking ETF expenses. The stock market's return is a composite of many market sectors. Market sectors regularly outperform then underperform. This portfolio looks to find the strong

Tactically allocated portfolios attempt to improve on passively allocated portfolios by overweighting outperforming assets and underweighting underperforming assets. All model portfolios' results are net of ProFolio's management fee (0.5%), the custodial broker's custody/trading fee (0.25%) and tracking ETF expenses. Assets go through bull and bear markets. Uncorrelated global and alternative assets go through independent bull and bear markets. This portfolio targets the str

How long will the strategically allocated portfolio last in retirement? The investment account starts with 10 times the pre-retirement income and a certain percentage is withdrawn from the account at the start of each year. Here is a table showing the probability of the strategically allocated portfolio lasting a given number of years against the percentage of pre-retirement income withdrawn from the portfolio. From the above analysis it is apparent how important getting a p

Recall, from the blog post How Much Do We Need To Retire, that the retirement goal was at least 10 times our pre-retirement income in an investment account. We calculated that if we put 10% of our annual income into an investment every year with a 4% return above inflation it would take 40 years and with a 6% return above inflation it would take 30 years to achieve this goal. In the strategically allocated portfolio we targeted a 8.99% return with an 9.16% standard deviatio