Money For The Rest of Us

Investment help and financial guidance for the rest of us.

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Asset Allocation and Portfolio Tools

The Money For the Rest of Us Plus 7 step investment process contains video and audio lessons and other materials to help you  build a diversified portfolio plan and adapt it as market conditions change.

There also additional modules that cover more advanced topics.

  • Module: 1

    Step 1: Master These Basic Investment Concepts

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  • Module: 2

    Step 2: Understand These Asset Classes

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  • Module: 3

    Step 3: Choose An Asset Allocation Method

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  • Module: 4

    Step 4: Develop Asset Class Return and Risk Assumptions

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  • Module: 5

    Step 5: Select A Target Asset Allocation (Model Portfolios)

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  • Module: 6

    Step 6: Implement Your Portfolio

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  • Module: 7

    Step 7: Adapt Your Portfolio (Investment Conditions)

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  • Module: 8

    Advanced Topic: Smart Beta and Factor Investing

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  • Module: 9

    Advanced Topic: How To Invest In Bonds

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  • Asset Allocation and Portfolio Tools
    • Module 1:Step 1: Master These Basic Investment Concepts
      • Lesson 1:The Money For the Rest of Us Philosophy
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        What Are Stocks?
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        What Are Bonds?
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        What are Exchange Traded Funds (“ETFs”) and Exchange Traded Notes? (“ETNs”)
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        What Are Open End and Closed End Mutual Funds?
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        How To Select A Brokerage Account
    • Module 2:Step 2: Understand These Asset Classes
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        What Are Stocks?
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        What Are Bonds?
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        What Are Real Estate Investment Trusts (“REITs”)
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        What Are High Yield Bonds?
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        What Are Bank Loans?
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        What Are Convertible Bonds?
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        What Are Master Limited Partnerships (“MLPs”)?
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        What Are GICs and Stable Value Funds?
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        What Are Inflation-indexed Bonds (TIPs)?
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        What Are Commodity Futures and Managed Futures?
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        What Is Private Capital?
    • Module 3:Step 3: Choose An Asset Allocation Method
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        Choose An Asset Allocation Method
    • Module 4:Step 4: Develop Asset Class Return and Risk Assumptions
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        Global Equity Market Expected Returns
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        Global Fixed Income Expected Returns
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        Income Strategies Expected Returns
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        Asset Class Risk Assumptions
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        How Dividends and Their Growth Rate Equal Total Return
    • Module 5:Step 5: Select A Target Asset Allocation (Model Portfolios)
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        Asset Allocation Model (Spreadsheet)
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        Example Index Mutual Funds and ETFs
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        Model Portfolios
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        Ultra Conservative Model Portfolio
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        Conservative Model Portfolio
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        Moderate Model Portfolio
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        Moderately Aggressive Model Portfolio
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        Aggressive Model Portfolio
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        Model Portfolio Alternatives For Vanguard, Fidelity, Schwab, TSP and Others
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        Model Portfolio Holding Explanations
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        David’s Current Portfolio
    • Module 6:Step 6: Implement Your Portfolio
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        Allocating Assets Across Different Accounts
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        How To Transition A Portfolio To A New Target Allocation
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        Rebalancing and Portfolio Change Costs and Benefits
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        Asset Location – Taxable versus Tax Deferred Accounts
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        Determining Whether To Sell A Taxable Holding
      • Lesson 1:Using the Mind the Gap Retirement Spending Spreadsheet
      • Lesson 2:Using The Am I Saving Enough Retirement Planning Spreadsheet
    • Module 7:Step 7: Adapt Your Portfolio (Investment Conditions)
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        Introduction To the Investment Conditions Report
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        Most Recent Monthly Investment Conditions Report
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        Using Investment Conditions To Adjust A Portfolio
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        Why Stock Valuations Are Important
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        Purchasing Manager Indices (“PMI”): How They Work and Why They Are Important
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        What Are Market Internals?
    • Module 8:Advanced Topic: Smart Beta and Factor Investing
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        Enhancing Returns Using Smart Beta and By Adjusting Factor Exposures
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        Smart Beta: Value Investing
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        Example Smart Beta Value ETFs
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        Smart Beta: Momentum Investing
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        Example Smart Beta Momentum ETFs
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        Smart Beta: Low Volatility Investing
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        Example Smart Beta Low Volatility ETFs
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        How To Implement Smart Beta Strategies
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        Smart Beta Investment Conditions
    • Module 9:Advanced Topic: How To Invest In Bonds
      • Lesson 1:The Bare Minimum – Bond Basics
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        The Bare Minimum – Yield To Maturity
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        The Bare Minimum – Duration
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        Funds versus Individual Bonds
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        What Determines Interest Rates – Part One
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        What Determines Interest Rates – Part Two
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        What Determines Interest Rates – Part Three
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        Corporate Spreads and Default Rates
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        Estimating Longer-term Default Rates
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        Interest Rate and Yield Curve Strategies
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        Fixed Income Sectors

J. David Stein
Darby Creek Advisors LLC
P.O. Box 9277 • Phoenix, AZ • 85068

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