This module covers how investors can enhance returns through exposure to factors such as value and momentum. These strategies are often called smart beta. Enhancing Returns Using Smart Beta and by Adjusting Factor Exposures Smart Beta: Value Investing Example Smart Beta Value Exchange Traded Funds Smart Beta: Momentum Investing Example Smart Beta Momentum Exchange Traded Funds Smart Beta: Low Volatility Investing Example Smart Beta Low Volatility Exchange Traded Funds How … [Read more...]
Example Income Strategies ETFs and Funds
The following income strategies ETFs and funds are examples of holdings that could be used to implement the model allocations. These are holdings that trade on U.S. exchanges. Hub members that trade on exchanges outside of the U.S. should be able to find similar holdings on their local exchange. Please recognize these fund and ETFs are hypothetical examples and included as general education and should not be considered investing or trading advice or investment recommendations. See … [Read more...]
Example Global Fixed Income ETFs and Funds
The following global fixed income ETFs and funds are examples of holdings that could be used to implement the model allocations. These are holdings that trade on U.S. exchanges. Hub members that trade on exchanges outside of the U.S. should be able to find similar holdings on their local exchange. Please recognize these fund and ETFs are hypothetical examples and included as general education and should not be considered investing or trading advice or investment recommendations. See … [Read more...]
Example Index Mutual Funds and ETFs
The following ETFs and funds are examples of holdings that could be used to implement a target asset allocation. These are holdings that trade on U.S. exchanges. Plus members that trade on exchanges outside of the U.S. should be able to find similar holdings on their local exchange. The funds and ETFs within each category are generally comparable but several options are included for each asset type because different ETFs and funds might be available on one trading platform but not on … [Read more...]
Asset Allocation Model (Spreadsheet)
This spreadsheet contains the Money For the Rest of Us asset allocation model to allow you to evaluate your current asset allocation and compare it to other options. Please watch the video to see how to use the spreadsheet. Download The spreadsheet utilizes the Money For the Rest of Us Plus forward looking, valuation based asset allocation assumptions. The spreadsheet assumptions were updated in January 2025. Download the asset allocation spreadsheet Important … [Read more...]
Example Asset Allocations
Below are example asset allocation with 10-year annualized expected returns ranging from 3.0% to 6.0% nominal. What They Are For The examples show for a given expected level of return the diversification impact of adding additional asset classes to a portfolio in terms of reducing risk as measured by the maximum expected loss (i.e. maximum drawdown) and the months until that loss has been fully recovered. Please see the Model Portfolios for examples of portfolios with additional … [Read more...]
5: Portfolio Examples
Once you have an asset allocation method and return and risk assumptions by asset class, the next step is to select a target portfolio. This module contains the Money For the Rest of Us Plus model portfolio examples to allow you to compare the return and risk of different portfolio mixes. This module contains: Portfolio Examples Overview Example Index Mutual Funds and ETFs Strategic and Adaptive Model Portfolios Model Portfolio Alternatives For Vanguard, Fidelity, Schwab, UCITS, TSP and … [Read more...]
How Dividends and Their Growth Rate Equal Total Return
This video goes through an example of how combining an investment's dividend yield with its dividend growth rate is a good estimate of an investment's total return. This is the approach used in developing expected returns for real estate investment trusts and master limited partnerships. https://vimeo.com/144064779 Download the spreadsheet … [Read more...]
Income Strategies Expected Returns
These expected returns for income strategies are for asset categories that have an income component but are distinct from traditional bond securities. Expected returns are gross of any taxes including income tax, capital gains tax, and dividend withholding taxes. This video describes how the expected returns for income strategies were derived. 10 Year Expected Nominal Annualized Returns Assumptions were last updated in January 2026 and are revised at least annually or on an as-needed … [Read more...]
Income Strategies Expected Returns
These expected returns for income strategies are for asset categories that have an income component but are distinct from traditional bond securities. The following audio lesson provides more details for how the income strategies expected return assumptions were developed. https://dajl4eatqq6v9.cloudfront.net/income-strategies-returns-10-15-xcrt.mp3 10 Year Expected Nominal Annualized Returns As of January 13, 2017 Assumptions are the same as last quarter with the exception of … [Read more...]
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