Join for a 100% Risk-Free trial and see if our proven method can help you too. You do not need to pay for the costly lessons from the market itself.I last analyzed the Schwab US Dividend Equity ETF ( SCHD ) on January 15, with an article entitled “SCHD Vs. SPY: Rotation To Value Is Gaining Momentum.” The article was triggered by the divergence I observedSensor Unlimited is an economist by training with a PhD, with a focus on financial economics. She is a quantitative modeler and for the past decade she has ...

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You have several good options for the remaining money in your 401(k) and brokerage account. Depending on what you want to do with the money and the purpose it serves, I think you can either leave it invested aggressively or switch to a more conservative allocation such as 60/40 split.If I read your question correctly, you have a guaranteed income of $11,000 per month and save almost $4,000 from that money. It sounds like you aren’t taking regular withdrawals from your savings and don’t need to. If you have ...

Core Insights - Growth outside of America has been limited over the past decade, but this trend is shifting, particularly in Europe, as countries like Germany begin to leverage their balance sheets in response to new global military and economic alliances [1][3] Group 1: Investment Opportunities - The European economy is undergoing a rebalancing due to geopolitical and trade shifts, creating numerous new investment opportunities [3] - Robert Lancastle, a senior fund manager, is optimistic about the investment landscape, particularly in Europe, where he sees a potential inflection point in 2026 [4] - The discount of European stocks compared to U.S. equities is narrowing, indicating a more favorable investment environment [7] Group 2: Germany's Economic Strategy - Germany is looking to leverage its conservative balance sheet, partly due to challenges faced by its auto sector from Chinese competition and its previous reliance on Russian energy [5] - The release of Germany's debt brake a year ago could potentially unleash $1 trillion in government spending, with private-sector involvement possibly increasing this to $1.5 trillion [7] - Siemens has recently upgraded its outlook, reflecting a positive shift in the European investment climate [6]

Group 1 - The article discusses the expertise of Sensor Unlimited, who has a PhD in financial economics and has been covering the mortgage market, commercial market, and banking industry for the past decade [2] - Sensor Unlimited focuses on asset allocation and ETFs related to the overall market, bonds, banking and financial sectors, and housing markets [2] - The investing group Envision Early Retirement, led by Sensor Unlimited, offers solutions for generating high income and growth with isolated risks through dynamic asset allocation [2] Group 2 - Envision Early Retirement features two model portfolios: one for short-term survival/withdrawal and another for aggressive long-term growth [2] - The group provides direct access via chat for discussing ideas, monthly updates on all holdings, tax discussions, and ticker critiques by request [2]

Core Viewpoint - The article discusses the expertise of Sensor Unlimited in financial economics, particularly in the mortgage market, commercial market, and banking industry, highlighting her contributions to asset allocation and ETFs [2] Group 1: Company Overview - Sensor Unlimited has a PhD in financial economics and has spent a decade covering various financial sectors, including mortgages and banking [2] - The company offers two model portfolios aimed at different investment strategies: one for short-term survival and another for aggressive long-term growth [2] Group 2: Services Offered - The investment group Envision Early Retirement, led by Sensor Unlimited, provides solutions for generating high income and growth with managed risks through dynamic asset allocation [2] - Services include direct access via chat for idea discussions, monthly updates on holdings, tax discussions, and ticker critiques upon request [2]

Core Insights - The article discusses the expertise of Sensor Unlimited, who has a PhD in financial economics and specializes in the mortgage market, commercial market, and banking industry [2] Group 1: Company Overview - Sensor Unlimited is a quantitative modeler with a decade of experience in covering various financial sectors, including asset allocation and ETFs related to the overall market, bonds, banking, and housing markets [2] Group 2: Services Offered - The investing group Envision Early Retirement, led by Sensor Unlimited, provides solutions aimed at generating high income and growth with isolated risks through dynamic asset allocation [2] - The group features two model portfolios: one focused on short-term survival/withdrawal and another for aggressive long-term growth, along with direct access for discussions, monthly updates, tax discussions, and ticker critiques [2]

Core Insights - Retirement investors are increasingly focusing on international stocks and emerging markets, as indicated by Alight Solutions' 401(k) Index [1][2] Group 1: Investment Trends - In January, international equity funds received 45% of equity inflows, while emerging markets attracted 33%, surpassing US equity categories [2] - A significant shift in investor behavior is observed, with 59% of funds withdrawn from large US equity funds, indicating a move away from US equities [2][3] - New contributions to equities rose to 73% in January from 70.1% in December, showing a renewed interest in equity investments [6] Group 2: Target-Date Funds - Despite withdrawals from target-date funds, they remain the largest asset class for 401(k) savers, with the majority of contributions in January directed towards these funds [4] - Target-date funds are commonly used by 401(k) plan sponsors and state auto-IRA programs for automatic enrollment [4] Group 3: Market Performance - The MSCI All Country World ex-USA Index gained 29.2% in 2025, outperforming the S&P 500's 17.9% gain, highlighting the potential of global markets [9] - Global markets showed a 6% increase last month, while the S&P 500 only gained 1.4%, further emphasizing the attractiveness of international equities [9] Group 4: Investor Sentiment - The shift towards international equities may reflect investor concerns over US equity volatility and a search for long-term global growth opportunities [7]

Core Insights - The article emphasizes that individuals over 50 do not necessarily need to shift their investment strategy towards bonds, as asset allocation should be tailored to individual financial plans rather than following generic rules [1][1]. Investment Strategy - It is suggested that pre-retirees consider increasing their bond allocation and cash reserves two to three years before retirement to mitigate sequence-of-returns risk [1][1]. - The article critiques the common rule of thumb that suggests older investors should become more conservative, advocating instead for a personalized financial plan to dictate asset allocation [1][1]. Bucketing Strategy - The bucketing strategy is recommended, which involves dividing investments into three categories: - Bucket 1: Cash for immediate expenses - Bucket 2: Low-risk investments such as CDs and Treasurys - Bucket 3: Long-term investments like stocks and alternatives [1][1]. - This strategy aims to reduce the need to sell declining assets during market downturns by relying on cash and low-risk investments for short-term needs [1][1]. Bond Investment Recommendations - Investors are advised to avoid high-yield bonds due to their associated risks and instead focus on Treasurys and corporate bonds, as well as bond ladders for diversification [1][1]. - The emphasis is placed on starting with high-quality, investment-grade bonds to avoid unnecessary risk in the bond portion of the portfolio [1][1].

Core Viewpoint - The article discusses the significant changes in asset allocation over the past four decades, emphasizing the impact of technology on the financial services industry and portfolio construction for retirement income [1]. Group 1: Changes in Asset Allocation - The financial services industry has experienced dramatic changes in asset allocation practices over the last 40 years [1]. - Technology is identified as the main driver behind these changes in asset allocation [1]. Group 2: Alternative Investments - There is a notable rise in alternative investments, which are becoming increasingly important in portfolio construction [1]. - The article highlights how these alternative investments are integrated into strategies for retirement income [1]. Group 3: Behavioral Aspects - The behavioral aspects of asset allocation are also discussed, indicating that investor psychology plays a crucial role in portfolio decisions [1].