Muscular Investing

November 2018

Muscular Investing

Thrift Savings Plan (TSP) Traps 5 Million Federal Workers - part 4

by Brian Livingston

Even a limited, restrictive program, such as the Federal Thrift Savings Plan, can be managed for greater gains with smaller losses. My Plan IQ shows us a successful formula that’s been tracked in real time since 2001... Read More 

Muscular Investing

Thrift Savings Plan (TSP) Traps 5 Million Federal Workers - part 3

by Brian Livingston

The Federal Thrift Saving Plan has many good features. But being limited to only five Vanguard mutual funds reduces participants’ gains and worsens their losses — unless those account holders know how to add an easy momentum factor to their choices... Read More 

Muscular Investing

Thrift Savings Plan (TSP) Traps 5 Million Federal Workers - part 2

by Brian Livingston

An easy-to-follow variation — independently tracked in real time, not a backtest — boosts TSP’s gain while reducing its losses. The method eliminates any drawdowns worse than about 11%... Read More 

Muscular Investing

Thrift Savings Plan (TSP) Traps 5 Million Federal Workers

by Brian Livingston

The largest tax-deferred, employer-matched contribution program in the US is the Federal Thrift Savings Plan. Unfortunately, its participants suffer from having few funds to choose from. The good news is that this can be fixed... Read More 

Muscular Investing

Double the Gain of the Morningstar Bucket Portfolio - part 4

by Brian Livingston

Lazy Portfolios such as Morningstar’s generally ignore asset classes other than stocks, bonds, and REITs. Alternative assets, when combined with a Momentum Rule, give you diversification benefits that produce massive improvements in gains. This is Part 4... Read More 

Muscular Investing

Double the Gain of the Morningstar Bucket Portfolio - part 3

by Brian Livingston

Adding one simple change raises the Bucket Portfolio’s annualized rate of return by an enormous 3½ percentage points. Over a 45-year investing career, that would result in an ending value more than four times larger than the static, unchanging Lazy Portfolio version... Read More 

Muscular Investing

Double the Gain of the Morningstar Bucket Portfolio - part 2

by Brian Livingston

Morningstar’s ‘Bucket Portfolio’ is typical of so-called Lazy Portfolios — static investing strategies that never change the percentages allocated to a set of index funds... Read More 

Muscular Investing

Double the Gain of the Morningstar Bucket Portfolio

by Brian Livingston

One of the most widely marketed recommendations for individual investors is the ‘Bucket Portfolio,’ developed by Morningstar Inc... Read More 

Muscular Investing

The Muscular Manifesto

by Brian Livingston

Whether you call it evidence-based investing, 21st-century behavioral science, or Muscular Portfolios, you’re living through a financial revolution. Simple, easy formulas beat the market — complex formulas fail... Read More