Level3 Passive Portfolio Articles
Using the Level3 Withdrawal Strategy to Achieve Growth and Stability
March 2025 by Charles Rotblut
Protecting the assets needed in the near future from market downturns allows you to balance risk and return in a rational way.
March 2025 by Charles Rotblut
Protecting the assets needed in the near future from market downturns allows you to balance risk and return in a rational way.
The Level3 Withdrawal Strategy Stays in Normal Mode
January 2025 by Charles Rotblut
The Level3 withdrawal strategy is calling for retirees to withdraw from their equity holdings for 2025.
January 2025 by Charles Rotblut
The Level3 withdrawal strategy is calling for retirees to withdraw from their equity holdings for 2025.
Level3 Withdrawal Strategy Switches Back to Normal Mode
January 2024 by Charles Rotblut
The Level3 withdrawal strategy is calling for retirees to withdraw from their equity holdings at the beginning of 2024.
January 2024 by Charles Rotblut
The Level3 withdrawal strategy is calling for retirees to withdraw from their equity holdings at the beginning of 2024.
Five Approaches for Allocating Your Retirement Portfolio
November 2023 by Charles Rotblut
Strategies that range from maintaining a high equity allocation to annuitizing fixed expenses all have their proponents.
November 2023 by Charles Rotblut
Strategies that range from maintaining a high equity allocation to annuitizing fixed expenses all have their proponents.
Level3 Withdrawal Strategy Goes Into Defensive Mode
January 2023 by Charles Rotblut
Following last year’s bear market, AAII’s Level3 withdrawal strategy calls for retirees to withdraw from their defensive (“safe”) assets and not equities in 2023.
January 2023 by Charles Rotblut
Following last year’s bear market, AAII’s Level3 withdrawal strategy calls for retirees to withdraw from their defensive (“safe”) assets and not equities in 2023.
Level3 Passive Portfolio Transitions to Asset Allocation Models
August 2022 by John Bajkowski, Charles Rotblut
Combining elements of AAII’s fund models to capture factor, style and objective tilts that work for you.
August 2022 by John Bajkowski, Charles Rotblut
Combining elements of AAII’s fund models to capture factor, style and objective tilts that work for you.
Level3 Passive Portfolio Up Strongly Year to Date
September 2021 by John Bajkowski
Value stocks, smaller-company stocks and real estate segments have performed well this year after lagging large-cap growth approaches over the last decade.
September 2021 by John Bajkowski
Value stocks, smaller-company stocks and real estate segments have performed well this year after lagging large-cap growth approaches over the last decade.
Level3 Passive Portfolio Relies on Smart-Beta ETFs in Challenging Environment
September 2020 by John Bajkowski
Smart-beta funds vary the weighting of stocks held using factors such as valuation or size for performance that diverges from that of traditional market-cap-weighted index funds.
September 2020 by John Bajkowski
Smart-beta funds vary the weighting of stocks held using factors such as valuation or size for performance that diverges from that of traditional market-cap-weighted index funds.
Level3 Passive Portfolio Tilts Away From Market-Cap Weighting
March 2020 by John Bajkowski
Get a better understanding of the Level3 Passive Portfolio by examining the focus of the ETFs it holds.
March 2020 by John Bajkowski
Get a better understanding of the Level3 Passive Portfolio by examining the focus of the ETFs it holds.
Optimizing Retirement Withdrawals Using the Level3 Strategy
September 2019 by John Bajkowski
The Level3 withdrawal approach allows you to stay invested in assets that offer the greatest potential for long-term wealth growth while satisfying current funding needs with an allocation to short-term (defensive) assets.
September 2019 by John Bajkowski
The Level3 withdrawal approach allows you to stay invested in assets that offer the greatest potential for long-term wealth growth while satisfying current funding needs with an allocation to short-term (defensive) assets.
The Level3 Approach: Seeking Higher Returns by Going Beyond the S&P 500
June 2019 by John Bajkowski
The portfolio outperformed the S&P 500 for the first four months of 2019 largely due to the slightly stronger performance of the equally weighted ETFs overcoming the outperformance of growth-focused stocks this year.
June 2019 by John Bajkowski
The portfolio outperformed the S&P 500 for the first four months of 2019 largely due to the slightly stronger performance of the equally weighted ETFs overcoming the outperformance of growth-focused stocks this year.
The Level3 Approach: Getting Exposure to Segments That Have Performed Well
March 2019 by John Bajkowski
The portfolio looks to improve upon the long-term return of the market-cap-weighted S&P 500 using index funds of smaller companies, value-oriented stocks and real estate.
March 2019 by John Bajkowski
The portfolio looks to improve upon the long-term return of the market-cap-weighted S&P 500 using index funds of smaller companies, value-oriented stocks and real estate.
A Closer Look at the Level3 Passive Portfolio's ETFs
November 2018 by John Bajkowski
In this detailed look, we explain how the portfolio's funds differ from the S&P 500 and highlight the traits that could lead to outperformance.
November 2018 by John Bajkowski
In this detailed look, we explain how the portfolio's funds differ from the S&P 500 and highlight the traits that could lead to outperformance.
Guidance on How to Follow the Level3 Passive Portfolio
June 2018 by John Bajkowski
This four-ETF portfolio should not have many changes. Many investors should be able to rebalance through additions or withdrawals.
June 2018 by John Bajkowski
This four-ETF portfolio should not have many changes. Many investors should be able to rebalance through additions or withdrawals.
Altering the ETF Weightings in the Level3 Passive Portfolio
January 2018 by James B. Cloonan
The three stock index ETFs are now being assigned equal weights, with a lower weighting assigned to the real estate ETF.
January 2018 by James B. Cloonan
The three stock index ETFs are now being assigned equal weights, with a lower weighting assigned to the real estate ETF.
Discontinuing the Model Fund Portfolio, but Keeping the Level3 Passive Portfolio
November 2017 by James B. Cloonan
The Model Fund Portfolio is ending after 14 years. Updates to the Level3 Passive Portfolio will be included with the Model Shadow Stock Portfolio commentary.
November 2017 by James B. Cloonan
The Model Fund Portfolio is ending after 14 years. Updates to the Level3 Passive Portfolio will be included with the Model Shadow Stock Portfolio commentary.
The Level3 Withdrawal Strategy to Maximize Your Long-Term Wealth
November 2017 by John Bajkowski, James B. Cloonan
Creating a cash bucket with up to four years of expenses allows a retiree to avoid selling stocks during periods of down markets.
November 2017 by John Bajkowski, James B. Cloonan
Creating a cash bucket with up to four years of expenses allows a retiree to avoid selling stocks during periods of down markets.
Model Fund Portfolios: Answers to Questions About the Level3 Approach
November 2016 by James B. Cloonan
Find out why foreign and small-cap stocks are excluded and how the new approach fits into an individual investor’s portfolio.
November 2016 by James B. Cloonan
Find out why foreign and small-cap stocks are excluded and how the new approach fits into an individual investor’s portfolio.