| US and Foreign Stocks | 1 mo | 3 mo | YTD | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr |
| S&P 500 | 4.5% | 5.3% | 4.5% | 4.2% | 12.8% | 19.2% | 0.3% | 3.5% |
| MSCI EAFE | 5.3% | -0.8% | 5.3% | -9.6% | 2.1% | 13.4% | -3.9% | 5.8% |
| Barclays Aggregate Bond--US | 0.4% | 2.2% | 0.4% | 10.3% | 7.2% | 5.1% | 6.9% | 5.7% |
| Barclays Aggregate Bond--Global | 1.7% | 0.6% | 1.7% | 7.2% | 6.3% | 7.8% | 7.0% | 7.4% |
| Moderately Aggressive Benchmark | 4.1% | 2.1% | 4.1% | -0.4% | 7.6% | 14.7% | 0.3% | 5.4% |
| 80 Flex III | 4.2% | 2.0% | 4.2% | 3.0% | 8.7% | |||
| 80 Flex II | 5.0% | 2.2% | 5.0% | 4.5% | 9.7% | 16.4% | 7.8% | 11.2% |
| 80 Fidelity | 4.4% | 2.7% | 4.4% | -0.9% | 7.8% | 15.1% | 0.2% | 5.3% |
| Moderate Benchmark | 3.4% | 1.9% | 3.4% | 2.0% | 7.6% | 12.8% | 2.2% | 5.9% |
| 60 Flex III | 4.1% | 2.1% | 4.1% | 3.5% | 8.3% | |||
| 60 Flex II | 4.7% | 2.2% | 4.7% | 4.6% | 9.0% | 14.7% | 8.1% | 10.7% |
| 60 Fidelity | 3.5% | 2.3% | 3.5% | 1.1% | 7.3% | 12.9% | 1.7% | 5.4% |
| Moderately Conservative Benchmark | 2.6% | 1.8% | 2.6% | 4.4% | 7.5% | 10.8% | 4.0% | 6.2% |
| 40 Flex III | 3.9% | 2.2% | 3.9% | 3.9% | 7.8% | |||
| 40 Flex II | 4.4% | 2.3% | 4.4% | 4.7% | 8.3% | 13.1% | 8.5% | 10.1% |
| 40 Fidelity | 2.6% | 2.1% | 2.6% | 3.4% | 7.0% | 10.9% | 3.1% | 5.5% |
| Asset Allocation | Cash | Stock | Bond | Other | ||||
| 80 Flex II | 23% | 54% | 12% | 11% | ||||
| 60 Flex II | 30% | 40% | 21% | 9% | ||||
| 40 Flex II | 37% | 27% | 29% | 7% |
An investing and financial strategies blog offered by Gary Partoyan, veteran financial advisor and owner of Potomac Wealth Strategies, LLC.
Saturday, February 11, 2012
Flex Portfolio Performance Through January 2012
Here is how the most popular Flex portfolios have performed and are allocated:
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Do you have any recommendations based on these figures? Trying to put together some strategies for wealth, based on the experts - of which you are obviously a part of!
ReplyDeleteLisa, thank you for your post. I am sorry it took so long to reply. I am still getting used to using social media to promote my business and, more importantly, help keep my clients informed.
ReplyDeleteI do not have any recommendations for you because I am not familiar with your personal financial situation. If you want specific advice, I am happy to discuss that with you and see if I can be of service.
Generally, folks should invest in a manner that suits their tolerance for risk and their time-horizon. An elderly man who is barely getting by would usually be advised to play it safe, but it's actually possible that an aggressive strategy could work for him. But it's usually more intuitive than that--the younger your are, the more stocks/risk assets you can probably afford to own, and the older you are, the more conservative/predictable assets you probably should own.
Most investment professionals think in terms of "strategic asset allocation", or how much to hold in stocks, in bonds, in cash, and in alternative investments (like commodities). Typically, a person younger than age 50 would be "moderate" or "moderately aggressive", while someone under age 40 might even be "aggressive". There is a strategic model for each of those categories. But within each asset class, there are sub-classes... A moderately aggressive investor with a 70% stocks, 20% bonds/cash, 10% commodities portfolio might have large-value, large-growth, small/mid-value, small/mid-growth, foreign value, foreign growth, emerging markets, foreign small/mid, intermediate-term bonds, short-term bonds, gold, oil, natural gas, and agricultural commodities... individuals are certainly able to decide how much should go into each of those, but in most cases it is better to hire a professional.
Feel free to look around my blog for entries that appeal to your interests. I try to post on a wide range of subjects, and I did so especially in year 2010.
Thanks, again, for touching base.