The data is for the portfolio models, NOT for any actual client accounts. Past performance is not a promise of specific future results. But I use these data to get a sense of how well the Flex portfolios have performed in various time-periods.
My commitment to my clients is that the portfolios I use for them demonstrate consistent cost-justification of my advisory fee compared to the customized benchmark assigned to each Flex portfolio model. Specifically, I aim to have each Flex portfolio show 10-, 5- and 3-year average annual returns that are outperform their benchmark by 1.25 percentage point (the fee I charge for most clients).
So far, so good. (Clients: YOUR specific results likely will differ based on a variety of factors. Please contact me with any questions.)
| US and Foreign Stocks | 1 mo | 3 mo | YTD | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr |
| Stock Markets (50-40-10) | 3.1% | 6.7% | 13.4% | 22.0% | 7.7% | 7.8% | -1.7% | 8.9% |
| S&P 500 | 2.6% | 6.4% | 16.4% | 30.2% | 14.8% | 13.2% | 1.1% | 8.0% |
| MSCI EAFE | 3.0% | 6.9% | 10.1% | 13.8% | 1.5% | 2.1% | -5.4% | 8.2% |
| Barclays Agg Bond--US | 0.1% | 1.6% | 4.0% | 5.2% | 5.2% | 6.2% | 6.5% | 5.3% |
| Barclays Agg Bond--Global | 1.2% | 3.3% | 4.8% | 5.1% | 4.5% | 5.0% | 6.2% | 6.5% |
| Moderately Aggressive | 2.3% | 5.7% | 11.4% | 18.3% | 7.6% | 7.4% | -0.1% | 7.9% |
| 80 Flex II | 2.4% | 5.0% | 10.0% | 14.6% | 7.8% | 8.7% | 6.8% | 11.3% |
| 80 Fidelity | 2.2% | 5.3% | 11.3% | 18.6% | 7.4% | 7.4% | -0.1% | 7.9% |
| 80 Flex III | 1.9% | 4.3% | 9.4% | 13.9% | 7.0% | 8.1% | ||
| Moderate | 1.9% | 4.7% | 9.5% | 14.8% | 7.0% | 7.1% | 1.8% | 7.5% |
| 60 Flex II | 2.2% | 4.8% | 10.0% | 13.9% | 7.2% | 8.4% | 7.3% | 10.7% |
| 60 Flex IIi | 2.4% | 5.2% | 10.8% | 14.7% | 8.1% | 9.4% | 7.6% | |
| 60 Fidelity | 1.7% | 4.3% | 9.3% | 14.9% | 6.7% | 6.9% | 1.4% | 7.2% |
| 60 Flex III | 1.8% | 4.3% | 9.5% | 13.3% | 6.6% | 8.0% | ||
| Moderately Conservative | 1.4% | 3.8% | 7.5% | 11.2% | 6.3% | 6.6% | 3.4% | 7.0% |
| 40 Flex II | 2.0% | 4.5% | 10.0% | 13.1% | 6.6% | 8.1% | 7.8% | 10.0% |
| 40 Flex IIi | 2.3% | 5.2% | 11.3% | 14.4% | 8.0% | 9.7% | 8.3% | |
| 40 Fidelity | 1.1% | 3.3% | 7.5% | 11.5% | 6.1% | 6.5% | 3.0% | 6.5% |
| 40 Flex III | 1.7% | 4.2% | 9.6% | 12.8% | 6.2% | 7.8% | ||
| Asset Allocation | Cash | Stock | Bond | Other | ||||
| 80 Flex II | 20% | 54% | 16% | 10% | ||||
| 60 Flex II | 24% | 40% | 28% | 8% | ||||
| 40 Flex II | 28% | 27% | 39% | 6% |
