For long-term investors, I believe the Flex portfolios remain the best way to both implement long-term strategy and maintain short-term flexibility. Put another way, the ability provided by the Flex portfolios to have a strategic asset allocation that can make tactical adjustments is beneficial to investors.
NOTE: Flex portfolio data shown on this blog is for the models, not for any specific client accounts, and such data is in no way a prediction or promise of any specific future performance or trends.
Here is the data through October 31, 2012:
| US and Foreign Stocks | 1 mo | 3 mo | YTD | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr |
| Stock Markets (50-40-10) | -0.7% | 4.6% | 12.6% | 9.6% | 5.4% | 8.1% | -2.4% | 8.1% |
| S&P 500 | -1.9% | 3.0% | 14.3% | 15.2% | 11.6% | 13.2% | 0.4% | 6.9% |
| MSCI EAFE | 0.8% | 6.6% | 11.0% | 4.6% | 0.2% | 2.8% | -5.8% | 7.7% |
| Barclays Agg Bond--US | 0.2% | 0.4% | 4.2% | 5.3% | 5.1% | 6.1% | 6.4% | 5.4% |
| Barclays Agg Bond--Global | -0.1% | 2.0% | 4.7% | 3.5% | 3.8% | 4.8% | 5.9% | 6.5% |
| Moderately Aggressive | -0.4% | 4.0% | 10.9% | 8.8% | 5.7% | 7.7% | -0.6% | 7.3% |
| 80 Flex II | -0.6% | 3.7% | 9.3% | 6.4% | 6.1% | 8.8% | 5.9% | 11.0% |
| 80 Flex IV | -0.6% | 3.6% | 9.2% | 6.8% | 6.3% | 9.1% | 6.3% | 10.7% |
| 80 Flex III | -0.9% | 2.8% | 8.4% | 6.2% | 5.1% | 8.1% | ||
| 80 Fidelity | -0.3% | 4.2% | 11.0% | 9.2% | 5.6% | 7.9% | -0.7% | 7.3% |
| Moderate | -0.4% | 3.1% | 9.1% | 7.6% | 5.5% | 7.2% | 1.2% | 7.1% |
| 60 Flex II | -0.3% | 3.4% | 9.7% | 7.1% | 5.9% | 8.5% | 6.6% | 10.4% |
| 60 Flex IV | -0.3% | 3.9% | 10.5% | 8.2% | 6.7% | 9.4% | 6.9% | 10.9% |
| 60 Flex III | -0.5% | 2.7% | 9.0% | 6.9% | 5.2% | 8.0% | 5.5% | 9.5% |
| 60 Fidelity | -0.2% | 3.2% | 9.1% | 7.9% | 5.3% | 7.3% | 0.9% | 6.8% |
| Moderately Conservative | -0.3% | 2.3% | 7.2% | 6.3% | 5.2% | 6.7% | 3.0% | 6.7% |
| 40 Flex II | 0.0% | 3.2% | 10.0% | 7.8% | 5.8% | 8.2% | 7.3% | 9.9% |
| 40 Flex IV | 0.0% | 3.8% | 11.2% | 9.4% | 6.9% | 9.5% | 7.7% | |
| 40 Flex III | -0.1% | 2.7% | 9.5% | 7.7% | 5.3% | 7.9% | ||
| 40 Fidelity | -0.1% | 2.2% | 7.4% | 6.8% | 5.2% | 6.8% | 2.6% | 6.3% |
| Asset Allocation | Cash | Stock | Bond | Other | ||||
| 80 Flex II | 22% | 52% | 15% | 11% | ||||
| 80 Flex IV | 26% | 45% | 20% | 9% | ||||
| 60 Flex II | 26% | 39% | 27% | 8% | ||||
| 60 Flex IV | 23% | 39% | 30% | 8% | ||||
| 40 Flex II | 30% | 26% | 38% | 6% | ||||
| 40 Flex IV | 25% | 26% | 43% | 6% |
