Friday, June 3, 2016

Portfolio Model Returns through May 2016

Benchmark-beating results for the Strategic III, Strategic II, and Schwab Index models for most time periods out to 10 years.  These are the right strategic allocations for long-term portfolios, and I work hard to ensure the models are using best-of-breed mutual funds to implement the strategy.

Contact me to schedule review of your accounts and/or financial situation, or to arrange a consultation if you may want to hire a professional to help you.  Thank you!


US and Foreign Indexes
3 mo 1 yr 2 yr 3 yr 5 yr 10 yr 2008
Stock Markets (72-21-7)
8.3% -4.4% 0.7% 5.6% 6.0% 3.7% -41.0%
S&P 500
8.5% -0.5% 4.4% 8.7% 9.3% 5.1% -38.5%
Dow Jones Industrial Avg
7.7% -1.2% 3.2% 5.6% 7.2% 4.8% -33.8%
MSCI EAFE
7.0% -12.2% -7.7% -0.7% -0.8% -0.9% -45.1%
MSCI EM
9.1% -19.6% -11.4% -7.2% -7.1% -0.7% -54.5%
Barclays Agg Bond--US
1.3% 3.0% 3.0% 2.9% 3.3% 5.0% 5.2%
Citi WGBI nonUSD (foreign bonds)
3.5% 9.1% -2.3% 0.8% -0.5% 3.4% 10.1%









Aggressive (90% stocks-10% bonds)
8.7% -4.0% -0.3% 4.1% 4.6% 3.8% -36.0%
95 Flex V
4.9% -4.2% -0.7% 3.8% 4.6%
-19.1%
95 Strategic III
8.2% 1.3% 3.4% 7.2% 8.2% 8.1% -30.9%
95 Schwab index
8.8% -2.6% 2.6% 7.4% 7.9% 6.0% -34.6%
95 Strategic USA II
7.9% 2.1% 4.9% 9.2% 10.6% 9.8% -25.8%
Confluence Value Opportunities






-22.3%
Confluence Equity Income






-18.9%
WealthFront 9
9.2% -5.9% -1.1% 3.9% 4.1% 4.8% -38.0%
American Funds Port Ser Growth
9.8% -3.5% 2.8% 8.1% 8.0% 6.5% -40.8%









Moderately Aggressive (75-25)
7.5% -3.1% -0.1% 3.7% 4.2% 4.0% -31.0%
80 Flex V
4.7% -4.0% -0.6% 3.5% 4.4% 6.5% -16.9%
80 Strategic II
8.2% -3.6% 0.2% 4.7% 6.7% 7.0% -30.2%
80 Strategic III
7.5% 1.5% 3.3% 6.7% 7.8% 8.0% -27.7%
80 USA tilt
8.1% -2.5% 1.3% 5.3% 7.0% 6.7% -28.5%
80 Schwab index
7.6% -1.0% 3.0% 6.9% 7.7% 5.9% -30.6%
Money 75
8.9% -2.3% 1.7% 6.1% 6.5% 6.1% -32.7%
American Funds Port Ser Gr+Inc
7.3% -0.8% 1.7% 6.1% 6.6% 5.8% -29.6%









Moderate (60-40)
6.3% -2.1% 0.3% 3.3% 3.9% 4.1% -25.6%
60 Flex V
4.3% -3.4% -0.4% 3.1% 4.5% 6.8% -13.1%
60 Strategic III
6.5% 1.4% 2.8% 5.7% 6.9% 7.5% -23.3%
60 Schwab index
6.3% -1.4% 2.1% 5.4% 5.9% 5.1% -25.6%
American Funds Port Ser Balanced
6.4% -0.1% 2.5% 6.1% 6.8% 5.9% -28.3%









Moderately Conservative (40-60)
4.7% -0.9% 0.2% 2.6% 3.3% 4.0% -17.4%
40 Flex V
4.2% -2.6% 0.0% 2.9% 4.7%
-10.4%
40 Strategic III
5.2% 1.1% 2.1% 4.3% 5.8% 6.9% -16.4%
40 Schwab Index
4.7% 1.5% 3.2% 5.1% 6.3% 5.2% -19.7%
Goldman Sachs Income Builder
7.0% -3.4% -0.3% 3.4% 6.1% 5.8% -23.3%









Conservative (20-80)
3.1% 0.3% 0.2% 1.7% 2.4% 3.8% -8.4%
20 Flex V
3.6% -2.2% 0.0% 2.3% 4.4%
-5.2%
20 Strategic III
3.9% 1.5% 1.5% 2.6% 3.8% 5.2% -8.6%
20 Schwab index
3.2% 3.1% 3.7% 4.5% 5.7% 4.7% -13.9%


















NOTE 1:  Past performance is no guarantee of specific future results.  This data is presented by Potomac Wealth Strategies, LLC.  This data is from Morningstar and should be accurate, but it has not been independently verified.









NOTE 2:  "Flex", "Strategic", and "Index" models are crafted/run by Potomac Wealth Strategies.  They show history of better returns, lower volatility, or both--or, with the Index models, closer tracking--vs benchmarks and competitors.









NOTE 3:  "XX Schwab index" models are low-cost portfolios.  They are comprised of index funds available free of transaction charges to my clients at Schwab.  This is what many might recommend due to low-costs and portfolio efficiency.









NOTE 4:  Nothing on this blog post represents investment advice to any individual or organization.  If the information hereon is of interest to you, please contact me at Garo.Partoyan@PotomacWealthStrategies.com for a consultation.

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