Model Portfolio Performance Through February 2018

US and Foreign Indexes		3 mo	1 yr	2 yr	3 yr	5 yr	10 yr	2008
Stock Markets (72-21-7)		2.6%	16.2%	18.4%	7.5%	10.0%	5.4%	-41.0%
S&P 500 PR		2.5%	14.8%	18.5%	8.9%	12.4%	7.4%	-38.5%
Dow Jones Industrial Avg PR		3.1%	20.3%	23.1%	11.3%	12.2%	7.4%	-33.8%
MSCI EAFE		1.6%	17.0%	14.8%	2.8%	4.2%	-0.1%	-45.1%
MSCI EM		6.6%	27.6%	27.1%	6.5%	2.5%	0.2%	-54.5%
Barclays Agg Bond--US		-1.6%	0.5%	1.0%	1.1%	1.7%	3.6%	5.2%
Citi WGBI nonUSD (foreign bonds)		2.6%	11.2%	4.7%	3.7%	0.9%	2.0%	10.1%
Aggressive (95% stocks-5% bonds)		1.6%	14.3%	18.2%	7.1%	9.3%	5.6%	-38.9%
95 Strategic III		0.3%	12.0%	15.5%	7.4%	9.9%	9.0%	-30.9%
95 Strategic USA II		0.5%	12.0%	16.7%	8.4%	11.9%	11.1%	-25.8%
95 Strategic IV		2.1%	18.0%	20.1%	9.6%	11.2%	9.3%	-33.5%
95 Schwab index 2017		1.4%	14.7%	18.4%	8.3%	11.1%	7.7%	-34.3%
95 Schwab ETF 2018		2.1%	17.6%	20.4%	9.1%	11.5%
Confluence Value Opportunities								-22.3%
Confluence Equity Income								-18.9%
WealthFront 9		2.7%	17.1%	19.6%	7.5%	8.7%	5.6%	-38.1%
American Funds Port Ser Growth		4.4%	21.0%	22.4%	10.9%	13.8%	8.6%	-39.5%
American Funds Port Ser Global Growth		3.9%	23.0%	22.2%	10.2%	12.0%	7.2%	-40.3%
Moderately Aggressive (75-25)		0.3%	8.8%	12.6%	4.6%	6.3%	4.6%	-31.0%
80 Strategic II		0.9%	13.1%	17.0%	6.9%	8.9%	8.5%	-31.1%
80 Strategic III		0.3%	10.8%	14.0%	6.8%	9.0%	8.5%	-27.7%
80 Strategic IV		1.8%	14.9%	17.0%	8.2%	9.4%	8.5%	-29.2%
80 USA tilt		0.7%	11.2%	15.7%	6.5%	8.9%	8.2%	-28.5%
80 Schwab index 2017		1.3%	12.5%	15.2%	7.0%	9.3%	6.9%	-29.3%
80 Schwab ETF 2018		1.5%	14.2%	16.0%	7.4%	9.2%
Money 75		1.4%	12.5%	17.0%	7.5%	9.4%	7.4%	-32.7%
American Funds Port Ser Gr+Inc		2.7%	14.9%	16.8%	8.1%	10.7%	7.0%	-32.7%
Moderate (60-40)		0.0%	6.9%	10.3%	3.9%	5.3%	4.4%	-25.6%
60 Strategic III		-0.1%	8.5%	11.5%	5.6%	7.4%	7.5%	-23.3%
60 Strategic IV		1.2%	11.8%	14.1%	6.8%	7.7%	7.7%	-24.7%
60 Schwab index 2017		1.0%	10.1%	12.2%	5.7%	7.6%	6.0%	-23.8%
60 Schwab ETF 2018		0.8%	11.3%	12.8%	6.2%	7.8%
American Funds Port Ser Balanced		1.7%	12.5%	13.5%	6.6%	8.7%	6.4%	-28.5%
Moderately Conservative (40-60)		0.4%	6.0%	7.9%	3.3%	4.0%	3.8%	-17.4%
40 Strategic III		0.1%	6.6%	9.2%	4.5%	5.7%	6.7%	-16.8%
40 Strategic IV		0.7%	8.3%	10.4%	5.0%	5.6%	6.5%	-18.5%
40 Schwab Index 2017		0.5%	6.9%	8.1%	3.9%	5.1%	4.8%	-16.2%
40 Schwab ETF 2018		0.3%	8.1%	8.5%	4.5%	5.7%
Hartford Balanced Income A		-1.1%	6.3%	10.8%	6.0%	7.1%	7.5%	-18.5%
Conservative (20-80)		0.2%	3.6%	4.8%	2.2%	2.3%	3.1%	-8.4%
20 Strategic III		-0.5%	2.8%	5.4%	2.8%	3.1%	4.2%	-9.3%
20 Strategic IV		0.2%	4.9%	7.0%	3.3%	3.6%	5.2%	-11.6%
20 Schwab index 2017		0.5%	4.5%	4.8%	2.6%	3.4%	3.6%	-9.2%
20 Schwab ETF 2018		-0.5%	4.2%	4.6%	2.6%	3.4%
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 relatively low-cost and tax-efficient portfolios.  They are comprised mostly 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 is specific investment advice to any individual or organization.  If the information hereon is of interest to you, please send e-mail to Info@PotomacWealthStrategies.com for a consultation.

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.

Strategic and Flex Portfolio Returns through March 2016

US and Foreign Indexes		3 mo	1 yr	2 yr	3 yr	5 yr	10 yr	2008
Stock Markets (72-21-7)		0.1%	-3.6%	1.4%	6.2%	6.0%	3.4%	-41.0%
S&P 500		0.8%	-0.4%	4.9%	9.5%	9.2%	4.8%	-38.5%
Dow Jones Industrial Avg		1.5%	-0.5%	3.7%	6.7%	7.5%	4.8%	-33.8%
MSCI EAFE		-3.7%	-10.7%	-7.1%	-0.5%	-0.6%	-1.0%	-45.1%
MSCI EM		5.4%	-14.1%	-8.3%	-6.8%	-6.5%	0.6%	-54.5%
Barclays Agg Bond--US		3.0%	2.0%	3.8%	2.5%	3.8%	4.9%	5.2%
Citi WGBI nonUSD (foreign bonds)		9.1%	7.7%	-1.4%	-0.2%	0.2%	4.0%	10.1%
Aggressive (90% stocks-10% bonds)		0.9%	-4.7%	-0.4%	4.1%	4.5%	3.4%	-36.0%
95 Flex V		1.1%	-3.9%	-0.5%	4.4%	5.0%		-19.1%
95 Strategic III		3.1%	0.3%	4.1%	7.6%	8.4%	7.9%	-30.9%
95 Schwab index		0.0%	-3.1%	2.3%	7.7%	7.9%	5.6%	-34.6%
95 Strategic USA II		3.3%	1.3%	5.8%	9.9%	10.8%	9.5%	-25.8%
Confluence Value Opportunities		3.5%	0.7%		17.6%	17.7%	12.1%	-22.3%
Confluence Equity Income		7.7%	5.1%		11.2%	12.3%	9.1%	-18.9%
WealthFront 9		1.6%	-5.0%	-0.5%	3.9%	4.2%	4.4%	-38.0%
American Funds Port Ser Growth		-0.7%	-2.7%	2.5%	8.7%	7.9%	6.1%	-40.8%
Moderately Aggressive (75-25)		1.2%	-3.7%	0.0%	3.6%	4.2%	3.7%	-31.0%
80 Flex V		1.0%	-3.7%	-0.4%	4.1%	4.8%		-16.9%
80 Strategic II		0.9%	-4.2%	0.4%	5.2%	7.0%	6.9%	-30.2%
80 Strategic III		3.0%	0.5%	4.0%	7.0%	8.1%	7.8%	-27.7%
80 USA tilt		1.0%	-3.5%	1.1%	5.8%	7.2%	6.5%	-28.5%
80 Schwab index		0.2%	-1.7%	3.0%	7.1%	7.8%	5.6%	-30.6%
Money 75		0.8%	-3.2%	1.5%	6.0%	6.4%	5.7%	-32.7%
American Funds Port Ser Gr+Inc		1.9%	-0.6%	2.5%	6.3%	6.9%	5.6%	-29.6%
Moderate (60-40)		1.5%	-2.7%	0.5%	3.1%	4.0%	3.9%	-25.6%
60 Flex V		1.0%	-2.9%	0.0%	3.6%	4.9%		-13.1%
60 Strategic III		3.0%	0.5%	3.6%	5.8%	7.2%	7.3%	-23.3%
60 Schwab index		0.8%	-2.0%	2.1%	5.4%	6.0%	4.8%	-25.6%
American Funds Port Ser Balanced		1.3%	0.1%	3.0%	6.6%	7.0%	5.7%	-28.3%
Moderately Conservative (40-60)		1.6%	-1.3%	-0.5%	2.3%	3.4%	3.9%	-17.4%
40 Flex V		1.2%	-2.1%	0.6%	3.3%	5.1%	7.4%	-10.4%
40 Strategic III		2.9%	0.4%	2.8%	4.2%	6.0%	6.8%	-16.4%
40 Schwab Index		0.7%	0.3%	3.5%	5.0%	6.5%	5.0%	-19.7%
Goldman Sachs Income Builder		0.9%	-4.5%	-0.8%	3.2%	6.0%	5.4%	-23.3%
Conservative (20-80)		2.1%	0.0%	0.6%	1.2%	2.5%	3.8%	-8.4%
20 Flex V		1.0%	-1.5%	0.8%	2.5%	4.9%		-5.2%
20 Strategic III		2.8%	0.5%	1.8%	2.1%	4.0%	5.1%	-8.6%
20 Schwab index		1.1%	1.9%	4.3%	4.4%	6.1%	4.6%	-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.

Portfolio Model & Index Performance Through December 2015

Happy New Year, and here is to a great 2016 for us all!

2015 was a down-year for the stock markets and some bond markets.  Here is how the six major indexes fared last year:

• Dow Jones Industrial Average -2.2%
• S&P 500 -0.7%
• MSCI EAFE (developed-market stocks outside the USA) -3.3%
• MSCI EM (emerging-market stocks) -17.0%
• Barclays US Aggregate Bond index +0.6%
• Citi WGBI nonUSD bond index -5.5%

Most of us should be investing in a broad mix of various types of stocks and bonds using "asset allocation" strategies.  According to Nobel Prize-winning research, the right asset allocation will strike the best balance of risk and reward over time.

So, instead of comparing performance just to the Dow or the S&P 500, or to a bond index, we should use a "blended benchmark" suitable to our risk profile.  For example, investors with a moderate to aggressive risk tolerance should have at least 60% of their portfolios in stocks, and up to 100%.  Meanwhile, a retiree who needs investment income and should not be much exposed to stock market volatility should be mostly in bonds and cash, with about 20% in stocks.

To that end, I create and manage several portfolio models and use them for most of my clients' investments.  Below are the performance data through 12/31/2015 for the models we use most.  NOTE:  this data does not reflect any client's specific returns; it illustrates how a model would have done over time.

Please contact me with any questions about your portfolios, accounts, and/or personal financial strategy.  Thank you, and happy new year!

--Gary

US and Foreign Indexes		3 mo	1 yr	2 yr	3 yr	5 yr	10 yr	2008
Stock Markets (72-21-7)		5.7%	-0.5%	3.6%	10.9%	9.2%	6.1%	-38.5%
S&P 500		6.5%	-0.7%	5.2%	12.7%	10.2%	5.1%	-38.5%
Dow Jones Industrial Avg		7.0%	-2.2%	2.5%	10.0%	8.5%	5.0%	-33.8%
MSCI EAFE		4.4%	-3.3%	-5.4%	2.3%	0.7%	0.2%	-45.1%
MSCI EM		0.3%	-17.0%	-11.0%	-9.0%	-7.2%	1.2%	-54.5%
Barclays Agg Bond--US		-0.6%	0.6%	3.2%	1.4%	3.3%	4.5%	5.2%
Citi WGBI nonUSD (foreign bonds)		-1.4%	-5.5%	-4.1%	-4.3%	-1.3%	3.1%	10.1%
Aggressive (90% stocks-10% bonds)		3.1%	-3.7%	0.1%	6.2%	5.4%	4.0%	-36.0%
95 Flex V		4.2%	-4.0%	-0.8%	6.4%	5.7%		-19.1%
95 Strategic II		4.0%	-2.7%	1.2%	9.5%	9.2%	8.0%	-35.9%
95 Schwab index		4.6%	-0.9%	1.4%	9.9%	8.3%	5.9%	-37.2%
Confluence Value Opportunities		2.2%	2.3%	16.0%	21.2%	17.6%	12.3%	-22.3%
WealthFront 9		3.1%	-4.5%	-0.7%	5.0%	4.8%		-38.0%
American Funds Growth Port		5.3%	1.4%	3.6%	11.7%	9.0%	6.9%	-40.8%
Moderately Aggressive (75-25)		2.5%	-3.1%	0.3%	5.2%	4.9%	4.1%	-31.0%
80 Flex V		3.8%	-3.6%	-0.3%	5.8%	5.5%		-16.9%
80 Strategic II		3.2%	-2.8%	0.8%	7.4%	7.7%	7.4%	-30.2%
80 USA tilt		3.0%	-2.8%	1.3%	8.2%	8.0%	7.0%	-28.5%
80 Schwab index (muni)		4.1%	-0.1%	2.3%	8.7%	7.8%	5.7%	-32.3%
Money 75		3.3%	-1.2%	2.1%	7.9%	7.2%	6.2%	-32.7%
American Funds Growth+Inc Port		3.7%	-1.0%	2.5%	7.5%	7.3%	5.9%	-29.6%
Moderate (60-40)		2.0%	-2.5%	0.6%	4.2%	4.5%	4.1%	-25.6%
60 Flex V		3.2%	-3.0%	0.2%	5.0%	5.5%		-13.1%
60 Strategic II		2.4%	-2.4%	1.0%	5.7%	6.7%	7.0%	-23.0%
60 Schwab index (muni)		3.6%	0.9%	3.7%	7.7%	7.6%	5.7%	-26.4%
American Funds Balanced Port		3.7%	0.6%	3.1%	7.8%	7.5%	6.0%	-28.3%
Moderately Conservative (40-60)		1.2%	-1.7%	0.4%	2.9%	3.6%	3.9%	-17.4%
40 Flex V		2.9%	-2.6%	0.7%	4.5%	5.6%		-10.4%
40 Strategic II		2.5%	-1.7%	1.6%	6.0%	6.7%	7.1%	-18.0%
40 Schwab Index (muni)		2.8%	1.6%	4.5%	6.1%	6.9%	5.3%	-19.7%
Goldman Sachs Income Builder		0.3%	-3.6%	-0.1%	5.2%	6.6%	5.6%	-23.3%
Conservative (20-80)		0.2%	-1.4%	0.3%	1.0%	2.5%	3.6%	-8.4%
20 Flex V		2.0%	-1.9%	1.1%	3.3%	5.3%		-5.2%
20 Strategic II		1.8%	-1.5%	1.5%	4.3%	5.3%	6.6%	-11.1%
20 Schwab index (muni)		2.1%	2.3%	5.2%	4.5%	6.2%	4.8%	-13.7%
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.

Portfolio Model Performance Through September 2015

Here are performance #s for the portfolios I run for most of my clients, and some alternatives for comparison.

I recommend moving from the Flex models to Strategic models.  Please contact me with any questions.

Thank you!

--Gary Partoyan

US and Foreign Indexes		3 mo	1 yr	3 yr	5 yr	10 yr	2008
Stock Markets (50-40-10)		-8.4%	-5.7%	7.9%	7.8%	5.0%	-39.7%
S&P 500		-6.4%	-0.6%	12.4%	13.3%	6.8%	-37.0%
MSCI EAFE		-10.2%	-8.7%	5.6%	4.0%	3.0%	-43.4%
US OE Diversified Emg Mkts		-15.9%	-18.8%	-4.1%	-3.4%	3.8%	-54.4%
Barclays Agg Bond--US		1.2%	2.9%	1.2%	3.1%	4.6%	5.2%
Barclays Agg Bond--Global		0.9%	-3.3%	-1.6%	0.8%	3.7%	4.8%
Aggressive		-7.4%	-4.1%	8.2%	8.0%	4.9%	-36.3%
95 Flex V		-7.5%	-6.0%	5.6%	6.4%		-19.1%
95 Strategic II		-8.3%	-3.1%	9.6%	10.3%	7.8%	-35.9%
95 Schwab index		-9.0%	-2.9%	9.4%	9.4%	5.7%	-37.2%
Confluence Value Opportunities		-5.7%	7.7%	22.9%	19.0%	12.2%	-22.3%
WealthFront 9		-9.7%	-7.3%	5.1%	5.9%		-38.0%
Moderately Aggressive		-6.4%	-3.6%	7.2%	7.4%	5.0%	-32.0%
80 Flex V		-7.0%	-5.6%	5.2%	6.1%	7.1%	-16.9%
80 Strategic II		-7.4%	-3.4%	7.7%	8.6%	7.3%	-30.0%
80 USA tilt		-6.7%	-2.4%	8.2%	9.0%	6.8%	-28.5%
80 Schwab index (muni)		-7.1%	-1.9%	8.3%	8.5%	5.5%	-32.3%
Moderate		-4.5%	-2.6%	5.4%	6.0%	4.9%	-23.1%
60 Flex V		-6.2%	-5.0%	4.7%	5.9%		-13.1%
60 Strategic II		-6.0%	-3.0%	6.2%	7.5%	6.9%	-23.9%
60 Schwab index (muni)		-4.9%	-0.5%	7.2%	7.8%	5.5%	-26.4%
Goldman Sachs Income Builder		-5.0%	-4.4%	5.7%	7.8%	5.7%	-23.3%
American Funds Balanced Port		-4.2%	-0.8%	7.6%	8.2%	5.9%	-28.2%
Moderately Conservative		-2.6%	-1.6%	3.6%	4.6%	4.8%	-13.3%
40 Flex V		-5.4%	-4.6%	4.4%	5.9%		-13.3%
40 Strategic II		-4.7%	-2.5%	6.1%	7.0%	6.9%	-17.7%
40 Schwab Index (muni)		-2.8%	0.8%	5.8%	6.8%	5.2%	-20.1%
Conservative		-0.6%	-0.7%	1.7%	3.2%	4.5%	-2.5%
20 Flex V		-4.4%	-3.8%	3.6%	5.5%		-5.2%
20 Strategic II		-3.3%	-2.1%	4.5%	5.5%	6.1%	-10.5%
20 Schwab index (muni)		-0.8%	1.8%	4.3%	5.4%	4.7%	-13.7%
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.