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.

Index Funds vs Active Management: Cost vs. Cost-Justification

Lots of talk these days about making sure you have low-cost mutual funds.  All things being equal, yes, the lower the internal costs of a fund, the better.  Assuming, that is, you are talking about funds that invest in the same way and get similar returns...

But all funds are not equal and do not all invest the same way.  Some fund managers are better at picking investments, and they get better returns.  You can do better if you choose those benchmark-beating funds.

Think of a football team...  the same playbook and strategy would be more successful most of the time if all-pro players were on the team.  That is what my Strategic portfolios aim to accomplish--the mutual fund versions of a team with "all-pro players" on the field for us.

These "all-pro" funds cost more than the low-cost index funds, but that should not matter if their net performance is better.  If one fund delivers net-of-fees performance of 7.5% per year and another 7.0%, why be concerned about how much each fund charges?

Uncertainty is the only reason--we don't know if the outperformance will continue.  But if we find funds with consistent track-records over several market cycles, we can have confidence that they really are better at investing.

But these funds are hard to find.  80% of actively-managed funds underperform their benchmarks.  How does one know which are in the 20% that outperform?  Can't figure that out for yourself?  I will do it for you for about 1.25% per year.  I know what to look for, and I have the tools--my firm's most expensive overhead cost is the research database with which I hunt for the actively-managed mutual funds that are worthy using.

And even if the cost-justification makes it merely a wash compared to using index funds, you still have me on retainer to help with personal financial strategy and advice:  how much to save, which accounts to use, buy or rent a home, lease or finance a car, what kind of insurance to buy...


There is Nobel Prize-winning research that guides most financial advisors on how to diversify portfolios.  If we're following that asset allocation guidance, then portfolios using benchmark-beating funds should do better most of the time and over the long-haul than those using index funds, even if the latter have lower costs.  The Strategic portfolio models I offer will have beaten strategically similar models comprised of index funds, and over just about every time period.


To summarize, index funds are all pretty much the same, so go for the ones with the lowest cost...  but a well-constructed portfolio of the best actively-managed funds should beat that, and even if you don't know how to do it yourself, an advisor like me can do it in a way that cost-justifies the additional advisory fee.  Value.  Cost-justification.  Good stuff!

I appreciate your time.  Thank you for reading this post.

Portfolio Model Performance Through March 2015

Through the first quarter of 2015, the Schwab Index portfolios are outperforming the others, but the Strategic portfolios have the better returns in the 3-, 5-, and 10-yr periods.

US and Foreign Indexes		3 mo	1 yr	3 yr	5 yr	10 yr	2008
Stock Markets (50-40-10)		2.8%	5.7%	11.5%	9.7%	6.8%	-39.7%
S&P 500		1.0%	12.7%	16.1%	14.5%	8.0%	-37.0%
MSCI EAFE		4.8%	-0.9%	9.0%	6.2%	5.0%	-43.4%
US OE Diversified Emg Mkts		1.1%	-1.2%	0.6%	1.5%	7.6%	-54.4%
Barclays Agg Bond--US		1.6%	5.7%	3.1%	4.4%	4.9%	5.2%
Barclays Agg Bond--Global		-1.9%	-3.7%	-0.2%	2.3%	3.6%	4.8%
Aggressive		2.7%	5.3%	11.4%	9.6%	6.4%	-36.3%
95 Flex V		0.9%	3.1%	9.4%	8.7%		-19.1%
95 Strategic II		2.5%	6.3%	13.8%	13.0%	9.6%	-35.9%
95 Schwab index		3.5%	6.2%	13.2%	11.3%	7.4%	-37.2%
WealthFront 9		2.1%	4.2%	8.9%	8.4%	7.3%	-38.0%
Moderately Aggressive		2.3%	4.8%	10.3%	9.1%	6.3%	-32.0%
80 Flex V		1.0%	3.0%	9.0%	8.4%		-16.9%
80 Strategic II		2.4%	5.2%	11.6%	11.2%	8.8%	-30.0%
80 Schwab index		3.2%	6.1%	11.4%	10.1%	6.9%	-32.1%
Moderate		1.8%	3.8%	8.0%	7.7%	5.9%	-23.1%
60 Flex V		1.0%	3.1%	8.4%	8.2%		-13.1%
60 Flex IV		1.3%	1.8%	6.3%	7.4%		-13.0%
60 Strategic II		2.0%	4.8%	9.7%	9.7%	8.2%	-23.9%
60 Schwab index		2.7%	6.4%	9.4%	8.9%	6.2%	-25.6%
Goldman Sachs Income Builder		1.9%	3.0%	9.1%	9.5%	6.7%	-23.3%
American Funds Balanced Port		2.0%	7.0%	10.6%	9.8%	7.0%	-28.2%
Moderately Conservative		1.1%	2.8%	5.7%	6.3%	5.4%	-13.3%
40 Flex V		0.7%	3.4%	8.2%	8.2%		-13.1%
40 Strategic II		1.2%	4.9%	9.1%	8.8%	7.7%	-17.7%
40 Schwab Index		2.3%	6.2%	7.2%	7.4%	5.4%	-18.8%
Conservative		0.5%	1.8%	3.4%	4.8%	4.8%	-2.5%
20 Flex V		0.8%	3.3%	7.3%	7.8%		-5.2%
20 Strategic II		0.8%	4.1%	7.0%	6.9%	6.7%	-10.5%
20 Schwab index		2.0%	5.7%	4.9%	5.6%	4.4%	-11.7%
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.

Performance Data for Model Portfolios Through February 2015

With the U.S. stock market significantly outperforming most other asset classes in 2014, there is temptation to load-up on U.S. holdings in our portfolios.  I still strongly recommend diversification.  There is Nobel Prize-winning research supporting the "asset allocation" methods I employ.  My goal is to have folks strike the optimal risk/reward balance.

Here is what has been happening in my Strategic and Flex models:

US and Foreign Indexes		3 mo	1 yr	3 yr	5 yr	10 yr	2008
Stock Markets (50-40-10)		2.2%	8.0%	12.6%	11.4%	6.7%	-39.7%
S&P 500		2.3%	15.5%	18.0%	16.2%	8.0%	-37.0%
MSCI EAFE		2.8%	0.0%	9.4%	7.8%	4.8%	-43.4%
US OE Diversified Emg Mkts		-2.2%	2.8%	0.5%	3.4%	7.1%	-54.4%
Barclays Agg Bond--US		1.2%	5.1%	2.8%	4.3%	4.8%	5.2%
Barclays Agg Bond--Global		-1.7%	-2.8%	-0.1%	2.4%	3.6%	4.8%
Aggressive		2.3%	6.9%	12.4%	11.1%	6.3%	-36.3%
95 Flex V		1.0%	4.5%	10.3%	10.0%		-19.1%
95 Strategic II		2.3%	7.6%	14.7%	14.6%	9.5%	-35.6%
95 Schwab index		3.3%	6.7%	14.1%	12.8%	7.3%	-37.2%
WealthFront 9		1.4%	7.0%	9.7%	9.9%	7.3%	-38.0%
Moderately Aggressive		2.1%	6.2%	11.1%	10.4%	6.2%	-32.0%
80 Flex V		0.9%	4.3%	9.8%	9.7%		-16.9%
80 Strategic II		2.1%	6.3%	12.3%	12.5%	8.8%	-30.0%
80 Schwab index		2.9%	6.5%	12.1%	11.4%	6.7%	-32.1%
Moderate		1.5%	4.9%	8.6%	8.6%	5.9%	-23.1%
60 Flex V		0.5%	4.3%	9.0%	9.3%		-13.1%
60 Flex IV		0.8%	2.7%	6.7%	8.3%		-13.0%
60 Strategic II		1.7%	5.8%	10.3%	10.9%	8.1%	-23.9%
60 Schwab index		2.5%	6.6%	9.9%	9.8%	6.1%	-25.6%
Goldman Sachs Income Builder		1.3%	4.9%	10.0%	10.5%	6.6%	-23.3%
American Funds Balanced Port		1.8%	8.0%	11.4%	10.8%	6.9%	-28.2%
Moderately Conservative		0.9%	3.5%	6.0%	6.8%	5.4%	-13.3%
40 Flex V		0.2%	4.7%	8.7%	9.2%		-13.1%
40 Strategic II		1.3%	6.2%	9.7%	9.7%	7.7%	-17.7%
40 Schwab Index		2.1%	6.1%	7.5%	8.0%	5.3%	-18.8%
Conservative		0.4%	2.1%	3.4%	5.0%	4.8%	-2.5%
20 Flex V		-0.2%	4.4%	7.6%	8.6%		-5.2%
20 Strategic II		0.9%	5.2%	7.5%	7.6%	6.7%	-10.5%
20 Schwab index		1.7%	5.4%	4.9%	5.9%	4.3%	-11.7%
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.