Three Model Portfolios Designed to Help You Sleep Well At Night


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Monday, October 06, 2008

Portfolio Performance Through 9/30/2008

Long-Term "Retirement Advisor" Model Portfolio Performance
The Retirement Advisor Model Portfolio NameDollar Value
on 9/30/2008
Percent
Increase
Aggressive Growth and Income Model Portfolio 1
Initial Value of $200,000 on 1/1/2007
$194,840(2.6%)
Moderate Growth and Income Model Portfolio 2
Initial Value of $200,000 on 1/1/2007
$203,1631.6%
Conservative Capital Preservation Model Portfolio 3
Initial Value of $200,000 on 1/1/2007
$216,2468.1%
DJIA 12,501.52 on 1/1/2007 $10,851 (13.2%)

Model Portfolios 2007 Results:

The Retirement Advisor Aggressive Growth and Income Model Portfolio 1 , designed for someone approaching retirement who is interested in a portfolio allocation designed to provide income and capital appreciation while avoiding excessive risk, gained 9.52% in 2007, its first year of existence. This portfolio was 50% in stock index funds and 50% in fixed income index funds (or ETF equivalents.) It benefited greatly from TIPS for inflation protection which we feel allows a lower allocation to equities and a 4% withdrawal rate.

The Retirement Advisor Moderate Growth and Income Model Portfolio 2 , designed for someone who has retired and seeks to maintain their current standard of living, even with inflation, gained 8.48% in 2007, its first year of existence. This portfolio was 30% in stock index funds and 70% in fixed income index funds (or ETF equivalents.) It benefited greatly from TIPS for inflation protection

The Retirement Advisor Conservative Capital Preservation Model Portfolio 3 , designed for someone in the later stages of retirement who wants to avoid any losses in their portfolio and who does not need a lot of inflation protection, gained 8.32% in 2007, its first year of existence. This portfolio was 100% in fixed income index funds (or ETF equivalents.) It benefited greatly from TIPS for inflation protection.