| Model Allocation Software Using Mutual Funds with Front-End Loads |
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Time Frames |
Conservative Model | Moderately Conservative Model | Moderate Model | Moderately Aggressive Model | Aggressive Model | DJIA |
S&P 500 |
NASDAQ |
Russell 2000 |
MSCI EAFE |
Barcap Agg Bond |
| 2003 | 13.02% | 18.36% | 23.84% | 28.05% | 31.43% | 28.28% | 28.68% | 29.28% | 47.25% | 17.41% | 4.11% |
| 2004 | 10.95% | 12.14% | 13.28% | 14.23% | 14.56% | 5.32% | 10.87% | 8.59% | 18.33% | 10.18% | 4.34% |
| 2005 | 7.02% | 8.90% | 11.34% | 13.52% | 13.77% | 1.72% | 4.91% | 1.37% | 4.55% | 25.96% | 2.43% |
| 2006 | 11.60% | 12.99% | 15.06% | 16.41% | 17.20% | 19.05% | 15.79% | 9.52% | 18.37% | 13.81% | 4.33% |
| 2007 | 7.77% | 11.57% | 15.19% | 17.50% | 18.05% | 8.89% | 5.49% | 9.81% | -1.57% | 11.17% | 6.97% |
| 2008 | -14.84% | -23.93% | -29.94% | -35.61% | -38.59% | -31.93% | -37.00% | -40.54% | -33.79% | -45.09% | 5.24% |
| 2009 | 17.42% | 22.39% | 28.48% | 34.22% | 38.81% | 22.68% | 26.46% | 43.89% | 27.17% | 27.75% | 5.93% |
| 2010 | 11.06% | 14.26% | 14.11% | 15.65% | 16.19% | 14.06% | 15.06% | 16.91% | 26.86% | 4.90% | 6.54% |
| 2011 | 0.05% | 0.35% | -2.47% | -4.31% | -5.75% | 8.38% | 2.11% | -1.80% | -4.18% | -12.14% | 7.84% |
| The Month of Dec '11 | 0.61% | 0.31% | -0.07% | -0.33% | -0.63% | 1.58% | 1.02% | -0.58% | 0.66% | -0.95% | 1.10% |
| Year-to-date (31 Dec '10 to 31 Dec '11) | 0.05% | 0.35% | -2.47% | -4.31% | -5.75% | 8.38% | 2.11% | -1.80% | -4.18% | -12.14% | 7.84% |
| Last 12 Months | 0.05% | 0.35% | -2.47% | -4.31% | -5.75% | 8.38% | 2.11% | -1.80% | -4.18% | -12.14% | 7.84% |
Last 3 Years Annualized Average |
9.27% | 11.96% | 12.66% | 14.10% | 14.98% | 14.89% | 14.11% | 18.21% | 15.63% | 7.65% | 6.77% |
Last 5 Years Annualized Average |
3.67% | 3.56% | 2.91% | 2.36% | 1.96% | 2.37% | -0.25% | 1.53% | 0.15% | -4.72% | 6.50% |
| Annual Average Since Inception (31 Dec '02 - Monthly compounding) | 7.31% | 8.30% | 9.11% | 9.71% | 9.95% | 7.00% | 6.15% | 7.71% | 9.00% | 7.25% | 5.29% |