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Portfolio Model Returns through 2019-12-31

| January 16, 2020
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Here are the returns* for Potomac Wealth Strategies' portfolio models and other investments, blended benchmarks, and indexes.  For 3-mo, 1-yr, and year 2018, the returns are total.  For 2-, 3-, 5-, and 10-yr, the returns are average annual rates of return.

*These returns are for the models as if one invested in them exactly and paid no transaction or advisory fees, and they are not specific to any PWS client.

US and Foreign Indexes 3 mo1 yr2 yr3 yr5 yr10 yr2018
Stock Markets (72-21-7 US-Foreign-EM) 8.6%25.7%6.9%11.4%7.6%8.7%-9.1%
S&P 500 PR 8.5%28.9%9.9%13.0%9.4%11.2%-6.2%
Dow Jones Industrial Avg PR 6.0%22.3%7.5%13.0%9.9%10.6%-5.6%
MSCI EAFE (foreign stocks) 7.8%18.4%-0.3%6.6%2.8%2.6%-16.1%
MSCI EM (emerging mkts stocks) 11.4%15.4%-1.9%8.9%3.1%1.2%-16.6%
Barclays Agg Bond (US bonds) 0.2%8.7%4.3%4.0%3.1%3.8%0.0%
Citi WGBI nonUSD (foreign bonds) -0.1%5.3%1.7%4.5%1.9%1.4%-1.8%
         
         
Aggressive (90% stocks-10% bonds) 7.5%23.6%6.2%10.0%6.8%8.1%-8.8%
95 Strategic VI 7.3%24.3%8.4%13.2%8.9%10.1%-5.4%
95 Strategic V 8.2%24.2%8.0%13.5%9.5%11.0%-6.2%
95 Schwab index 2019 8.3%27.4%8.9%12.9%9.5%11.0%-6.9%
95 Strategic USA II 6.7%27.3%11.5%13.6%10.1%12.5%-2.4%
Confluence Value Opportunities 4.4%28.6% 6.2%7.1%12.7%-18.8%
Confluence Equity Income 6.6%31.0% 11.9%10.6%12.8%-18.9%
WealthFront 9 8.2%24.1%6.2%11.4%7.6%8.1%-9.1%
Franklin Mutual Beacon A 8.3%24.7%6.8%9.2%7.6%9.5%-8.5%
American Funds Port Ser Growth 10.6%27.1%8.9%13.9%10.3%11.4%-6.6%
American Funds Growth+Global 10.6%28.1%8.6%14.3%9.9%10.9%-8.0%
         
Moderately Aggressive (75-25) 6.2%21.1%6.0%9.1%6.3%7.5%-7.3%
80 Strategic VI 6.0%22.3%8.1%12.1%8.2%9.2%-4.3%
80 Strategic V 7.3%22.9%8.0%12.9%9.1%10.5%-5.1%
80 Strategic III 5.8%22.8%8.3%11.0%8.2%10.0%-4.5%
80 Schwab index 2019 7.0%23.8%8.2%11.4%8.5%9.9%-5.5%
Money 75 6.0%21.0%7.2%9.8%8.0%9.8%-5.0%
T Rowe Price Personal Strategy Growth 6.4%23.3%7.6%12.2%8.7%10.3%-6.1%
American Funds Port Ser Gr+Inc 7.7%21.8%7.0%10.8%8.1%9.4%-6.0%
Vanguard Target Retirement 2040 Inv 7.4%23.9%7.1%11.5%8.2%9.9%-7.3%
         
Moderate (60-40) 5.0%18.5%5.7%8.1%5.6%6.8%-5.8%
60 Strategic VI 5.0%19.6%7.5%10.5%7.3%8.3%-3.5%
60 Strategic V 5.8%19.0%7.0%10.7%7.7%8.9%-3.8%
60 Strategic III 4.8%20.1%7.4%9.5%7.2%9.0%-4.0%
60 Schwab Index 2019 5.5%19.5%7.2%9.6%7.1%8.4%-3.9%
Janus Henderson Balanced T 5.4%22.4%10.9%13.4%8.9%9.3%0.5%
American Funds Port Ser Moderate Gr+Inc 7.7%21.8%7.0%10.8%8.1%9.4%-4.6%
American Funds American Balanced F-1 5.9%19.1%7.6%10.1%8.1%10.1%-2.8%
         
Moderately Conservative (40-60) 3.3%15.0%5.3%6.8%4.8%5.8%-3.6%
40 Strategic VI 3.6%15.6%6.4%8.5%6.0%6.8%-2.2%
40 Strategic V 4.3%15.6%5.7%8.3%6.0%7.2%-3.4%
40 Schwab index 2019 4.2%16.3%6.4%8.3%6.2%7.5%-2.6%
T Rowe Price Personal Strategy Income 3.6%15.1%5.7%8.0%6.0%7.1%-3.0%
         
Conservative (20-80) 1.6%11.5%4.7%5.4%3.9%4.7%-1.7%
20 Strategic VI 2.1%11.6%5.1%6.1%4.4%5.2%-1.0%
20 Strategic V 2.8%12.3%5.0%6.4%4.8%5.8%-1.9%
20 Schwab index 2019 2.5%11.6%5.1%6.2%4.6%5.7%-0.9%
Fidelity Advisor Asset Mgr 20% 2.3%10.3%4.0%4.9%3.7%4.4%-2.0%
         
Very Conservative (00-100) 0.1%8.2%4.0%4.1%2.9%3.5%-0.1%
00 Strategic VI 0.6%8.7%4.0%4.0%3.2%3.9%-0.5%
         
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" and "XX Schwab ETF" models are relatively low-cost and tax-efficient portfolios.  They are comprised mostly of index funds or exchange-trade 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.
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