Broker Check

Portfolio Model Returns through May 2020

| June 03, 2020
Share |

PWS' portfolio models are beating their benchmarks, and significantly in many cases.  Let's decide what type of investor you are.  I already have the portfolio model for you!

US and Foreign Indexes3 mo1 yr2 yr3 yr5 yr10 yr201812 mo yldWorst 3 mo
S&P 500 PR3.1%10.6%6.1%8.1%7.6%10.8%-6.2%1.9%-29.66
Barclays Agg Bond (US bonds)1.7%9.4%7.9%5.1%3.9%3.9%0.0%  
Stock Markets (72-21-7 US-Foreign-EM)1.0%8.2%4.4%7.2%7.2%10.7%-7.3%2.4%-31.61
Citi WGBI nonUSD (foreign bonds)-0.9%3.1%2.0%2.5%3.1%1.9%-1.8%  
Dow Jones Industrial Avg PR-0.1%2.3%2.0%6.5%7.1%9.6%-5.6%  
MSCI EAFE (foreign stocks)-4.7%-5.1%-6.8%-3.0%-1.9%238.0%-16.1%  
MSCI EM (emerging mkts stocks)-7.5%-6.8%-8.9%-2.6%-1.5%0.0%-16.6%  
Aggressive Models (90% stocks-10% bonds)0.9%6.2%2.7%5.0%4.8%8.2%-8.3%0.3%-28.9%
Benchmark  Returns3 mo1 yr2 yr3 yr5 yr10 yr201812 mo yldWorst 3 mo
American Funds Port Ser Growth3.8%12.1%5.0%8.7%8.2%11.4%-6.6%1.0%-32.7%
American Funds Global Growth2.2%9.9%3.5%7.2%7.0%10.1%-9.0%1.1%-33.5%
90 Strategic USA3.5%8.5%7.7%10.1%9.3%11.8%-1.3%1.2%-33.6%
90 Schwab Index 20190.6%6.9%3.9%6.7%6.8%10.1%-6.3%2.3%-29.9%
90 Strategic VII1.4%5.9%4.8%7.5%7.2%9.9%-4.5%1.8%-33.1%
90 Strategic VI-1.0%3.7%3.4%6.6%6.6%9.5%-5.0%1.3%-31.9%
95 Strategic USA II-1.3%3.6%5.8%7.5%7.7%11.4%-2.4%0.9%-26.8%
WealthFront 9-1.9%2.7%0.5%4.2%4.4%7.5%-9.1%2.5%-32.5%
95 Strategic V-2.4%1.7%1.4%5.3%6.5%9.9%-6.2%1.3%-32.3%
Franklin Mutual Beacon A-7.5%-4.9%-2.0%-0.2%2.3%7.5%-8.5%2.3%-33.1%
Confluence Value Opportunities         
Confluence Equity Income         
Moderately Aggressive Model (75-25)1.2%6.9%3.7%5.1%4.8%7.6%-6.9%0.63%-25.6%
Benchmark Returns3 mo1 yr2 yr3 yr5 yr10 yr201812 mo yldWorst 3 mo
American Funds Port Ser Gr+Inc2.4%9.0%4.5%6.3%6.4%9.5%-5.9%2.0%-26.8%
80 Schwab Index 20190.6%7.0%4.3%6.3%6.2%9.2%-5.3%2.2%-25.5%
Vanguard Target Retirement 2040 Inv0.2%6.5%3.2%5.8%5.8%9.3%-7.3%2.4%-29.2%
80 Strategic VII1.4%6.5%5.4%7.1%6.7%9.1%-3.9%2.0%-30.1%
80 ETF 2020-0.1%5.8%4.2%6.0%6.0%9.0%-5.7%2.4%-28.1%
T Rowe Price Spectrum Moderate Growth Allocation (TRSGX)-0.2%5.5%3.1%6.1%6.2%9.8%-6.1%1.4%-33.0%
80 Allocation Funds-0.5%4.7%3.8%5.3%5.7%9.1%-5.5%2.1%-30.9%
80 Strategic VI-0.8%4.4%3.7%6.6%6.5%9.1%-4.9%1.4%-29.7%
Money 75-0.7%3.6%2.1%5.3%6.7%8.9%-5.0%2.4%-30.1%
80 Strategic V-1.5%3.4%2.9%5.9%6.7%9.6%-5.1%1.7%-30.9%
80 Strategic III-1.3%2.5%3.8%5.5%6.0%9.1%-4.5%1.3%-28.0%
Dow Jones Moderate Model (60-40)-0.4%4.4%2.7%4.6%4.8%7.1%-5.2%  
Benchmark Returns3 mo1 yr2 yr3 yr5 yr10 yr201812 mo yldWorst 3 mo
60 Allocation Funds2.8%11.5%7.7%7.9%6.8%9.1%-3.1%1.45%-20.3%
Janus Henderson Balanced T (JABAX)1.5%10.6%8.1%9.7%7.8%9.3%0.5%1.70%-16.1%
American Funds American Balanced F-11.9%9.8%6.4%7.0%7.1%9.9%-2.8%1.87%-21.1%
American Funds Port Ser Moderate Gr+Inc1.7%8.3%4.9%5.9%5.8% -4.6%1.79%-23.4%
60 Strategic VII1.3%6.5%5.5%6.6%6.1%8.1%-3.1%2.17%-27.3%
60 Index Schwab 20190.0%6.0%4.3%5.7%5.6%8.0%-3.8%2.24%-21.5%
60 ETF 2020-0.2%5.6%4.5%5.6%5.5%7.9%-4.2%2.34%-23.7%
60 Strategic VI-0.5%5.0%4.1%6.5%6.2%8.6%-4.4%1.45%-27.6%
60 Strategic V-0.8%3.9%3.4%5.4%5.9%8.2%-3.8%1.89%-26.3%
60 Strategic III-1.0%3.0%4.1%5.2%5.4%8.2%-4.0%1.53%-25.5%
Dow Jones Moderately Conservative Model (40-60)-0.2%4.8%3.6%4.2%4.1%5.7%-3.2%  
Benchmark Returns3 mo1 yr2 yr3 yr5 yr10 yr201812 mo yldWorst 3 mo
40 ETF 20201.8%9.2%6.9%6.1%5.4%7.1%-3.0%2.3%-14.6%
40 Strategic VII2.1%8.0%5.9%6.0%5.4% -2.5%2.8%-18.8%
40 Strategic VI0.5%6.5%5.5%5.8%5.3%6.7%-2.2%2.1%-18.8%
40 Allocation Funds0.3%6.4%5.5%5.1%5.0%6.8%-3.8%2.2%-16.2%
T Rowe Price Spectrum Conservative Allocation (PRSIX)-0.4%4.6%3.8%4.7%4.7%6.8%-3.0%2.0%-19.4%
40 Strategic V-0.9%3.9%3.8%4.5%4.7%6.7%-3.4%2.3%-22.8%
Dow Jones Conservative Model (20-80)0.4%4.9%3.9%3.6%3.1%3.9%-0.6%  
Benchmark Returns3 mo1 yr2 yr3 yr5 yr10 yr201812 mo yldWorst 3 mo
20 ETF Schwab1.9%8.9%6.8%5.3%4.3% -1.2%2.5%-6.7%
20 Index Schwab 20191.9%8.7%6.7%5.2%  -1.1%2.4%-20.0%
20 Strategic VII2.0%8.4%6.7%5.7%4.9%5.7%-0.8%2.8%-10.1%
20 ETF 20201.2%8.0%6.2%5.1%4.3%5.3%-2.0%2.5%-11.8%
20 American Funds Cons Inc1.7%6.9%5.5%4.0%3.5%4.3%-1.1%2.1%-10.9%
20 Strategic VI0.4%6.4%7.1%5.2%4.3%4.9%-1.0%2.5%-13.4%
Fidelity Advisor Asset Mgr 20% (FTAWX)0.3%5.7%4.2%3.7%3.3%4.3%-2.0%1.7%-13.7%
Very Conservative Model (00-100)0.9%7.5%6.4%4.3%3.5%3.7%-0.7%2.35%-7.72
Benchmark Returns3 mo1 yr2 yr3 yr5 yr10 yr201812 mo yldWorst 3 mo
NASDAQ DW Tactical Fixed Income 12.7% 6.4%5.5%    
00 ETF 20201.1%7.8%6.7%4.5%3.6%3.9%-0.3%2.7%-6.0%
00 Strategic VII0.5%6.8%6.0%4.2%3.5%4.0%-0.2%2.8%-5.6%
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 for a consultation.  
Share |