Year 2020 was extremely volatile in the markets, even for investors who were prudently diversified. Remaining fully invested in a strategic asset allocation model was the best way to manage risk and reward, once again. The portfolio models crafted by Gary Partoyan for clients of Potomac Wealth Strategies were benchmark-beaters, significantly. See below for performance data. Contact Gary at 703-746-8195 with any questions about your investments and/or personal financial situation.
US and Foreign Indexes | 3 mo | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr | 2018 | Worst 3 mo | 12 mo yld | |
Barclays Agg Bond (US bonds) | 0.7% | 7.5% | 8.1% | 5.3% | 4.4% | 3.8% | 0.0% | -5.6% | 2.2% | |
S&P 500 PR | 11.7% | 16.3% | 22.4% | 12.0% | 12.9% | 11.6% | -6.2% | -31.3% | 1.5% | |
Dow Jones Industrial Avg PR | 10.2% | 7.3% | 14.5% | 7.4% | 11.9% | 10.2% | -5.6% | -25.0% | 1.9% | |
Stock Markets (72-21-7 US-Foreign-EM) | 13.1% | 14.0% | 19.7% | 9.2% | 11.0% | 9.0% | -9.1% | -32.4% | 1.7% | |
Citi WGBI nonUSD (foreign bonds) | 4.8% | 10.8% | 8.0% | 4.6% | 5.2% | 1.9% | -1.8% | -3.3% | 1.1% | |
MSCI EM (emerging mkts stocks) | 19.3% | 15.8% | 15.6% | 3.7% | 10.2% | 1.2% | -16.6% | -42.8% | 1.4% | |
MSCI EAFE (foreign stocks) | 15.7% | 7.6% | 14.6% | 4.2% | 7.5% | 5.4% | -16.1% | -35.2% | 2.1% | |
Returns Periods | 3 mo | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr | 2018 | Worst 3 mo | 12 mo yld | |
Aggressive (90% stocks-10% bonds) benchmark | 13.3% | 14.9% | 19.5% | 9.4% | 10.5% | 8.9% | -8.3% | -29.9% | 0.2% | |
90 Strategic VIII | 15.4% | 34.2% | 28.6% | 17.2% | 15.5% | 11.5% | -3.9% | -28.3% | 0.7% | |
90 Strategic USA 2020 | 17.2% | 39.1% | 31.6% | 19.9% | 18.1% | 14.1% | -0.4% | -33.6% | 0.5% | |
90 ETF 2020 | 13.8% | 15.2% | 20.8% | 10.6% | 12.3% | 10.6% | -7.3% | -32.3% | 1.6% | |
90 Index Schwab VII | 14.3% | 16.1% | 21.3% | 11.3% | 12.9% | 11.0% | -6.3% | -30.0% | 1.7% | |
American Funds Port Ser Growth | 15.3% | 24.3% | 25.7% | 13.9% | 14.9% | 12.4% | -6.6% | -32.7% | 0.6% | |
American Funds Global Growth | 17.3% | 26.7% | 27.3% | 13.8% | 14.6% | 11.2% | -9.0% | -33.5% | 0.5% | |
Confluence Allocation Aggressive Growth | 18.1% | 30.8% | 12.5% | 13.5% | 10.2% | -11.1% | ||||
Confluence Value Opportunities | 20.2% | 9.5% | 4.6% | 8.6% | 13.0% | -18.8% | ||||
Confluence Equity Income | 12.2% | 4.6% | 7.7% | 11.6% | 11.7% | -8.9% | ||||
Returns Periods | 3 mo | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr | 2018 | Worst 3 mo | 12 mo yld | |
Moderately Aggressive (75-25) benchmark | 11.2% | 14.0% | 17.7% | 8.9% | 9.6% | 8.1% | -6.9% | -25.6% | 0.5% | |
80 Strategic VIII | 14.0% | 32.8% | 27.3% | 16.6% | 14.9% | 11.1% | -3.7% | -26.6% | 0.9% | |
80 ETF 2020 | 13.5% | 18.2% | 21.9% | 11.7% | 12.7% | 10.5% | -6.3% | -28.0% | 1.7% | |
80 Index Schwab VII | 13.2% | 14.0% | 18.8% | 10.0% | 11.8% | 9.7% | -5.7% | -27.7% | 1.8% | |
American Funds Port Ser Gr+Inc | 11.2% | 15.7% | 18.8% | 9.9% | 11.4% | 9.9% | -6.0% | -26.9% | 1.5% | |
Vanguard Target Retirement 2040 Inv | 12.8% | 15.5% | 19.6% | 9.9% | 11.7% | 9.9% | -7.3% | -29.2% | 1.6% | |
T Rowe Price Spectrum Moderate Gr Allocation (TRSGX) | 12.8% | 16.7% | 19.9% | 10.6% | 12.0% | 10.4% | -6.1% | -33.0% | 0.8% | |
Returns Periods | 3 mo | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr | 2018 | Worst 3 mo | 12 mo yld | |
Moderate (60-40) benchmark | 9.1% | 13.0% | 15.9% | 8.3% | 8.7% | 7.3% | -5.4% | -21.1% | 0.9% | |
60 Strategic VIII | 11.7% | 28.1% | 24.0% | 14.7% | 13.2% | 10.0% | -3.1% | -24.7% | 1.2% | |
60 ETF 2020 | 10.1% | 16.5% | 18.8% | 10.5% | 10.9% | 8.8% | -4.7% | -17.3% | 1.8% | |
American Funds American Balanced F-1 | 7.6% | 10.8% | 14.9% | 8.7% | 10.0% | 9.9% | -2.8% | -21.1% | 1.3% | |
American Funds Port Ser Moderate Gr+Inc | 9.5% | 13.5% | 16.4% | 8.9% | 9.8% | 8.7% | -4.6% | -23.4% | 1.2% | |
Janus Henderson Balanced T (JABAX) | 7.1% | 14.2% | 18.2% | 12.0% | 11.7% | 10.0% | 0.5% | -16.4% | 1.3% | |
Returns Periods | 3 mo | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr | 2018 | Worst 3 mo | 12 mo yld | |
Moderately Conservative (40-60) benchmark | 6.4% | 11.4% | 13.3% | 7.3% | 7.3% | 6.1% | -3.7% | -14.9% | 1.2% | |
40 Strategic VIII | 9.0% | 25.1% | 20.7% | 12.9% | 11.5% | 8.7% | -2.2% | -18.7% | 1.3% | |
40 ETF 2020 | 7.7% | 14.0% | 15.8% | 9.0% | 9.0% | 7.7% | -3.4% | -8.9% | 1.8% | |
40 Index Schwab VII | 7.8% | 10.9% | 13.4% | 7.8% | 7.9% | 7.5% | -2.7% | -16.7% | 1.6% | |
American Funds Ret Inc Port - Conservative | 5.4% | 8.2% | 10.7% | 6.0% | 6.5% | 6.1% | -2.8% | -17.3% | 2.1% | |
T Rowe Price Spectrum Conservative Allocation (PRSIX) | 7.8% | 11.7% | 13.4% | 7.6% | 8.4% | 7.1% | -3.0% | -19.4% | 1.3% | |
Returns Periods | 3 mo | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr | 2018 | Worst 3 mo | 12 mo yld | |
Conservative (20-80) benchmark | 3.5% | 9.6% | 10.7% | 6.4% | 5.9% | 5.0% | 1.7% | -8.3% | 1.7% | |
20 Strategic VIII | 5.3% | 13.4% | 13.0% | 8.0% | 7.8% | 6.4% | -0.7% | -9.4% | 1.9% | |
20 ETF 2020 | 4.2% | 11.1% | 12.3% | 7.5% | 7.0% | 5.9% | -1.5% | -3.3% | 1.9% | |
20 Index Schwab VII* | 5.0% | 8.1% | 9.8% | 6.1% | 5.7% | 5.9% | -0.9% | -10.5% | 1.6% | |
Fidelity Advisor Asset Mgr 20% (FTAWX) | 4.4% | 8.3% | 9.3% | 5.4% | 5.5% | 4.4% | 2.0% | -13.7% | 1.0% | |
Returns Periods | 3 mo | 1 yr | 2 yr | 3 yr | 5 yr | 10 yr | 2018 | Worst 3 mo | 12 mo yld | |
Very Conservative (00-100) benchmark | 1.5% | 8.1% | 8.3% | 5.2% | 4.7% | 3.7% | -0.7% | -7.7% | 1.8% | |
00 Strategic VII | 1.4% | 7.6% | 7.9% | 5.1% | 4.7% | 4.0% | -0.2% | -5.5% | 2.0% | |
00 ETF 2020 | 0.8% | 7.7% | 8.3% | 5.4% | 4.5% | 3.8% | -0.1% | -3.4% | 1.8% | |
00 Index Schwab VII | 1.9% | 4.6% | 5.6% | 4.0% | 3.2% | 3.9% | 0.9% | -4.7% | 1.6% | |
American Funds Port Ser Preservation | 0.5% | 5.8% | 4.8% | 3.5% | 2.5% | 1.8% | 0.9% | -2.3% | 1.0% | |
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: "Strategic", "ETF" and "Index" models are crafted/run by Potomac Wealth Strategies. They show history of comparable or better returns and volatility 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. | ||||||||||