Investment models using no load mutual funds.

 Load Funds Model Allocation Software

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The table of historical investment returns below are for the:

All Loaded Mutual Fund Model Portfolios

Note that the returns are NOT adjusted for front-end loads because they vary too much

See a fascinating table of asset class returns that show how and why the negative correlation coefficients of asset allocation work so well

Time Frames

 Conservative Model Moderately Conservative Model Moderate Model Moderately Aggressive Model Aggressive Model

DJIA

S&P 500

NASDAQ

Russell 2000

MSCI EAFE

Lehman Brothers Agg Bond
2003 12.41% 17.22% 22.08% 26.22% 27.85% 28.28% 28.68% 29.28% 47.25% 17.41% 4.11%
2004 10.83% 11.94% 13.11% 14.12% 14.46% 5.32% 10.87% 8.59% 18.33% 10.18% 4.34%
2005 7.03% 8.88% 11.28% 13.42% 13.62% 1.72% 4.91% 1.37% 4.55% 25.96% 2.43%
2006 12.11% 13.38% 15.31% 16.54% 17.20% 19.05% 15.79% 9.52% 18.37% 13.81% 4.33%
2007 9.03% -13.58% 17.05% 19.04% 19.27% 8.89% 5.49% 9.81% -1.57% 11.17% 6.97%
The Month of July '08 -2.21% -2.58% -3.18/% -3.79% -4.06% -0.84% -0.84% 1.42% 3.70% -3.21% -0.08%
2008 YTD (31 Dec '07 to 31 July '08) -1.34% -4.44% -6.87% -9.23% -10.85% -12.65% -12.65% -12.32% -6.02% -13.82% 1.04%
Last 12 Months 3.15% 1.56% -0.30% -2.56% -4.22% -11.09% -11.09% -8.67% -6.71% -12.19% 6.15%

Last 3 Years Annualized Average

 7.15% 8.26% 9.62% 9.98% 9.63% 2.85% 2.85% 2.10% 2.92% 10.50% 4.37%

Last 5 Years Annualized Average

 8.98% 10.59% 12.29% 13.30% 13.43% 7.03% 7.03% 6.03% 9.75% 15.36% 4.55%
Annual Average Since Inception (31 Dec '02 - Monthly compounding) 8.54% 10.15% 11.85% 12.99% 13.12% 8.16% 8.75% 10.44% 13.17% 16.00% 4.15%

Last 3 Years Cumulative

 23.03% 26.88% 31.74% 33.03% 31.78% 8.81% 8.81% 6.44% 9.03% 34.93% 13.71%

Last 5 Years Cumulative

 53.73% 65.43% 78.52% 86.74% 87.75% 40.44% 40.44% 34.04% 59.26% 104.26% 24.92%
Cumulative Since Inception (31 Dec '02 - Monthly compounding) 60.80% 75.81% 93.15% 105.76% 107.21% 54.97% 59.72% 74.13% 99.49% 129.03% 25.46%

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