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NestEggs Balanced Portfolio Vanguard LifeStrategy Moderate

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Presentation on theme: "NestEggs Balanced Portfolio Vanguard LifeStrategy Moderate"— Presentation transcript:

1 NestEggs Balanced Portfolio Vanguard LifeStrategy Moderate
vs. Vanguard LifeStrategy Moderate

2 Hypothetical Performance Analysis
This section is intended to show hypothetical performance for each portfolio along with a custom benchmark (if included). This hypothetical performance is for illustrative purposes only and may not reflect the actual performance that would have beem experienced. It should NOT be used to represent the actual returns realized by a client since timing and cash flows are not considered. For this hypothetical calculation, annual rebalancing is assumed. If an underlying investment does not have the required performance history, its allocation is excluded from that particular month(s) calculation. Please view the detailed calculation methodology on the following page for more details. Past performance is no guarantee of future results. Hypothetical Performance as of 6/30/2017 (%) 1-Month Month Year Year Year Year Return Std. Dev Return Std. Dev Return Std. Dev Return Std. Dev Return Std. Dev Return Std. Dev. NestEggs' Balanced Portfolio 0.65 1.55 Vanguard Moderate 0.43 2.94 Hypothetical Calendar Year Performance (%) 2012 2013 2014 2015 2016 NestEggs' Balanced Portfolio 12.49 10.94 5.56 -0.64 8.82 Vanguard Moderate 11.74 15.03 7.06 -0.55 7.08 Hypothetical Growth of a $10,000 investment from 6/30/2007 to 6/30/2017 Analysis, search process, and layout are © , fi360, Inc. ( All rights reserved. The analysis and opinions generated by fi360: (1) do not constitute professional investment advice; (2) are provided solely for informational purposes; (3) are not warranted or represented to be corr complete, or accurate; and (4) are for the exclusive use of subscribers to fi360. The data source is © 2017 Morningstar, Inc. All rights reserved. The data contained herein: (1) is proprietary to Morningstar, Inc and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to b accurate, complete or timely. Neither Morningstar, Inc nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. fi360_Proposal_v8_1 | Report created on July 25, 2017 Fund data as of 6/30/2017

3 Hypothetical Performance Analysis Calculation Methodology
The performance of the custom benchmark is not an exact representation of any particular investment, as you cannot invest directly in the indicies that are used in the calculations. Investors should consider the investment objectives, risks, and charges and expenses of a fund carefully before investing. Prospectuses containing this and other information about the fund are available by contacting your financial consultant. Please read the prospectus carefully before investing to make sure that the fund is appropriate for your goals and risk tolerance. The performance information shown represents past performance and is not a guarantee of future results. The investment return and principal value of an investment will fluctuate so that the shares, when redeemed, may be worth more or less than their original cost. The performance information shown reflects performance without adjusting for sales charges. If adjusted for sales charges, the load would reduce the performance quoted. Current performance may be lower or higher than the performance information shown. For performance data current to the most recent month-end, please reference the Investment Company Contact Information section. 1. NestEggs' Balanced Portfolio and Vanguard Moderate performance are calculated as follows :(a)Starting ten years ago, a weighted average return is calculated for each month based upon the respective investment asset allocations shown in this proposal; (b)Each portfolio is rebalanced annually to the original allocations; and (c) If an investment does not have a full 10yr return history, the weighted average return for those month(s) is calculated excluding that investment’s allocation. Once the investment has return history, it will be included in all calculations from that point forward. (Reference the list below for any investments that fall into this category.) 2. Custom benchmark performance (if included) is calculated as follows: (a)Starting ten years ago, a weighted average return is calculated for each month based upon the benchmark asset allocation shown below; (b) If more than one index is included, the benchmark asset allocation is rebalanced annually to the original allocations; and (c) If an index does not have a full 10yr return history, the weighted average return for those month(s) is calculated excluding that indices allocation. Once the index has return history, it will be included in all calculations from that point forward. (Reference the list below for any indices that fall into this category.) Investments which do not have a full 10-year return history. Their monthly performance began to be included on the dates shown below. DFA Global Real Estate Securities Port 07/31/ NestEggs' Balanced Portfolio DFA Investment Grade I 04/30/ NestEggs' Balanced Portfolio Analysis, search process, and layout are © , fi360, Inc. ( All rights reserved. The analysis and opinions generated by fi360: (1) do not constitute professional investment advice; (2) are provided solely for informational purposes; (3) are not warranted or represented to be corr complete, or accurate; and (4) are for the exclusive use of subscribers to fi360. The data source is © 2017 Morningstar, Inc. All rights reserved. The data contained herein: (1) is proprietary to Morningstar, Inc and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to b accurate, complete or timely. Neither Morningstar, Inc nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. fi360_Proposal_v8_1 | Report created on July 25, 2017 Fund data as of 6/30/2017

4 NestEggs Growth Portfolio Vanguard LifeStrategy Growth
vs. Vanguard LifeStrategy Growth

5 Hypothetical Performance Analysis
This section is intended to show hypothetical performance for each portfolio along with a custom benchmark (if included). This hypothetical performance is for illustrative purposes only and may not reflect the actual performance that would have beem experienced. It should NOT be used to represent the actual returns realized by a client since timing and cash flows are not considered. For this hypothetical calculation, annual rebalancing is assumed. If an underlying investment does not have the required performance history, its allocation is excluded from that particular month(s) calculation. Please view the detailed calculation methodology on the following page for more details. Past performance is no guarantee of future results. Hypothetical Performance as of 6/30/2017 (%) 1-Month Month Year Year Year Year Return Std. Dev Return Std. Dev Return Std. Dev Return Std. Dev Return Std. Dev Return Std. Dev. NestEggs' Growth Portfolio 1.24 1.69 Vanguard Growth Portfolio 0.60 3.53 Hypothetical Calendar Year Performance (%) 2012 2013 2014 2015 2016 NestEggs' Growth Portfolio 17.14 19.49 5.03 -2.30 13.54 Vanguard Growth Portfolio 14.36 21.14 7.17 -1.17 8.29 Hypothetical Growth of a $10,000 investment from 6/30/2007 to 6/30/2017 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 •O' Analysis, search process, and layout are © , fi360, Inc. ( All rights reserved. The analysis and opinions generated by fi360: (1) do not constitute professional investment advice; (2) are provided solely for informational purposes; (3) are not warranted or represented to be corr complete, or accurate; and (4) are for the exclusive use of subscribers to fi360. The data source is © 2017 Morningstar, Inc. All rights reserved. The data contained herein: (1) is proprietary to Morningstar, Inc and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to b accurate, complete or timely. Neither Morningstar, Inc nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. fi360_Proposal_v8_1 | Report created on July 25, 2017 Fund data as of 6/30/2017

6 Hypothetical Performance Analysis Calculation Methodology
The performance of the custom benchmark is not an exact representation of any particular investment, as you cannot invest directly in the indicies that are used in the calculations. Investors should consider the investment objectives, risks, and charges and expenses of a fund carefully before investing. Prospectuses containing this and other information about the fund are available by contacting your financial consultant. Please read the prospectus carefully before investing to make sure that the fund is appropriate for your goals and risk tolerance. The performance information shown represents past performance and is not a guarantee of future results. The investment return and principal value of an investment will fluctuate so that the shares, when redeemed, may be worth more or less than their original cost. The performance information shown reflects performance without adjusting for sales charges. If adjusted for sales charges, the load would reduce the performance quoted. Current performance may be lower or higher than the performance information shown. For performance data current to the most recent month-end, please reference the Investment Company Contact Information section. 1. NestEggs' Growth Portfolio and Vanguard Growth Portfolio performance are calculated as follows :(a)Starting ten years ago, a weighted average return is calculated for each month based upon the respective investment asset allocations shown in this proposal; (b)Each portfolio is rebalanced annually to the original allocations; and (c) If an investment does not have a full 10yr return history, the weighted average return for those month(s) is calculated excluding that investment’s allocation. Once the investment has return history, it will be included in all calculations from that point forward. (Reference the list below for any investments that fall into this category.) 2. Custom benchmark performance (if included) is calculated as follows: (a)Starting ten years ago, a weighted average return is calculated for each month based upon the benchmark asset allocation shown below; (b) If more than one index is included, the benchmark asset allocation is rebalanced annually to the original allocations; and (c) If an index does not have a full 10yr return history, the weighted average return for those month(s) is calculated excluding that indices allocation. Once the index has return history, it will be included in all calculations from that point forward. (Reference the list below for any indices that fall into this category.) Investments which do not have a full 10-year return history. Their monthly performance began to be included on the dates shown below. DFA Global Real Estate Securities Port 07/31/ NestEggs' Growth Portfolio DFA Investment Grade I 04/30/ NestEggs' Growth Portfolio Analysis, search process, and layout are © , fi360, Inc. ( All rights reserved. The analysis and opinions generated by fi360: (1) do not constitute professional investment advice; (2) are provided solely for informational purposes; (3) are not warranted or represented to be corr complete, or accurate; and (4) are for the exclusive use of subscribers to fi360. The data source is © 2017 Morningstar, Inc. All rights reserved. The data contained herein: (1) is proprietary to Morningstar, Inc and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to b accurate, complete or timely. Neither Morningstar, Inc nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. fi360_Proposal_v8_1 | Report created on July 25, 2017 Fund data as of 6/30/2017

7 NestEggs Growth Portfolio
vs. Vanguard Index 500 Fund

8 Hypothetical Performance Analysis
This section is intended to show hypothetical performance for each portfolio along with a custom benchmark (if included). This hypothetical performance is for illustrative purposes only and may not reflect the actual performance that would have beem experienced. It should NOT be used to represent the actual returns realized by a client since timing and cash flows are not considered. For this hypothetical calculation, annual rebalancing is assumed. If an underlying investment does not have the required performance history, its allocation is excluded from that particular month(s) calculation. Please view the detailed calculation methodology on the following page for more details. Past performance is no guarantee of future results. Hypothetical Performance as of 6/30/2017 (%) 1-Month Month Year Year Year Year Return Std. Dev Return Std. Dev Return Std. Dev Return Std. Dev Return Std. Dev Return Std. Dev. NestEggs' Growth Portfolio 1.24 1.69 Vanguard Index 500 0.61 3.06 Hypothetical Calendar Year Performance (%) 2012 2013 2014 2015 2016 NestEggs' Growth Portfolio 17.14 19.49 5.03 -2.30 13.54 Vanguard Index 500 15.94 32.31 13.62 1.36 11.89 Hypothetical Growth of a $10,000 investment from 6/30/2007 to 6/30/2017 Analysis, search process, and layout are © , fi360, Inc. ( All rights reserved. The analysis and opinions generated by fi360: (1) do not constitute professional investment advice; (2) are provided solely for informational purposes; (3) are not warranted or represented to be corr complete, or accurate; and (4) are for the exclusive use of subscribers to fi360. The data source is © 2017 Morningstar, Inc. All rights reserved. The data contained herein: (1) is proprietary to Morningstar, Inc and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to b accurate, complete or timely. Neither Morningstar, Inc nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. fi360_Proposal_v8_1 | Report created on July 25, 2017 Fund data as of 6/30/2017

9

10 Hypothetical Performance Analysis Calculation Methodology
The performance of the custom benchmark is not an exact representation of any particular investment, as you cannot invest directly in the indicies that are used in the calculations. Investors should consider the investment objectives, risks, and charges and expenses of a fund carefully before investing. Prospectuses containing this and other information about the fund are available by contacting your financial consultant. Please read the prospectus carefully before investing to make sure that the fund is appropriate for your goals and risk tolerance. The performance information shown represents past performance and is not a guarantee of future results. The investment return and principal value of an investment will fluctuate so that the shares, when redeemed, may be worth more or less than their original cost. The performance information shown reflects performance without adjusting for sales charges. If adjusted for sales charges, the load would reduce the performance quoted. Current performance may be lower or higher than the performance information shown. For performance data current to the most recent month-end, please reference the Investment Company Contact Information section. 1. NestEggs' Growth Portfolio and Vanguard Index 500 performance are calculated as follows:(a)Starting ten years ago, a weighted average return is calculated for each month based upon the respective investment asset allocations shown in this proposal; (b)Each portfolio is rebalanced annually to the original allocations; and (c) If an investment does not have a full 10yr return history, the weighted average return for those month(s) is calculated excluding that investment’s allocation. Once the investment has return history, it will be included in all calculations from that point forward. (Reference the list below for any investments that fall into this category.) 2. Custom benchmark performance (if included) is calculated as follows: (a)Starting ten years ago, a weighted average return is calculated for each month based upon the benchmark asset allocation shown below; (b) If more than one index is included, the benchmark asset allocation is rebalanced annually to the original allocations; and (c) If an index does not have a full 10yr return history, the weighted average return for those month(s) is calculated excluding that indices allocation. Once the index has return history, it will be included in all calculations from that point forward. (Reference the list below for any indices that fall into this category.) Investments which do not have a full 10-year return history. Their monthly performance began to be included on the dates shown below. DFA Global Real Estate Securities Port 07/31/ NestEggs' Growth Portfolio DFA Investment Grade I 04/30/ NestEggs' Growth Portfolio Analysis, search process, and layout are © , fi360, Inc. ( All rights reserved. The analysis and opinions generated by fi360: (1) do not constitute professional investment advice; (2) are provided solely for informational purposes; (3) are not warranted or represented to be corr complete, or accurate; and (4) are for the exclusive use of subscribers to fi360. The data source is © 2017 Morningstar, Inc. All rights reserved. The data contained herein: (1) is proprietary to Morningstar, Inc and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to b accurate, complete or timely. Neither Morningstar, Inc nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. fi360_Proposal_v8_1 | Report created on July 25, 2017 Fund data as of 6/30/2017

11 The Randomness of Returns
SC: EC06 Global Diversification Randomness of Returns The Randomness of Returns Annual Return (%) 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Highest Return 7.6 62.6 34.2 34.0 36.0 39.4 8.8 78.5 28.1 9.4 20.1 38.8 32.0 5.8 31.7 5.1 60.2 33.2 25.5 32.1 8.2 6.6 53.3 26.9 3.4 18.2 34.5 13.7 4.5 21.3 3.6 55.8 29.9 21.1 30.0 7.5 4.7 51.4 24.9 2.3 18.1 32.5 13.5 1.5 17.3 47.3 25.6 15.1 27.9 6.3 -28.9 37.6 24.5 2.1 32.4 4.9 1.4 12.0 2.2 46.6 25.0 13.8 23.5 5.9 -33.8 28.5 21.2 0.6 17.9 28.3 4.2 1.0 11.2 -6.2 46.0 22.2 7.0 5.5 -36.8 27.2 18.9 0.4 17.5 26.0 1.9 0.9 8.4 -7.1 36.2 18.3 19.8 -37.0 26.5 15.5 -4.2 17.1 1.2 0.2 8.1 -11.4 16.5 18.4 2.5 -39.2 20.6 -5.5 16.3 -3.8 6.7 -15.5 28.7 10.9 4.6 15.8 -0.2 -43.9 19.7 5.4 -11.1 16.0 -2.2 -4.4 -15.6 2.0 2.7 3.1 4.3 -1.6 -45.6 3.7 0.3 -4.9 -7.2 -20.5 1.3 2.4 4.1 -9.8 -47.8 0.8 -16.4 -0.1 -5.0 -7.5 Lowest Return -22.1 3.8 -17.6 -53.3 -18.4 -2.6 -5.4 -14.9 US Large Cap US Large Cap Value US Small Cap US Small Cap Value US Real Estate International Large Cap Value International Small Cap International Small Cap Value Emerging Markets One-Year US Fixed Five-Year US Government Fixed Five-Year Global Fixed Talking Points: This example features annual performance of major asset classes in the US, international, and emerging markets over the most recent 15-year period. • The top chart ranks the annual returns (from highest to lowest) using the colors that correspond to the asset classes. • The bottom chart displays annual performance by asset class. In both US and non-US markets, there is little predictability in asset class performance from one year to the next. Studying the annual data in the slide reveals no obvious pattern in returns that can be exploited for excess profits, strengthening the case for broad diversification across many asset classes. In US dollars. US Large Cap is the S&P 500 Index, provided by Standard & Poor’s Index Services Group. US Large Cap Value is the Russell 1000 Value Index. US Small Cap is the Russell 2000 Index. US Small Cap Value is the Russell 2000 Value Index. Frank Russell Company is the source and owner of the trademarks, service marks, and copyrights related to the Russell Indexes. US Real Estate is the Dow Jones US Select REIT Index, provided by Dow Jones indices. International Large Cap Value is the MSCI World ex USA Value Index (gross dividends). International Small Cap is the MSCI World ex USA Small Cap Index (gross dividends). International Small Cap Value is the MSCI World ex USA Small Cap Value Index (gross dividends). Emerging Markets is the MSCI Emerging Markets Index (gross dividends). MSCI data copyright MSCI 2017, all rights reserved. One-Year US Fixed is the BofA Merrill Lynch One-Year US Treasury Note Index, used with permission; copyright 2017 Merrill Lynch, Pierce, Fenner & Smith Incorporated; all rights reserved. Merrill Lynch, Pierce, Fenner & Smith Incorporated is a wholly owned subsidiary of Bank of America Corporation. Five-Year US Government Fixed is the Bloomberg Barclays Treasury Bond Index 1–5 Years. Bloomberg Barclays data provided by Bloomberg. Five-Year Global Fixed is the Citi World Government Bond Index 1–5 Years (hedged), copyright 2017 by Citigroup. Indexes are not available for direct investment. Index performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is not a guarantee of future results.


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