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Composite Personal Strategy & Comparable Benchmark Returns

Types201220132014201520162017 YTD
(through 9/30)
Since Inception
(Annualized)
Aggressive 1
Composite Personal Strategy18.3%22.1%3.9%-1.5%10.8%12.7%12.6%
Comparative Benchmark15.1%20.4%4.9%-3.2%9.3%13.9%11.4%
Growth 2
Composite Personal Strategy16.9%18.0%3.2%-2.0%10.2%11.5%11.0%
Comparative Benchmark13.7%17.1%4.7%-3.0%8.4%12.6%10.1%
Moderate 3
Composite Personal Strategy15.5%14.0%2.6%-2.5%9.6%10.2%8.4%
Comparative Benchmark12.1%13.5%4.5%-2.9%7.4%11.0%7.8%
Balanced 4
Composite Personal Strategy13.5%10.2%2.2%-2.7%8.5%8.6%6.9%
Comparative Benchmark10.4%9.9%4.3%-2.8%6.4%9.5%6.4%
Conservative 5
Composite Personal Strategy11.3%7.4%2.0%-2.9%7.7%7.3%5.6%
Comparative Benchmark9.1%7.1%4.1%-2.8%5.6%8.3%5.4%
Tactical America 6
Composite Personal Strategy17.8%34.0%7.1%1.8%14.1%10.6%16.0%
Comparative Benchmark16.4%33.5%12.5%0.4%12.8%13.8%16.7%
S&P 500 Proxy ETF (SPY)16.0%32.3%13.5%1.2%12.0%14.0%16.6%

Each comparative benchmark is a mix of total return for a portfolio of exchange traded funds intended to represent a blend of five major asset classes: US Equities, International Equities, US Bonds, International Bonds and Alternatives. Asset allocations of the comparative benchmarks are similar to respective Personal Strategies and serve as a reasonable benchmark for a basic long-term diversified approach with a similar risk level. All Personal Strategy returns are net of fees. The respective blended benchmark allocations, individual strategy assignment, and associated rebalancing are characteristics of a professionally managed portfolio. As such, a hypothetical quarterly fee of 0.2075% was deducted from all comparative benchmark returns except those used for Tactical America which is a single asset class. This fee represents the average of all Personal Capital clients as of 6/30/2017.

[1] Representative Benchmark: 57.3% US Equities (VTI), 28.7% International Equities (VEU), 3.4% US Bonds (AGG), 0.6% International Bonds (IGOV), 10.0% Alternatives (equal split VNQ/IAU/DBC) [Inception Date 9/30/2011]

[2] Representative Benchmark: 50.0% US Equities (VTI), 25.0% International Equities (VEU), 12.7% US Bonds (AGG), 2.3% International Bonds (IGOV), 10.0% Alternatives (equal split VNQ/IAU/DBC) [Inception Date 9/30/2011]

[3] Representative Benchmark: 41.7% US Equities (VTI), 20.8% International Equities (VEU), 23.4% US Bonds (AGG), 4.1% International Bonds (IGOV), 10.0% Alternatives (equal split VNQ/IAU/DBC) [Inception Date 12/31/2011]

[4] Representative Benchmark: 33.3% US Equities (VTI), 16.7% International Equities (VEU), 34.0% US Bonds (AGG), 6.0% International Bonds (IGOV), 10.0% Alternatives (equal split VNQ/IAU/DBC) [Inception Date 12/31/2011]

[5] Representative Benchmark: 26.7% US Equities (VTI), 13.3% International Equities (VEU), 42.5% US Bonds (AGG), 7.5% International Bonds (IGOV), 10.0% Alternatives (equal split VNQ/IAU/DBC) [Inception Date 12/31/2011]

[6] Representative Benchmark: 100.0% US Equities (VTI) [Inception Date 9/30/2011]

VTI - Vanguard Total Stock Market ETF - The investment seeks to track the performance of a benchmark index that measures the capitalization weighted investment return of the overall US stock market.

VEU - Vanguard FTSE All-World ex-US ETF - The investment seeks to track the performance of the FTSE All-World ex US Index, which measures the investment return of stocks of companies located in developed and emerging markets outside of the United States.

AGG - iShares Barclays Aggregate Bond Fund - The Fund seeks investment results that correspond generally to the price and yield performance of the total United States investment grade bond market as defined by the Barclays Capital U.S. Aggregate Bond Index.

IGOV - iShares S&P/Citigroup Intl Trsry Bond - The Fund seeks investment results that correspond to the price and yield performance, of the S&P/Citigroup International Treasury Bond Index Ex US (the Index).

VNQ – Vanguard REIT - The fund employs an indexing investment approach designed to track the performance of the MSCI U.S. REIT Index.

IAU – iShares Gold Trust – The trust seeks to reflect generally the performance of the price of gold.

DBC – Powershares DB Commodity Index Tracking Fund - The Fund is based on the DBIQ Optimum Yield Diversified Commodity Index Excess Return Index. The Fund invests in sectors, such as light sweet crude oil (WTI), heating oil, natural gas, Brent crude, gold, silver, aluminum, zinc, copper grade A, corn, wheat, soybeans and sugar.

SPY – SPDR S&P 500 ETF Trust - The investment seeks to track the price and yield performance of the S&P 500 Index. The S&P 500 is composed of 500 selected stocks and captures roughly 80% of available U.S. market capitalization.

For each composite personal strategy, quarterly and annual figures for 2012 were calculated as an average of actual client portfolio returns within those respective strategies. Only accounts trading for the full calendar year with no material additions or withdrawals were included. For Q4, 2011, only accounts trading for the full quarter were included. For both composite personal strategies and comparative benchmarks, full year, year to date, and since inception returns are derived by linking respective quarterly returns. Past performance is not a guarantee of future return, nor is it necessarily indicative of future performance. All investments involve risk, including the potential for loss of principal. Performance is shown net of fees and reflects the reinvestment of interest and dividends. Personal Strategies generally employ investments in an array of individual securities and ETFs representing domestic equities, international equities fixed income and alternative investments such as real estate and commodities. Accounts in the composite are billed on a tiered fee schedule and larger accounts generally pay a lower overall fee rate than other accounts. Accounts with greater than ten percent individual custom restrictions resulting in greater than two percent difference in performance results were not included. Individual account performance will vary depending upon the amount of assets under management and the timing of any additions and withdrawals and may be higher or lower than the performance depicted. Performance for employee and other affiliated accounts has been recalculated to reflect full, standard fee schedules.