Objective

The Short-Term Moderate folio was developed for investors seeking income and short-term preservation of capital (within the next 4 years) with slightly higher upside potential than the Short-Term Conservative folio in return for slightly higher overall volatility.

Strategy

The Short-Term Moderate folio consists of ETFs selected to provide a diversified asset allocation for the designated risk tolerance and time frame.

Asset allocation is a diversification strategy to better enable risk management. In general, a portfolio that holds different asset classes—such as bonds, domestic, and international stocks—can help reduce the volatility of returns, since asset classes tend not to move in tandem.

Last Updated: December 2, 2016

Category: Asset Allocation
Inception Date: 2012-08-24 00:00:00.0
Date Funded: 2012-09-19*

Folio S&P 500 Total Return
One-Month -1.12% 4.75%
Three-Month -2.66% 1.09%
Year-to-Date 6.12% 9.44%
One-Year 3.89% 7.71%
Three-Year (Annualized) 3.74% 9.05%
Five-Year (Annualized) N/A 14.41%
Since Inception 3.06% N/A
Volatility 4.99% 13.86%

Past performance is no guarantee of future results.
See how returns are calculated

* Returns reflect model performance from the Inception Date to the Date Funded, and funded performance since the Date Funded, if funded. Your returns may deviate significantly from the values displayed here, due to many factors, including how long after a strategy has been updated that you place orders to update your holdings.

#SymbolCompanyWeight
(% of Folio)
1AGGishares barclays aggregate bond fund48.00%
2BIVvanguard intermediate-term bond index fu6.00%
3BSVvanguard short-term bond index fund8.00%
4DBCpowershares db commodity index tracking4.00%
5EDVvanguard extended duration treasury inde10.00%
6IWRishares russell midcap index fund4.00%
7VDEvanguard energy index fund8.00%
8VGTvanguard information technology index fu7.00%
9VTIvanguard total stock market index fund5.00%

Steps to Create This Folio

  1. We gathered data examining multiple exchange-traded funds (ETFs) according to market capitalization, the diversity of the fund’s holdings, volatility, and expense ratios as well as quarterly, annual, and lifetime returns.
  2. From this list, we applied a capital asset theory designed to achieve broad asset allocation and diversification for the folio.
  3. We then weighted each ETF in the folio based on the risk factor and time horizon targeted for this folio.

Number of Securities

There are generally 10 securities in the folio.

Update Frequency

Quarterly.

If the characteristics of the folio have changed substantially, the securities included may change. Also, corporate actions, such as a merger, or other events may cause changes to the securities held at any time. Your returns may deviate significantly from the values displayed here, due to many factors, including how long after a folio has been updated that you place orders to update your holdings.