Overview

Portfolios
Sectors
International
Yield ETFs

Sheet 1: Portfolios

Stock Portfolios

































1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 5 yr ann. 10 yr ann. Sharpe

S&P 500 Index 28.6 21.1 -9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.5 -37 26.5 0.8546% -0.8337% -0.05

Burns' Couch Potato Portfolio


-1.7 -2.2 19.7 10.4 4.3 7.95 8.55 -19.85 19.75 3.3175%


Margarita Portfolio


-7.71 -6.27 26.38 13.81 8.01 14.03 10.87 -27.75 25.25 4.5621%


Burns' Four Square Portfolio


-6.33 1 24.9 13.68 4 12.7 10.63 -20.4 20.73 4.5953%


Burns' Five Fold Portfolio


-2.58 1.56 27.06 17.1 5.58 17.18 5.2 -23.74 22.5 4.1215%


Burns' Six Ways From Sunday Port.


-2.58 1.2 28.16 20.35 12.07 17.58 10.49 -26.91 25.12 6.1499%


Money Magazine Starter Portfolio 21.32 23.16 -9.44 -11.38 -20.45 33.43 14.1 7.35 17.82 6.79 -38.29 28.98 1.9908% 0.6339% -0.05

Motley Fool ETF Portfolio



-11.62 34.25 21.01 15.73 23.22 7.74 -40.25 30.19 4.3860%


Dale Swenson (Yale) Lazy Portfolio


-3.25 -3.83 27.94 16.34 10.17 17.1 7.84 -25.23 24.69 5.5344%


Larry Swedroe Model Portfolio








4.91 -6.44 9.17



Swedroe Portfolio (Kiplinger's)









-25.13 24.08



Coffeehouse Portfolio 6.18 8.31 7.26 1.87 -5.54 23.56 13.79 6.25 15.16 2.62 -20.2 20.24 3.8771% 5.7926% -0.08

Bernstein No-Brainer Portfolio 15.86 15.02 -2.15 -5.2 -12.98 29.2 13.93 5.98 17.25 6.83 -28.18 25.1 3.8085% 3.6337% -0.06

Bernstein Smartmoney 6.04 14.21 2.59 0.07 -7.13 24.15 12.43 7.27 14.75 4.6 -24.5 24.64 4.0542% 4.9621% -0.07

Aronson Portfolio


-6.16 -6.46 29.99 14.94 11.04 12.56 9.7 -26.79 27.5 5.2768%


Rick Ferri Core Four Portfolio









-28.28 25.73



Ivy Portfolio (Faber)









-28.39 23.29



Permanent Portfolio






8.55 10.56 13.53 2.08 7.88 8.4540%


Merriman Vanguard Buy and Hold


-1.12 -3.22 25.29 13.86 8.8 15.77 8.04 -20.61 21.22 5.6606%


Merriman ETF Buy and Hold







12.6 5.84 -16.45 16.26



Bogle portfolio









-28.72 24.14



Stephen's Global ETF Portfolio








13.22 -14.84 14.74



Merriman Monthly Income 7.14 0.1 7.57 7.13 7.45 7.55 5.9 3.35 5.1 4.68 -4.05 16.8 4.9620% 6.0359% -0.19



































Vanguard Easy Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VTWSX 60% Vanguard Total World Stock Index










33.3


VBMFX 40% Vanguard Total Bond Market




4 4.2 2.4 4.3 6.9 5.1 5.9















22.34





































Burns' Couch Potato Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VTSMX 50% Vanguard Total Stock Mkt


-11 -21 31.4 12.5 6 15.5 5.5 -37 28.7


VIPSX 50% Vanguard Inf. Protected Bond


7.6 16.6 8 8.3 2.6 0.4 11.6 -2.9 10.8


Return



-1.7 -2.2 19.7 10.4 4.3 7.95 8.55 -19.95 19.75





































Burns' Margarita Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VTSMX 33% Vanguard Total Stock Market 23.3 23.8 -10.6 -11 -21 31.4 12.5 6 15.5 5.5 -37 28.7


VGTSX 33% Vanguard Total Int'l 15.6 29.9 -15.6 -20.2 -15.1 40.3 20.8 15.6 26.6 15.5 -44.1 36.7


VIPSX 34% Vanguard Inflation Protected Sec's


7.6 16.6 8 8.3 2.6 0.4 11.6 -2.9 10.8


Return



-7.71 -6.27 26.38 13.81 8.01 14.03 10.87 -27.75 25.25





































Burns' Four Square Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VTSMX 25% Vanguard Total Stock Market


-11 -21 31.4 12.5 6 15.5 5.5 -37 28.7


VIPSX 25% Vanguard Inflation Protected Sec's


7.6 16.6 8 8.3 2.6 0.4 11.6 -2.9 10.8


VGTSX 25% Vanguard Total Int'l Market


-20.2 -15.1 40.3 20.8 15.6 26.6 15.5 -44.1 36.7


BEGBX 25% American Century Int'l Bond


-1.7 23.5 19.9 13.1 -8.2 8.3 9.9 2.4 6.7


Return



-6.33 1 24.9 13.68 4 12.7 10.63 -20.4 20.73





































Burns' Five Fold Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VTSMX 20% Vanguard Total Stock Market


-11 -21 31.4 12.5 6 15.5 5.5 -37 28.7


VIPSX 20% Vanguard Inflation Protected Sec's


7.6 16.6 8 8.3 2.6 0.4 11.6 -2.9 10.8


VGTSX 20% Vanguard Total Int'l Market


-20.2 -15.1 40.3 20.8 15.6 26.6 15.5 -44.1 36.7


VGSIX 20% Vanguard REIT Index


12.4 3.8 35.7 30.8 11.9 35.1 -16.5 -37.1 29.6


BEGBX 20% American Century Int'l Bond


-1.7 23.5 19.9 13.1 -8.2 8.3 9.9 2.4 6.7


Return



-2.58 1.56 27.06 17.1 5.58 17.18 5.2 -23.74 22.5





































Burns' Six Ways From Sunday Port. 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VTSMX 16.65% Vanguard Total Stock Market


-11 -21 31.4 12.5 6 15.5 5.5 -37 28.7


VIPSX 16.65% Vanguard Inflation Protected Sec's


7.6 16.6 8 8.3 2.6 0.4 11.6 -2.9 10.8


VGTSX 16.65% Vanguard Total Int'l Market


-20.2 -15.1 40.3 20.8 15.6 26.6 15.5 -44.1 36.7


VGSIX 16.65% Vanguard REIT Index


12.4 3.8 35.7 30.8 11.9 35.1 -16.5 -37.1 29.6


BEGBX 16.65% American Century Int'l Bond


-1.7 23.5 19.9 13.1 -8.2 8.3 9.9 2.4 6.7


VGENX 16.65% Vanguard Energy


-2.6 -0.6 33.8 36.7 44.6 19.7 37 -42.9 38.4


Return



-2.58 1.2 28.16 20.35 12.07 17.58 10.49 -26.91 25.12





































Money Magazine Starter Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VFINX 65% Vanguard S&P 500 Index 28.6 21.1 -9.1 -12 -22.2 28.5 10.7 4.8 15.6 5.4 -37 26.5


NAESX 15% Vanguard Smallcap Index -2.6 23.1 -2.7 3.1 -20 45.6 19.9 7.4 15.7 1.2 -36.1 36.1


VGTSX 20% Vanguard Total Int'l 15.6 29.9 -15.6 -20.2 -15.1 40.3 20.8 15.6 26.6 15.5 -44.1 36.7


Return
21.32 23.16 -9.44 -11.38 -20.45 33.43 14.1 7.35 17.82 6.79 -38.29 29.98





































Motley Fool ETF Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


SPY 25% Ishares S&P 500

-9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.14 -37.22 26.31


IYR 25% Ishares DJ US Real Estate



3.46 35.37 30.15 8.94 34.91 -17.99 -39.85 30.46


EFA 25% Ishares EAFE Index



-15.41 39.8 18.96 13.34 25.81 9.97 -41.04 26.88


IGE 25% Ishares Natural Resources



-13 33.63 24.24 35.79 16.3 33.82 -42.88 37.1


Return




-11.62 34.25 21.01 15.73 23.22 7.74 -40.25 30.19





































Dale Swenson (Yale) Lazy Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VIPSX 15% Vanguard Inflation Protected Sec's


7.6 16.6 8 8.3 2.6 0.4 11.6 -2.9 10.8


VUSTX 15% Vanguard Long Term Treasury


4.3 16.7 2.7 7.1 6.6 1.7 9.2 22.6 -12.1


VGSIX 15% Vanguard REIT -16.3 -4 26.4 12.4 3.8 35.7 30.8 11.9 35.1 -16.5 -37.1 29.6


VTSMX 30% Vanguard Total Market Index


-11 -21 31.4 12.5 6 15.5 5.5 -37 28.7


VDMIX 15% Vanguard Dev. Markets Index


-22 -15.7 38.6 20.3 13.3 26.2 11 -41.6 28.2


VEIEX 10% Vanguard Emerging Markets ETF


-2.9 -7.4 57.7 26.1 32.1 29.4 38.9 -52.8 76


Return (portfolio changed in 2009)


-3.25 -3.83 27.94 16.34 10.17 17.1 7.84 -25.23 24.69





































Larry Swedroe Model Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


SHY 70% Ishares short term treasury (1-3yr)




1.86 0.66 1.53 3.89 7.35 6.61 0.36


IJS 15% Ishares s&P 600 small cap value



-14.01 39.47 22.57 6.01 19.35 -5.58 -29.39 22.36


DLS 15% International small cap value








4 -44.4 37.09


Return









4.91 -6.44 9.17





































Swedroe Portfolio (Kiplinger's) 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VIVAX 15% Vanguard Large Value 14.6 12.6 6.1 -11.9 -20.9 32.3 15.3 7.1 22.2 0.1 -36 19.6


VISVX 15% Vanguard smallcap value -12.47 3.4 21.9 13.7 -14.2 37.2 23.6 6.1 19.2 -7.1 -32.1 30.3


EFV 13% EAFE value







30.33 4.16 -41.66 28.28


SCZ 13% EAFE smallcap









-47.9 42.78


VEIEX 4% Vanguard emerging markets -18.1 61.6 -27.6 -2.9 -7.4 57.7 26.1 32.1 29.4 38.9 -52.8 76


VIPSX 40% Vanguard inflation protected bonds


7.6 16.6 8 8.3 2.6 0.4 11.6 -2.9 10.8


Return










-25.13 24.08





































Coffeehouse Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VBMFX 40% Vanguard Total Bond Market 8.58 -0.76 11.39 8.4 8.3 4 4.2 2.4 4.3 6.9 5.1 5.9


VGSIX 10% Vanguard REIT -16.3 -4 26.4 12.4 3.8 35.7 30.8 11.9 35.1 -16.5 -37.1 29.6


VFINX 10% Vanguard 500 Index 28.6 21.1 -9.1 -12 -22.2 28.5 10.7 4.8 15.6 5.4 -37 26.5


VIVAX 10% Vanguard Value Index 14.6 12.6 6.1 -11.9 -20.9 32.3 15.3 7.1 22.2 0.1 -36 19.6


NAESX 10% Vanguard Smallcap Index -2.6 23.1 -2.7 3.1 -20 45.6 19.9 7.4 15.7 1.2 -36.1 36.1


VISVX 10% Vanguard Smallcap Value Index -12.47 3.4 21.9 13.7 -14.2 37.2 23.6 6.1 19.2 -7.1 -32.1 30.3


VGTSX 10% Vanguard Total Int'l Index 15.6 29.9 -15.6 -20.2 -15.1 40.3 20.8 15.6 26.6 15.5 -44.1 36.7


Return
6.18 8.31 7.26 1.87 -5.54 23.56 13.79 6.25 15.16 2.62 -20.2 20.24





































Berstein No-Brainer Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VBMFX 25% Vanguard Total Bond Market 8.58 -0.76 11.39 8.4 8.3 4 4.2 2.4 4.3 6.9 5.1 5.9


VFINX 25% Vanguard 500 Index 28.6 21.1 -9.1 -12 -22.2 28.5 10.7 4.8 15.6 5.4 -37 26.5


NAESX 25% Vanguard Smallcap Index -2.6 23.1 -2.7 3.1 -20 45.6 19.9 7.4 15.7 1.2 -36.1 36.1


VEURX Vanguard Euro Stock Index 28.86 16.62 -8.18 -20.3 -18 38.7 20.9 9.3 33.4 13.8 -44.7 31.9


Return
15.86 15.02 -2.15 -5.2 -12.98 29.2 13.93 5.98 17.25 6.83 -28.18 25.1





































Bernstein Smartmoney 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VFSTX 40% Vanguard short term inv. Grade 6.57 3.3 8.17 8.1 5.2 4.2 2.1 2.2 5 5.9 -4.7 14


VTSMX 15% Vanguard Total Stock Market 23.26 23.81 -10.57 -11 -21 31.4 12.5 6 15.5 5.5 -37 28.7


VIVAX 10% Value Index 14.6 12.6 6.1 -11.9 -20.9 32.3 15.3 7.1 22.2 0.1 -36 19.6


NAESX 5% Vanguard Smallcap Index -2.6 23.1 -2.7 3.1 -20 45.6 19.9 7.4 15.7 1.2 -36.1 36.1


VISVX 10% Vanguard Small Cap Value -12.47 3.4 21.9 13.7 -14.2 37.2 23.6 6.1 19.2 -7.1 -32.1 30.3


VGSIX 5% Vanguard REIT -16.3 -4 26.4 12.4 3.8 35.7 30.8 11.9 35.1 -16.5 -37.1 29.6


VEURX 5% Vanguard European Stock 28.86 16.62 -8.18 -20.3 -18 38.7 20.9 9.3 33.4 13.8 -44.7 31.9


VPACX 5% Vanguard Pacific Stock 2.41 57.05 -25.74 -26.3 -9.3 38.4 18.8 22.6 12 4.8 -34.4 21.2


VEIEX 5% Vanguard Emerging Markets -18.1 61.6 -27.6 -2.9 -7.4 57.7 26.1 32.1 29.4 38.9 -52.8 76


Return
6.04 14.21 2.59 0.07 -7.13 24.15 12.43 7.27 14.75 4.6 -24.5 24.64





































Aronson Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VWEHX 5% Vanguard High Yield Corp. 5.62 2.55 -0.88 2.9 1.7 17.2 8.5 2.8 8.2 2 -21.2 39.1


VIPSX 15% Vanguard Inflation Prot. Securities


7.6 16.6 8 8.3 2.6 0.4 11.6 -2.9 10.8


VUSTX 10% Vanguard Long Term U.S. Treasury 13.05 -8.66 19.72 4.3 16.7 2.7 7.1 6.6 1.7 9.2 22.6 -12.1


VFINX 15% Vanguard 500 28.6 21.1 -9.1 -12 -22.2 28.5 10.7 4.8 15.6 5.4 -37 26.5


VTSMX 5% Vanguard Total Stock Market


-11 -21 31.4 12.5 6 15.5 5.5 -37 28.7


VEXMX 10% Vanguard Extended Market


-9.2 -18.1 43.4 18.7 10.3 14.3 4.3 -38.7 37.4


VISGX 5% Vanguard Small Cap Growth
19.8 1.6 -0.8 -15.4 42.9 16.1 8.6 12,0 9.6 -40 41.9


VISVX 5% Vanguard Small Cap Value
3.4 21.9 13.7 -14.2 37.2 23.6 6.1 19.2 -7.1 -32.1 30.3


VEIEX 10% Vanguard Emerging Markets -18.1 61.6 -27.6 -2.9 -7.4 57.7 26.1 32.1 29.4 38.9 -52.8 76


VEURX 5% Vanguard European Stock


-20.3 -18 38.7 20.9 9.3 33.4 13.8 -44.7 31.9


VPACX 15% Vanguard Pacific Stock


-26.3 -9.3 38.4 18.8 22.6 12 4.8 -34.4 21.2


Return



-6.16 -6.46 29.99 14.94 11.04 12.56 9.7 -26.79 27.5





































Rick Ferri Core Four Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VTSMX 36% Vanguard Total Stock Market 23.3 23.8 -10.6 -11 -21 31.4 12.5 6 15.5 5.5 -37 28.7


VFWIX 18% Vanguard FTSE All World Ex-US









-44.1 38.7


VGSIX 6% Vanguard REIT -16.3 -4 26.4 12.4 3.8 35.7 30.8 11.9 35.1 -16.5 -37.1 29.6


VBMFX 40% Vanguard Total Bond Market 8.58 -0.76 11.39 8.4 8.3 4 4.2 2.4 4.3 6.9 5.1 5.9


Return










-28.28 25.73





































Ivy Portfolio (Faber) 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VTI 20% Vanguard Total Market ETF



-20.58 30.89 12.79 6.29 15.68 5.36 -36.7 28.89


VEU 20% International Vanguard all-world









-43.5 37.61


VNQ 20% Vanguard REIT Index






11.95 35.25 -16.5 -36.9 30.07


BND 20% Vanguard Total Bond Market









6.88 3.67


DBC 20% Powershare DB Commodity Index








31.5 -31.73 16.19


Return (note: no timing used)









-28.39 23.29





































Permanent Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VTI Vanguard Total Market ETF



-20.58 30.89 12.79 6.29 15.68 5.36 -36.7 28.89


TLT Ishares Lehman 20+ Treasury Bond




1.6 8.72 8.61 0.72 10.3 33.5 -21.75


SHY Ishares Lehman 1-3 yr Treasuries




1.86 0.66 1.53 3.89 7.35 6.61 0.36


GLD Ishares Gold






17.76 21.95 31.1 4.92 24.03


Return







8.55 10.56 13.53 2.08 7.88





































Merriman Vanguard Buy and Hold 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VFINX 6% S&P 500 28.6 21.1 -9.1 -12 -22.2 28.5 10.7 4.8 15.6 5.4 -37 26.5


VIVAX 6% Value Index 14.6 12.6 6.1 -11.9 -20.9 32.3 15.3 7.1 22.2 0.1 -36 19.6


NAESX 6% Small Cap index -2.6 23.1 -2.7 3.1 -20 45.6 19.9 7.4 15.7 1.2 -36.1 36.1


VISVX 6% Small Cap value -12.47 3.4 21.9 13.7 -14.2 37.2 23.6 6.1 19.2 -7.1 -32.1 30.3


VGSIX 6% REIT index -16.3 -4 26.4 12.4 3.8 35.7 30.8 11.9 35.1 -16.5 -37.1 29.6


VDMIX 12% Developed Markets Index

-7.78 -22 -15.7 38.6 20.3 13.3 26.2 11 -41.6 28.2


VTRIX 12% International Value 19.5 21.8 -7.4 -14.1 -13.4 41.9 19.8 18 27.4 12.7 -41.7 33.8


VEIEX 6% Emerging Markets Index -18.1 61.6 -27.6 -2.9 -7.4 57.7 26.1 32.1 29.4 38.9 -52.8 76


VFITX 20% Intermediate treasuries 10.6 -3.5 14 7.6 14.2 2.4 3.4 2.3 3.1 10 13.4 -1.7


VFISX 12% Short term treasuries 7.4 1.9 8.8 7.8 8 2.4 1 1.8 3.8 7.9 6.7 1.4


VIPSX 8% inflation protected securities


7.6 16.6 8 8.3 2.6 0.4 11.6 -2.9 10.8


Return CHANGE FOR 2010


-1.12 -3.22 25.29 13.86 8.8 15.77 8.04 -20.61 21.22





































Merriman ETF Buy and Hold 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


SPY 6.75% S&P 500

-9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.14 -37.2 26.31


VTV 6.75% Vanguard value viper






7.22 22.38 -0.11 -35.8 19.88


IWC 6.75% Ishares russel microcap







14.89 -9 -39 23.72


VBR 6.75% vanguard smallcap value






6.09 19.49 -6.93 -32.2 30.97


VNQ 3% Vanguard REIT index






11.95 35.25 -16.5 -36.9 30.07


EFA 5.4% Ishares EAFE



-15.41 39.8 18.96 13.34 25.81 9.97 -41 26.88


EFV 5.4% Ishares EAFE value







30.34 4.25 -41.7 28.28


SCZ 5.4% Ishares EAFE Small Cap









-48.6 42.78


DLS 5.4% Wis Tree int'l smallcap div








4 -44.4 37.09


VWO 5.4% Vanguard emerging mkt







29.38 37.29 -52.5 76.29


WPS 3% Ishares S&P World Ex US Property









-50.5 37.27


IEF 20% Ishares Lehman 7-10 yr




2.1 4.13 2.64 2.52 10.38 17.5 -6.56


SHY 12% Ishares Lehman 1-3 yr




1.86 0.66 1.53 3.89 7.35 6.61 0.36


TIP 8% Ishares Lehman TIPS





8.28 2.5 0.28 11.93 -0.5 8.95


Return (portfolio changed in 2008 and 2010)







11.57 5.68 -16.29 16.26





































Bogle portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


IVV 48% S&P 500


-11.94 -21.55 28 10.79 4.87 16.35 4.93 -37 26.61


IWM 16% Russell 2000 small cap


1.78 -20.37 47.58 18.05 4.46 18.27 -1.75 -34.2 28.53


VEU 16% International Vanguard all-world









-43.5 37.61


BIV 20% Vanguard Interm. bond









7.38 3.93


Return










-28.72 24.14





































Stephen's Global ETF Portfolio


2001 2002 2003 2004 2005 2006 2007 2008 2009


RXI 6% Ishares Global Consumer Disc.








-3.74 -39.3 37.45


KXI 6% Ishares Global Consumer Staples








18.88 -22.6 21.72


IXC 6% Ishares Global Energy



-5.81 30.12 26.48 29.49 20.99 29.8 -36.8 24.71


IXG 6% Ishares Global Financials



-16.99 39.19 16.3 11.62 24.81 -8.64 -54.1 31.74


IXJ 6% Ishares Global Healthcare



-17.93 18.83 3.98 6.82 10.88 3.38 -20.8 17.54


EXI 6% Ishares Global Industrials








14.08 -41.47 25.93


MXI 6% Ishares Global Materials








37.66 -48.6 60.38


IXN 6% Ishares Global Technology



-38.26 47.18 2.82 3.43 9.81 12.57 -42.9 52.44


JXI 6% Ishares Global Utilities








22.46 -29.2 6.22


IXP 6% Ishares Global Telecom



-27.64 25.62 18.96 -6.71 33.23 24.71 -30.84 11.28


IEF 40% Ishares 7-10 year Treasury




2.09 4.12 2.65 2.53 10.38 17.9 -6.56


Return




-6.4 10.49 5.76 3.74 7 13.22 -14.84 14.74





































Merriman Montly Income Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009


VFSTX 25% Vanguard short term inv. Grade 6.57 3.3 8.17 8.1 5.2 4.2 2.1 2.2 5 5.9 -4.7 14


VFIIX 25% Vanguard GNMA 7.14 0.78 11.22 7.9 9.7 2.5 4.1 3.3 4.3 7 7.3 5.3


VWEHX 25% Vanguard High Yield Corporate 5.62 2.55 -0.88 2.9 1.7 17.2 8.5 2.8 8.2 2 -21.2 39.1


VWESX 25% Vanguard L/T Corporate Bond 9.21 -6.23 11.76 9.6 13.2 6.3 8.9 5.1 2.9 3.8 2.4 8.8


Return
7.14 0.1 7.57 7.13 7.45 7.55 5.9 3.35 5.1 4.68 -4.05 16.8


Sheet 2: Sectors

Domestic Broad Market 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

S&P 500 Index -9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.5 -37 26.5
RSP Rydex S&P 500 Equal Weight



16.47 7.43 15.43 0.89 -40.03 44.59

Ishares equal wt. Sector average

-21.71 28.8 14.42 6.89 16.62 10.61 -38.36
IWB Ishares Russell 1000

-22.27 29.57 10.97 6.34 15.42 5.31 -37.39 28.39
DIA Dow Jones Industrial Avg.

-14.69 27.83 4.79 1.6 18.91 8.78 -32.09 22.72
QQQQ Nasdaq 100

-37.37 49.67 10.51 1.66 7.05 19.13 -41.72 54.67
VTV Vanguard Value ETF




7.24 22.32 -0.12 -35.84 19.88
IWD Ishares Russell 1000 value

-15.18 29.51 16.11 6.64 22.48 -0.73 -36.45 19.23
PRF Powershares RAFI 1000





19.01 1.69 -39.97 41.74
IWV Ishares Russell 3000

-21.59 30.62 11.69 6.08 15.66 4.56 -37.14 28.29
VTI Vanguard total market

-20.57 30.87 12.77 6.33 15.66 5.36 -36.97 28.89













Domestic Small Cap 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IWM Ishars Russell 2000

-20.34 47.56 18.04 4.46 18.26 -1.76 -34.15 28.53
IJR Ishares S&P smallcap 600

-14.29 38.49 22.39 7.54 15.08 -0.48 -31.52 25.88
IWN Ishares Russell 2000 value

-11.89 45.94 22.09 4.37 23.47 -10.31 -28.72 20.59
IJS Ishares S&P smallcap 600 value

-14.01 39.47 22.57 6.01 19.35 -5.58 -29.39 22.36
VXF Vanguard Extended Market ETF

-17.71 43.73 18.3 10.51 14.24 4.45 -38.7 37.9
IWC Ishares Russell Microcap Index





14.89 -9.01 -39.01 23.72













Foreign Broad Market 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
EFA Ishares EAFE index

-15.41 39.8 18.96 13.34 25.81 9.97 -41.04 26.88
EFV Ishares EAFE Value





30.33 4.15 -41.65 28.28
VEA Vanguard Europe Pac. ETF







-40.62 27.52
VGTSX Vanguard Total Int'l Fund
-20.2 -15.1 40.3 20.8 15.6 26.6 15.5 -44.1 36.7
VGK Vanguard European Stock





32.91 13.23 -44.85 31.33
VPL Vanguard Pacific Stock





11.54 4.45 -34.09 20.35
VEU Vanguard All World Ex US







-43.5 37.61













Foreign Small Cap 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
DLS Wisdomtree Int'l smallcap






3.98 -44.37 37.09
GWX SPDR S&P Int' smallcap







-44.85 38.3
SCZ Ishares MCSI EAFE smallcap







-48.55 42.78
VSS Vanguard All World Ex US SC








58.92













Emerging Market 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
EEM Ishares Emerging Markets



24.61 32.63 31.4 33.11 -48.86 68.82
VWO Vanguard Emerging Markets





29.2 37.32 -52.47 76.29
PXH Powershares RAFI Emerging Mkts







-45.28 67.02
BKF Ishares MCSI BRIC Index







-57.25 85.39













Yield ETFs 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
DVY Ishares DOW Select Dividend



17.88 2.82 19.44 -5.68 -32.79 11.15
SDY SPDR S&P Dividend ETF





17.72 -6.7 -22.7 19.04
IDV Ishares EPAC Select Dividend







-51.99 60.56













Fixed Income 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
AGG Ishares Barclays Aggregate Bond



3.79 2.28 3.91 6.61 7.9 3.01
BND Vanguard Total Bond Market







6.88 3.67
TIP Ishares Barclays TIPS bond



8.29 2.52 0.29 11.93 -0.53 8.95
WIP SPDR Int'l inflation protected bond








17.14
BIL SPDR 1 to 3 mo. T bill







1.59 0.27
SHY Ishares 1-3 year Treasury


1.86 0.66 1.53 3.89 7.35 6.61 0.36
IEF Ishares 7-10 year Treasury


2.09 4.12 2.65 2.53 10.38 17.9 -6.56
TLT Ishares 20+ year Treasury


1.63 8.71 8.61 0.73 10.3 33.91 -21.75
BWZ SPDR Short Term Intl Treasury









LQD Ishares Inv. Grade Corp. Bond



5.73 1.19 4.24 3.76 2.44 8.58
HYG Ishares High Yield Corp. Bond







-17.4 28.86

























Strategy ETFs 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
DBV Powershares G10 Currency Hvst






8.98 -28.3 21.22
RYMFX Rydex Managed Futures Strategy







8.5 -4.3
LSC Elements S&P CTI ETN








-12.84
SDS Proshares Ultrashort S&P 500






-3.65 61.36 -50.59

























Consumer Staples 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IYK Ishares DJ US Consumer Goods
1.63 -5.46 20.63 11.99 1.52 14.31 9.17 -26.02 23.22
KXI S&P Global Consumer Staples






18.86 -22.55 21.72

























Consumer Discretionary 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IYC Ishares US Consumer Services

-24.9 33.03 10.72 -2.33 13.8 -7.7 -30.56 32.63
RXI S&P Global Consumer Discretionary






-3.83 -39.24 37.45

























Commodity 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
GSG Ishares Commodity Index






31.62 -45.75 11.22
IGE Ishares GS Natural Resources

-13.54 33.39 24.4 35.98 16.41 33.47 -42.89 37.1
GLD Streetracks Gold ETF




17.76 21.95 31.1 4.92 24.03
DBC Powershares DB Commodity Index






31.5 -31.73 16.19

























Energy 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IYE Ishares DJ Energy
-12.12 -16.06 27.6 31.74 34.67 20.14 35.75 -37.24 19.28
IXC Ishares Global Energy

-5.8 30.14 26.47 29.47 20.99 29.8 -36.79 24.71

























Financial 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IYF Ishares DJ US Financial
-6.25 -13.86 31.51 13.01 5.72 18.74 -18.1 -50.25 16.86
IXG Ishares S&G Global Financials

-16.98 39.28 16.31 11.6 24.83 -8.78 -53.99 31.74

























Health Care 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IYH Ishares DJ US Healthcare
-13.31 -21.29 18.35 4.22 7.66 6.16 8.01 -22.9 20.96
IXJ Ishares Global S&P Healthcare

-17.93 18.85 3.99 6.81 10.88 3.3 -20.75 17.54

























Information Technology 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IGM Ishares GS Technology

-40.74 52.63 2.6 1.52 8.69 16.11 -43.46 62.42
IXN Ishares S&P Global Technology


-38.3 47.18 3.43 9.8 12.5 -42.85 52.44

























Industrials 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IYJ Ishares DJ US Industrials
-10.03 -25.34 32.36 16.34 4.05 13.89 12.32 -50.25 25.81
EXI Ishares S&P Global Industrials






14.1 -41.47 25.93

























Materials 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IYM Ishares DJ Materials
-0.28 -8.99 34.79 12.24 4.13 17.06 32.17 -50.71 3.76
MXI Ishares Global Basic Materials






37.66 -48.54 60.38

























REIT 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IYR Ishares DJ US Real Estate

3.47 35.34 30.07 8.96 34.89 -18.14 -39.82 30.46
WPS Ishares Developed Ex-US







-50.48 37.27
RWR Streetracks DJ Wilshire

2.66 35.52 32.45 13.1 35.53 -18.2 -38.71 28.24
VNQ Vanguard REIT Viper




11.95 35.29 -16.5 -36.91 30.07

























Telecom 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IYZ Ishares DJ Telecom
-18.19 -38.58 13.02 18.28 -2.58 32.57 1.68 -42.02 26.22
IXP Ishares Global Telecom

-27.68 25.68 18.96 -6.71 33.23 24.77 -30.84 11.28

























Utility 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
IDU Ishares US Utility
-25.87 -21.92 24.08 23.07 14.54 20.79 16.7 -30.16 12.31
JXI Ishares Global Utilities






22.46 -28.15 6.22

Sheet 3: International


2000 2001 2002 2003 2004 2005 2006 2007

S&P 500 Index -9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.5





















World funds/ETFs 2000 2001 2002 2003 2004 2005 2006 2007
VGTSX Vanguard Total Int'l Fund
-20.2 -15.1 40.3 20.8 15.6 26.6 15.5
VEU Vanguard World Ex-US






*
CWI SPDR MSCI ACWI ex-US






*
GWL SPDR S&P World Ex-US






*
VT Vanguard Total World ETF




























Broad International Developed 2000 2001 2002 2003 2004 2005 2006 2007
EFA Ishares EAFE index

-15.41 39.8 18.96 13.34 25.81 9.97
VEA Vanguard Europe Pac. ETF







DWM Wisdomtree EAFE






13.9
EFV Ishares EAFE Value




























Emerging Markets 2000 2001 2002 2003 2004 2005 2006 2007
EEM Ishares Emerging Markets



24.64 32.62 31.44 33.08
VWO Vanguard Emerging Markets





29.53 37.29
GMM SPDR S&P Emerging Markets






*
BKF Ishares MCSI BRIC Index






*

Powershares RAFI EEM






































International Small cap 2000 2001 2002 2003 2004 2005 2006 2007
DLS Wisdomtree Int'l smallcap






4
GWX SPDR S&P Int' smallcap






*
SCZ Ishares MCSI EAFE smallcap






*
IFSM FTSE Developed sc ex-US






*

Sheet 4: Yield ETFs


2000 2001 2002 2003 2004 2005 2006 2007

S&P 500 Index -9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.5





















Dividend ETFs 2000 2001 2002 2003 2004 2005 2006 2007
DVY Ishares DOW Select Dividend



17.93 2.81 19.44 -5.67
SDY SPDR S&P Dividend ETF





17.73 -6.74
DWX SPDR S&P Int'l Dividend






*
IDV DJ EPAC Select Dividend






*





















Bond ETFs 2000 2001 2002 2003 2004 2005 2006 2007
AGG Lehman aggregate bond



3.79 2.28 3.91 6.61
BND Vanguard total bond market Vbmfx






BSV Vanguard short term bond







BIV Vanguard intermediate bond







BLV Vanguard long term bond







EDV Vanguard ext duration treas.







IEF



















Short treas








Med treas








Long treas








Investment grade








Junk








Muni