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We Manage To Each Client's Real Life Investment Goals Within Risk Tolerance

"The essense of investment is management of risk, not management of return"
           ... Benjamin Graham

These historical allocations between total US stocks and total US bond indexes are a valuable tool to help you evaluate your personal goals in terms of how those allocations have worked out in the for the markets in the past. The past is not the future, but knowlege of the long-term past is important to understanding some of the possibilities for the future; and to developing a realistic understanding of your return objectives in terms of the historical associated risks.

38 year stock bond allocation returns history

We manage to individual client goals and limits, not to hypothetical or institutional benchmarks. We seek client specific adequate total return and required income within tolerable risk.

We are also mindful that the most important decsion is the allocation between major asset classes, with security selection within reasonable bounds being important but of secondary importance to major asset class allocation. Therefore, we begin each client relationship, and regularly review with our clients, their comfort level with expected returns and risk levels.

The two most important asset classes, other than cash, are bonds and stocks. Therefore, we begin our portolio design process by helping our clients find their comfort level with the relationship between risk and return, by studying data like that shown in the tables above and below. They pressent several decades of return and risk results from 11 allocations between US bonds and US stocks.

stock bond allocation returns over various periods

stock bond allocation returns over past 7 calendar years

Think About Which Of These Historical Blends of Benchmark Indexes Best Relate To Your Investment Goals and Personality..



The Harder You Look, The Better We Look

Rely on us to help you evaluate, design and manage your portfolio and investment risks in a way that is appropriate for you, at a fair and affordable cost.

If you seek Quality, Value and Management in your investments and your advisors ... rely on us.
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This dynamic table will help you keep abreast of performance by general asset categories. It is updated weekly.

General Assets Categories
   Returns Through Week Beginning Nov 23, 2015
DescriptionSymbol1 Wk4 Wks13 Wks26 Wks52 Wks
Stocks: USVTI0.38%1.06%5.05%-0.61%2.93%
Stocks: DM Non-USVEA-0.34%-0.58%0.98%-7.03%-1.91%
Stocks: EMVWO-3.49%-2.44%-0.44%-17.86%-17.03%
Bonds: ST CorporateVCSH0.23%-0.04%0.63%0.27%1.27%
Bonds: IT CorporateVCIT0.02%-0.33%1.63%-0.33%1.05%
Bonds: LT CorporateVCLT-0.06%-0.41%1.25%-1.21%-1.97%

Click here to see multiple rolling year returns and calendar year returns for key asset categories.

See our weekly updated short-term tables for various stock/bond allocations: 90/10; 70/30; 50/50; 30/70 and 10/90.

Click here for allocation tables.

See other useful weekly updated returns tables: