Asset Allocation Disclaimer
Performance calculations for the sample portfolios are based on the following table:
|
Portfolio Returns
|
|
|
Large Cap
|
Mid Cap
|
Small Cap
|
International
|
Fixed Income
|
Cash
|
| 1996
|
22.4%
|
19.0%
|
16.5%
|
6.3%
|
5.5%
|
5.3%
|
| 1997
|
32.9%
|
29.0%
|
22.4%
|
2.1%
|
5.6%
|
5.5%
|
| 1998
|
27.2%
|
10.1%
|
-26.0%
|
20.3%
|
5.4%
|
5.4%
|
| 1999
|
20.2%
|
18.2%
|
21.3%%
|
27.3%
|
4.9%
|
5.0%
|
| 2000
|
–7.7%
|
8.3%
|
–3.0%
|
–14.0%
|
6.5%
|
6.2%
|
| 2001
|
–13.0%
|
–5.6%
|
–11.9%
|
–21.2%
|
4.6%
|
3.9%
|
| 2002
|
–21.7%
|
–16.2%
|
–20.5%
|
–15.6%
|
1.9%
|
1.7%
|
| 2003
|
27.5%
|
37.9%
|
47.3%
|
39.3%
|
1.1%
|
1.1%
|
| 2004
|
9.5%
|
18.4%
|
18.4
|
20.8
|
1.5%
|
1.4%
|
| 2005
|
6.2%
|
12.7%
|
4.6%
|
14.1%
|
3.1%
|
3.2%
|
|
|
Portfolio returns were generated by multiplying the percentage return for each asset by its allocation for each appropriate year, then using the ending year value to repeat the process.
- Large-Cap performance is measured by a composite of the Russell 1000® Growth Index and Russell 1000® Value Index.
- Mid-Cap performance is measured by the Russell Midcap® Index.
- Small-Cap performance is measured by the Russell 2000® Index.
- International performance is measured by the MSCI EAFE (International) Index.
- Fixed Income performance is measured by the yield on 30-year treasury bonds.
- Cash performance is measured by the Federal Funds rate.
Sources: Bloomberg Financial Markets, Frank Russell Company, Federal Reserve Bank. Past performance is not a guarantee of future results, and there is no assurance that any asset class will provide positive performance over time.
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Zecco Trading, Inc. is not a tax advisor. The Internal Revenue Service Code that governs IRAs is complex, and state tax laws regarding IRAs may differ as well. We recommend that you consult with a qualified tax advisor as you formulate your retirement planning needs.