info@eztracker401k.

com | 201-503-6445

May 31, 2020

401K PORTFOLIO JUNE 2020

UPDATE & NEWSLETTER
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* Sun Country * United * UPS

T AKE C ONTROL OF YOUR FUTURE

1
 See Page 4 for EZT 401k
Comparison to Target Date Funds
June 2020 Newsletter
Equity indices continued their torrid recovery from the pandemic related panic that struck in March. Since
the March 23 low, the S&P is up 36%. Looking back, the decision to stay the course and not make any
radical changes in our model portfolios has proven to be the best course of action. That was a difficult
decision on our part - everything taken into account - but we chose to take the long-term view and in this
case, we believed that the pandemic was an extraordinary event, not a crisis created by any fundamental
weakness or fragility. As always, EZTracker model portfolios follow a long-term investment horizon, and our
goal is to deliver superior results over time, not just measured by one week, one month or one year.

Two months ago, around the time that markets were at the local bottom, our portfolio changes included
reducing international and overweighing domestic growth sectors, which moves have proven to be positive.
EZTracker model portfolios continue to be well balanced for a continued recovery so there are no changes
for this month. There are changes, however, in brokerage portfolios. Please see page 5 for more details.

News of economic
openings in Europe
Soft earnings Rising US-China and additional fiscal
Upbeat chatter from AAPL Chinese economic tensions coupled stimulus in EU and
and AMZN data better than with a $32B T-Note Japan
about a COVID-19
expected, and action at a record
remedy, strong
investors focused low yield of 0.70%
GOOGL earnings
on slowing pace of
and strength in oil
newly unemployed
workers

Positive
reports on
COVID
Vaccine
testing results

What is Behind Equities’ Continued Strength?

In the face of another 2.1 million unemployment filings this week, bringing the number of jobs claimed by
the pandemic to over 40 million, the S&P rallied - gaining 2.7% this week and 6% this month, cutting the
total year-to-date loss to just 5.8%, which is the same level the S&P was last Halloween just 7 months ago.
With unemployment at Great Depression levels, why is the stock market so resilient?
• Consumer confidence rose this month to 86.6 this month from 85.7 in April;
• There is evidence that the economy is showing signs of life, re-opening after months of lockdowns,
providing hope that consumer spending recovers more quickly than feared to power a recovery;
• The Fed took unprecedented action to bolster the economy and prop-up the financial markets. In
addition to lowering S/T rates to zero and cutting bank reserve requirements, it again implemented
asset-purchase programs (quantitative easing ”QE”). Today’s QE is far more expansive than the programs
first adopted in 2008 in the amount of money to be spent and the types of assets that can be purchased.
• Close to 90% of those laid off said they believed their jobs loss to be temporary.
The above reasons are NOT to say that the markets are out of the woods just yet. The markets are still
vulnerable to further declines from corporate profit warnings, dividend cuts and corporate insolvencies.
Moreover, red flag stumbling blocks include US-China relations, which turned worse over China’s
enforcement clampdown over Hong Kong and Trump’s vowing to punish China for the Coronavirus.
2
What We’re Watching
Sentiment: According to a TMF Group survey of 300 US executive decision-makers, 2/3 expect the American
economy will recover from the recession within one year and nearly three-quarters of those high-level execs are
very or somewhat confi dent in the US economy despite the pandemic.   The survey included a wide range
industries, from technology and fi nance to manufacturing and retail.
Sixty-one percent of executives surveyed said the financial support to workers and businesses had a very
positive or somewhat positive effect on their companies. To wit, Congress and the White House enacted a
record-breaking stimulus package that provides cash to American households and small businesses, as well as
bailouts to the airline industry. The Federal Reserve, meanwhile, slashed interest rates to zero, promised to buy
an unlimited amount of bonds and rolled out a series of emergency facilities that unfroze capital markets. This
unprecedented firepower unleashed by the federal government in response to the economic collapse is one
reason for continued optimism.
Employment: The Labor Department reported Thursday that more than 2.1  million laid-off workers
applied for unemployment last week as the pandemic and ensuing lockdown continued to wreak havoc on the
jobs market. The new report, which covers W/E May 23, pushes the 10-week total job losses since mid-March
to close to 40  million, an unemployment rate unseen since the Great Depression.  Although it's the tenth
straight week that layoffs were counted in the millions  —  this week was the lowest number of jobless claims
since prior to the lockdown. Continuing claims, or Americans who have been receiving benefi ts for at least two
weeks, dropped to 21.05 million, down about 3.86 million from the previous week's total -- a sign that some
Americans are starting to return to work.
Sector Analysis: . All eleven S&P sectors gained over this last month, led by Communication Svcs (+7.44%),
Technology (+7.18%), and Materials (+6.88%). The top two sectors have segments that continue to benefi t
from social distancing. The lowest performing sector was Consumer Staples (+1.66%) and Energy (+2.00%).

Index Analysis: For the fi rst time since March, some sectors are in the green YTD. All growth indices are
positive, with Large Cap and Mid Cap growth leading the way. Value indices remain behind.

2020 YTD Index Performance: Returns (%) 2020 YTD Sector Performance: Returns (%)
10%
7.4%

-14.9% -9.5% 9.2% 0.5% 1.0% 1.7%

LARGE CAP 0%
-33.9% -23.3% -16.3% -9.7% -9.1% -6.7% -5.4%

-10%
MID CAP
-24.9% -19.5% 8.0%

-20%

-30%
SMALL CAP -27.5% -26.35% 0.12%

-40% Sector SPDRs

Energy

Financial Svcs

Industrials

Real Estate

Materials

Utilities

Cons Staples

Cons Disc.

Comm Svcs

Healthcare

Technology

VALUE BLEND GROWTH

Morningstar Sector SPDRs

Help Hotline: We help new subscribers get started, and current subscribers get back on track.
Text or call 201.503.6445 | contact@eztracker401k.com
3
Overall Market and Model Portfolio Performance
YEAR TO DATE CHART
The chart below shows the YTD performance of the S&P 500. It is evident that the rebound since the low on
March 23 has almost brought the equity markets back to the same level as January 1. We at EZTracker take
the long view, knowing it is impossible to perfectly hit the peaks and the valleys, and feel comfortable that
staying the course and not panic selling has been the right decision.

Periodically, we compare the performance of EZTracker model portfolios to the alternatives such as target
date retirement funds, Morningstar risk benchmarks, S&P and the DJII. The chart below shows how the
EZTracker model portfolios have performed in comparison for YTD 2020.

EZTracker
Through May 31, 2020 YTD 2020
Outperformance
EZTracker Aggressive (95% stocks/5% bonds target) -1.9% -
EZTracker Moderate (70% stocks/30% bonds target) -0.2% -
EZTracker Conservative (40% stocks/60% bonds target) 1.5% -
Morningstar Benchmarks YTD 2020 EZT Outperformance
Aggressive Target Risk Index (95% stocks/5% bonds) -10.8% +9.0%
Moderate Target Risk Index (70% stocks/30% bonds) -6.1% +5.9%
Conservative Target Risk Index (40% stocks/60% bonds) -0.9% +2.4%
Target Date Funds YTD 2020 EZT Outperformance
Vanguard Target Retire Trust Plus Income (29% stocks/71% bonds) 0.2%
Vanguard Target Retire Trust Plus 2015 (45% stocks/55% bonds) -0.7% +2.2%
Vanguard Target Retire Trust Plus 2020 (54% stocks/46% bonds) -2.4%
Vanguard Target Retire Trust Plus 2025 (62% stocks/46% bonds) -3.5%
Vanguard Target Retire Trust Plus 2030 (70% stocks/30% bonds) -4.6% +4.4%
Vanguard Target Retire Trust Plus 2035 (78% stocks/22% bonds) -5.6%
Vanguard Target Retire Trust Plus 2040 (84% stocks/16% bonds) -6.6%
Vanguard Target Retire Trust Plus 2045 (88% stocks/12% bonds) -7.6%
Sector SPDRs
Vanguard Target Retire Trust Plus 2050 (88% stocks/12% bonds) -7.6%
Vanguard Target Retire Trust Plus 2055 (88% stocks/12% bonds) -7.6%
Vanguard Target Retire Trust Plus 2060 (88% stocks/12% bonds)
Morningstar -7.6% Sector SPDRs
Vanguard Target Retire Trust Plus 2065 (88% stocks/12% bonds) -7.6% +5.8%
Traditional Indices YTD 2020 EZT Outperformance
Dow Jones Industrial Average (100% US 30 stocks/0% bonds) -11.1% +9.2%
S&P 500 Index (100% US 500 stocks/0% bonds) -5.8% +3.9%
4
3
Model Portfolios | June 2020 Newsletter
EZTracker provides four model portfolios for JetBlue Airlines employees; Aggressive, Moderate, Conservative
& Brokerage. Each is designed for different investment needs and styles, as well as level of risk.

STEP 1: Update Current Investments

Current Subscribers: New Subscribers:

Rebalance your 401k using the chart below for the portfolio
Aggressive, Moderate & Conservative Portfolios:
you want to follow. For detailed directions on making
There are NO CHANGES this month. portfolio changes see page 9. If you need assistance, text
or call our free help hotline at 201.503.6445.
New Followers Brokerage Portfolio: Set up your
PCRA account. For a copy of the Schwab brochure or
help, call 888-393 7272.
Brokerage Portfolio/PRCA:
Sell Consumer Staples Select Sector SPDR (XLP). With
proceeds of sale, Buy iShares Nasdaq Biotechnology
ETF (IBB).

EZTracker Model Portfolios Symbol Aggressive Moderate Conservative Brokerage/ Buy Date **
Vanguard Institutional Index Instl Plus VIIIX 39% 33% 20% PCRA 3/30/20
T. Rowe Price Small/Mid Cap Growth 16% 11% 7% 3/30/20

T. Rowe Price Blue Chip Growth Trust T4 TRBCX 41% 30% 18% 3/30/20

Vanguard Total Bond Market Index Inst VBTIX 4% 13% 28% 3/30/20

Vanguard Federal Money Market Inv VMFXX 13% 27% 3/30/20

SPDR S&P 500 ETF Trust SPY 41% 2/24/20
Technology Select Sector SPDR XLK 11% 11/25/19
Vanguard Mid-Cap Growth ETF VOT 5% 4/27/20
iShares Core U.S. Aggregate Bond ETF AGG 5% 11/25/19
Communications Services Select Sector XLC 10% 11/25/19
SPDR
iShares Nasdaq Biotechnology ETF IBB 9% 06/01/20
iShares Russell 1000 Growth ETF IWF 19% 3/30/20
100% 100% 100% 100%

**Based on our Newsletter most recent “Buy” dates. Your dates may be different
Your individual percentages may vary somewhat from those indicated above due to rounding, timing of purchases, and performance every month
(In many cases even though there may be no changes for a particular month you may notice a small change, due to performance/rounding).

The EZTracker Brokerage Portfolio is a very aggressive approach for investors who want to invest in a wider
range of market sectors and choices. Managing this portfolio will require more time and greater comfort with
risk than the other EZTracker portfolios. We suggest this portfolio for more experienced, knowledgeable
investors. See the Brokerage Portfolio ETF Data in the appendix section for a list of ETFs in this portfolio.

STEP 2: Update Future Investment Elections

For the Aggressive, Moderate and Conservative Portfolios:
Future contribution percentages should be set identical to your current portfolio (grid above).
For the Brokerage/PCRA Portfolio: Set your future contributions to go to the Schwab Sweep Account. When new funds
are purchased in the portfolio, add your accumulated cash to the new funds.

Questions or problems, call Empower at 1-844-728-3258

5
Model Portfolios | June 2020 Newsletter
All the model portfolios consist of core holdings representing major market segments, plus top performers based on current
market conditions. Some market conditions may cause us to deviate from the following indicative percentages.
Aggressive Portfolio:
95-100% invested in equities. This is a high risk/high reward portfolio.

Moderate Portfolio:
70% invested in equities and 30% invested in bonds or the money market fund.

Conservative Portfolio:
40% invested in equities and 60% invested in bonds or the money market fund.

Brokerage Portfolio:
Aggressive: 95-100% invested in equities through the Brokerage Link and an
expanded list of Schwab ETF’s. This is a high risk/high reward portfolio.

Which
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thinking about your ability and comfort with risk, check out the short risk quiz provided by our friends at Friedenthal Financial:
retirement you envision. We’ve arranged for advisors at Friedenthal Financial to do a COMPLIMENTARY RISK ASSESSMENT for you. Or, you can take this Risk Tolerance
Quiz.
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Performance
The EZTracker methodology used for JetBlue Airlines is the same methodology (investing in the best performing funds) we’ve used since
we began publishing in 2002. It has consistently delivered superior long-term results. While past performance is no guarantee of future
results, our past performance validates this long-term investing philosophy. 3-Yr Total Returns vs Morningstar Benchmarks
40.00%
JetBlue Morningstar
Current Performance MTD YTD
3-Year
Through May 31, 2020 May * 2020
33.9%
EZTracker Aggressive 9.14% -1.86% 33.87% 30.00%
EZTracker Moderate 6.85% -0.20% 26.47%
26.5% 26.5%
EZTracker Conservative 4.12% 1.48% 17.69%
EZTracker Brokerage 7.81% -3.33% 26.48% 20.00%

Morningstar Benchmarks 17.7%

Aggressive Target Risk Index 8.68% -10.84% 11.81% 14.6% 14.4%

10.00% 11.8% 11.8%
Moderate Target Risk Index 5.75% -4.30% 14.58%

Conservative Target Risk Index 2.49% 1.54% 14.41%

S&P 500 7.32% -5.77% 26.22% 0.00%
Aggressive Moderate Conservative Brokerage
* Performance since last newsletter

Morningstar Target Risk Index Historical Performance

The Morningstar Target Risk Index series serve as benchmarks
Any investment strategy should be measured one way: Results over time.
to help with investment selections. They cover a global set of
Not one-week, one-month, not even one-year. While past performance is
stocks, bonds and commodities. While not investable indices,
not a guarantee of future performance, our record has been excellent in
they represent challenging benchmarks for long-term
delivering long-term returns. As with any long-term investing strategy, you
investing plans such as the EZTracker model portfolios.
should not expect dramatic short-term results to offset past losses.

Annual % Total Returns

EZTracker Model Portfolios 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
EZTracker Aggressive 12.67 8.44 -14.09 31.03 19.41 -7.52 7.98 30.16 6.72 -0.44 10.98 19.21 -1.69 22.71
EZTracker Moderate 10.77 6.72 -9.35 22.67 12.80 -1.34 6.51 20.02 5.44 -0.32 7.01 14.92 -1.40 17.12
EZTracker Conservative 6.61 6.09 -5.99 15.04 9.80 -0.12 5.29 10.94 4.88 0.67 5.01 9.48 -1.13 10.84
EZTracker Expanded -6.37 38.88 11.41 -5.40 12.54 33.13 9.40 1.56 5.50 24.07 -7.73 25.70
Morningstar Benchmarks 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Aggressive Target Risk Index 32.00 16.75 -3.60 16.07 24.53 5.23 -2.67 11.34 21.95 -8.17 25.79
Moderate Target Risk Index 21.77 12.33 0.59 12.04 14.31 4.89 -1.79 8.57 14.66 -4.76 18.88
Conservative Target Risk Index 9.56 7.07 4.38 7.36 2.97 3.38 -0.92 4.67 7.00 -1.20 11.00

All data for the model portfolios and the market indices are based on total returns which include reinvestment of dividends.
See the EZTracker website (www.eztracker401k.com) for historical data for all model portfolios.
6
Monthly Fund Data
This chart represents the funds in the JetBlue 401k plan at Empower which are used for
the EZTracker Aggressive, Moderate and Conservative Portfolios.

Fund Total Tracker

Fund YTD
Symbol Returns Average
1 MO 3 MO 6 MO 12 MO
T. Rowe Price Blue Chip Growth Trust T4 TRBCX 6.80% 10.88% 9.01% 21.92% 6.67% 26.52%
T. Rowe Price Small/Mid Cap Growth JETBLUE 8.91% 4.18% -2.72% 10.15% -4.65% 11.20%
Vanguard Institutional Index Instl Plus 1
VIIIX 4.76% 3.61% -2.10% 12.84% -4.96% 10.42%
Vanguard Total Bond Market Index Inst VBTIX 0.55% 1.67% 5.47% 9.47% 5.61% 9.35%
Prudential Core Bond Fund 7 TPCAX 1.14% 0.21% 3.92% 7.83% 3.97% 7.15%
Vanguard Target Retire Trust Plus Income VITRX 1.94% 0.82% 1.19% 7.19% 0.16% 6.08%
Vanguard Target Retire Trust Plus 2015 VITVX 2.19% 0.71% 0.54% 7.27% -0.70% 5.84%
Vanguard Target Retire Trust Plus 2020 VITWX 2.84% 0.64% -0.72% 7.26% -2.41% 5.47%
Vanguard Target Retire Trust Plus 2025 VRIVX 3.29% 0.51% -1.60% 7.25% -3.52% 5.16%
Vanguard Target Retire Trust Plus 2030 VTTWX 3.59% 0.38% -2.42% 7.03% -4.58% 4.68%
Vanguard Target Retire Trust Plus 2035 VITFX 3.97% 0.29% -3.17% 6.81% -5.57% 4.31%
Vanguard Target Retire Trust Plus 2040 VIRSX 4.32% 0.12% -3.98% 6.48% -6.61% 3.78%
Vanguard Target Retire Trust Plus 2060 VILVX 4.68% 0.04% -4.71% 6.20% -7.55% 3.39%
Vanguard Target Retire Trust Plus 2055 VIVLX 4.69% 0.04% -4.73% 6.13% -7.56% 3.34%
Vanguard Target Retire Trust Plus 2045 VITLX 4.67% 0.00% -4.76% 6.10% -7.60% 3.28%
Vanguard Target Retire Trust Plus 2050 VTRLX 4.67% 0.00% -4.78% 6.11% -7.59% 3.27%
Vanguard Target Retire Trust Plus 2065 VLXVX 4.67% -0.05% -4.87% 6.00% -7.65% 3.13%
Vanguard Extended Market Index. Inst. VIEIX 8.81% -0.84% -7.28% 3.88% -9.24% 2.49%
Vanguard Federal Money Market Inv VMFXX 0.00% 0.17% 0.54% 1.60% 0.41% 1.26%

Vanguard Developed Markets Index Inst. VTMNX 5.64% -3.90% -10.66% -1.89% -13.67% -5.89%
Wellington CIF II International Opportunities Series ACWX 4.59% -5.40% -11.20% -3.54% -14.72% -8.48%
1 JETBLUE
T. Rowe Price Small/Mid Cap Value 4.02% -6.78% -14.34% -5.50% -17.15% -12.33%
T. Rowe Price Equity Income Trust A 2
PRFDX 2.88% -7.23% -16.86% -5.89% -19.23% -14.79%

7
Brokerage Portfolio PCRA ETF Data | Part I
The EZTracker Brokerage Portfolio is constructed using top performing ETF’s from a wide range of ETFs (Bonds, Index Funds,
Large, Mid and Small Caps, Sector Funds, International Funds and Emerging Markets.
AVG AVG
Symbol Name 1 Mo 3 Mo 6 Mo 12 Mo YTD EZT Avg Value Volume Expense
(MM) (K)
VIXY ProShares VIX Short-Term Futures ETF -12.13% 44.90% 101.48% 8.90% 119.63% 78.08% 186 5,471 0.85
SIL Global X Silver Miners ETF 16.72% 32.83% 23.29% 59.44% 9.01% 72.15% 14 467 0.66
GDX VanEck Vectors Gold Miners ETF 6.39% 30.89% 27.60% 60.05% 17.21% 68.15% 1,632 59,650 0.53
ARKW ARK Next Generation Internet ETF 14.31% 18.95% 33.62% 57.79% 30.39% 68.00% 19 299 0.75
ARKK ARK Innovation ETF 13.54% 18.89% 25.03% 54.81% 25.51% 61.24% 43 862 0.75
XSD SPDR S&P Semiconductor ETF 7.77% 12.57% 9.98% 46.61% 1.45% 41.96% 10 110 0.35
IBB iShares Nasdaq Biotechnology ETF 8.66% 18.38% 12.73% 35.10% 11.87% 40.84% 454 3,872 0.47
SKYY First Trust Cloud Computing ETF 13.03% 19.16% 15.96% 26.09% 17.19% 40.50% 47 789 0.60
IGV iShares Expanded Tech-Software Sector 10.96% 14.60% 15.87% 30.37% 15.35% 39.16% 233 1,021 0.46
IYW iShares US Technology ETF 7.53% 11.77% 13.23% 38.38% 8.71% 38.68% 49 225 0.42
QQQ Invesco QQQ Trust Series 1 6.60% 13.63% 14.27% 35.30% 9.99% 38.07% 13,166 65,578 0.20
XLK Technology Select Sector SPDR Fund 7.18% 11.45% 12.08% 38.36% 7.44% 37.67% 1,772 21,133 0.13
XBI SPDR S&P Biotech ETF 10.89% 16.12% 10.58% 30.37% 8.88% 37.07% 731 8,483 0.35
FBT First Trust NYSE Arca Biotechnology Index 9.23% 15.13% 12.62% 28.92% 11.22% 35.95% 19 132 0.56
EDV Vanguard Extended Duration Treasury ETF -3.23% 7.00% 21.94% 34.65% 27.76% 32.93% 79 474 0.07
TAN Invesco Solar ETF 12.08% -7.43% 20.97% 31.90% 9.61% 31.38% 12 399 0.70
MGK Vanguard Mega Cap Growth ETF 6.46% 10.34% 10.52% 29.31% 7.06% 30.89% 81 596 0.07
IWY iShares Russell Top 200 Growth ETF 5.93% 10.62% 9.53% 28.26% 5.91% 29.64% 23 251 0.20
VUG Vanguard Growth ETF 7.06% 10.14% 9.40% 27.13% 6.24% 29.31% 280 1,683 0.04
SCHG Schwab U.S. Large-Cap Growth ETF 7.08% 9.87% 8.41% 26.71% 5.51% 28.40% 70 831 0.04
VONG Vanguard Russell 1000 Growth ETF 6.68% 10.35% 8.35% 26.06% 5.18% 28.06% 33 201 0.08
IWF iShares Russell 1000 Growth ETF 6.68% 10.06% 8.12% 25.75% 5.08% 27.60% 396 2,477 0.19
TLT iShares 20+ Year Treasury Bond ETF -1.76% 5.77% 17.58% 26.65% 21.61% 26.31% 2,447 15,024 0.15
SPTL SPDR Portfolio Long Term Treasury ETF -1.64% 5.98% 17.50% 26.32% 21.48% 26.27% 57 1,218 0.06
VGLT Vanguard Long-Term Treasury ETF -1.73% 5.60% 17.26% 26.15% 20.97% 25.79% 57 575 0.05
TLH iShares 10-20 Year Treasury Bond ETF -0.43% 5.67% 14.78% 20.48% 17.23% 22.09% 32 193 0.15
IWP iShares Russell Mid-Cap Growth ETF 9.91% 8.08% 2.72% 16.59% 1.52% 20.34% 85 646 0.24
VOT Vanguard Mid-Cap Growth ETF 9.71% 7.90% 3.67% 15.44% 1.57% 20.03% 39 289 0.07
FV First Trust Dorsey Wright Focus 5 ETF 8.38% 7.93% 4.31% 13.68% 1.78% 18.71% 14 525 0.89
VCR Vanguard Consumer Discretionary ETF 7.28% 7.50% 3.53% 15.29% 0.55% 18.33% 24 151 0.10
XLC Communication Services Select Sector 7.44% 6.72% 3.29% 15.83% 1.01% 18.15% 251 5,370 0.13
ITB iShares U.S. Home Construction ETF 18.43% -0.12% -4.65% 19.51% -2.39% 18.09% 134 3,779 0.42
BLV Vanguard Long-Term Bond ETF 0.58% 1.95% 9.97% 20.51% 11.41% 18.01% 92 875 0.05
XLG Invesco S&P 500 Top 50 ETF 3.88% 6.85% 2.26% 18.81% -0.65% 17.35% 18 86 0.20
XLY Consumer Discretionary Select Sector 6.51% 7.74% 2.25% 13.63% -0.50% 16.43% 676 6,334 0.13
SPHQ Invesco S&P 500 Quality ETF 5.21% 7.13% 0.69% 15.88% -2.68% 15.77% 37 1,179 0.15
VBK Vanguard Small-Cap Growth ETF 10.84% 5.19% -0.76% 12.31% -2.23% 15.04% 68 425 0.07
MTUM iShares Edge MSCI USA Momentum 5.87% 4.61% 2.43% 14.03% 0.73% 14.69% 164 1,435 0.15
OEF iShares S&P 100 ETF 4.19% 5.26% 0.11% 16.40% -2.95% 14.16% 150 1,234 0.20
VOX Vanguard Communication Services ETF 6.92% 4.70% 1.65% 12.62% -0.58% 14.12% 30 377 0.10
MGC Vanguard Mega Cap ETF 4.69% 4.48% -0.59% 15.04% -3.38% 12.88% 27 281 0.07
QUAL iShares Edge MSCI USA Quality Factor 5.62% 5.07% -1.64% 14.04% -4.35% 12.59% 230 2,669 0.15
GSLC Goldman Sachs ActiveBeta U.S. Large Cap 5.42% 3.77% -1.28% 14.00% -3.74% 11.95% 37 678 0.09
FTCS First Trust Capital Strength ETF 6.04% 4.88% -1.20% 11.68% -2.80% 11.67% 49 939 0.64
BIV Vanguard Intermediate-Term Bond ETF 1.38% 2.22% 6.69% 11.08% 7.01% 11.66% 135 1,510 0.05
VV Vanguard Large-Cap ETF 5.16% 3.87% -1.58% 13.37% -4.33% 11.36% 98 802 0.04
LQD iShares iBoxx $ Investment Grade 2.46% 0.65% 4.79% 12.85% 4.49% 11.32% 2,476 19,754 0.15
VCLT Vanguard Long-Term Corporate Bond ETF 2.05% -1.31% 4.05% 15.94% 4.17% 11.31% 99 1,010 0.05
XHB SPDR S&P Homebuilders ETF 16.92% -0.76% -7.60% 11.16% -6.98% 10.75% 103 2,944 0.35
GBF iShares Government/Credit Bond ETF 0.68% 1.87% 6.09% 10.63% 6.52% 10.50% 6 53 0.20
IVV iShares Core S&P 500 ETF 4.82% 3.77% -2.22% 12.68% -5.00% 10.39% 2,528 9,330 0.04
SCHX Schwab US Large-Cap ETF 5.10% 3.26% -2.14% 12.74% -4.78% 10.34% 206 3,181 0.03
SPLB SPDR Portfolio Long Term Corporate Bond 1.43% -1.89% 3.85% 15.47% 3.87% 10.29% 28 940 0.07
SPY SPDR S&P 500 ETF Trust 4.76% 3.35% -2.11% 12.84% -4.87% 10.28% 45,660 169,187 0.09
VOO Vanguard S&P 500 ETF 4.74% 3.41% -2.18% 12.78% -5.00% 10.22% 2,054 8,310 0.03
SPLG SPDR Portfolio S&P 500 ETF 4.75% 3.34% -2.16% 12.65% -4.88% 10.13% 181 5,635 0.03
IGLB iShares Long-Term Corporate Bond ETF 1.87% -2.20% 3.71% 15.03% 3.65% 10.05% 29 448 0.06
FIXD First Trust TCW Opportunistic Fixed 0.98% 2.01% 5.61% 9.66% 5.68% 9.96% 41 767 0.55
SCHZ Schwab U.S. Aggregate Bond ETF 0.59% 2.10% 5.71% 9.81% 5.94% 9.94% 67 1,226 0.04

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Brokerage Portfolio PCRA ETF Data | Part II
AVG AVG
Symbol Name 1 Mo 3 Mo 6 Mo 12 Mo YTD EZT Avg Value Volume Expense
(MM) (K)
IWB iShares Russell 1000 ETF 5.16% 3.14% -2.40% 12.23% -5.06% 9.89% 230 1,537 0.15
AGG iShares Core U.S. Aggregate Bond ETF 0.67% 1.86% 5.53% 9.37% 5.77% 9.51% 1,008 8,757 0.04

SPIP SPDR Portfolio TIPS ETF 0.79% 1.97% 5.76% 8.46% 5.18% 9.26% 23 779 0.12

VCIT Vanguard Intermediate-Term Corporate 2.68% 0.13% 4.00% 9.80% 3.74% 9.06% 365 4,089 0.05
SCHB Schwab US Broad Market ETF 5.36% 2.82% -3.01% 11.37% -5.61% 9.02% 169 2,672 0.03
IWV iShares Russell 3000 ETF 5.33% 2.80% -3.18% 11.10% -5.82% 8.75% 94 606 0.20
TIP iShares TIPS Bond ETF 0.65% 1.88% 5.38% 8.06% 5.01% 8.71% 393 3,302 0.19
GXC SPDR S&P China ETF 2.26% -1.06% 3.24% 11.16% -4.61% 8.51% 10 103 0.59
MCHI iShares MSCI China ETF 1.70% -1.82% 3.19% 11.97% -4.82% 8.20% 278 4,715 0.59
DBJP Xtrackers MSCI Japan Hedged Equity ETF 7.60% 4.71% -6.15% 8.79% -6.68% 8.15% 6 162 0.45
XLB Materials Select Sector SPDR Fund 6.88% 5.92% -6.48% 7.62% -9.08% 7.60% 463 9,537 0.13
TFI SPDR Nuveen Bloomberg Barclays 4.47% 0.31% 3.43% 5.51% 3.31% 7.48% 67 1,380 0.23
HEWJ iShares Currency Hedged MSCI Japan 7.36% 4.54% -6.65% 8.40% -7.13% 7.45% 8 290 0.49
MDYG SPDR S&P 400 Mid CapGrowth ETF 8.72% 3.08% -4.44% 5.95% -6.68% 7.26% 21 444 0.15
IWO iShares Russell 2000 Growth ETF 9.35% 1.41% -4.62% 7.16% -6.73% 7.26% 129 764 0.24
SPMB SPDR Portfolio Mortgage Backed Bond 0.03% 2.08% 4.13% 6.76% 4.24% 7.09% 18 683 0.06
MBB iShares MBS ETF 0.18% 2.08% 3.90% 6.54% 3.87% 6.92% 256 2,333 0.06
EFG iShares MSCI EAFE Growth ETF 6.37% 2.04% -3.91% 7.22% -6.48% 6.40% 87 1,181 0.40
RHS Invesco S&P 500 Equal Weight Consumer 1.97% 4.06% -3.05% 8.69% -5.83% 6.37% 5 39 0.40
ITM VanEck Vectors AMT-Free Intermediate 5.78% -1.59% 2.24% 4.36% 1.83% 5.89% 18 381 0.24
XLP Consumer Staples Select Sector SPDR 1.66% 2.74% -3.12% 9.48% -5.40% 5.87% 1,009 17,760 0.13
VAW Vanguard Materials ETF 7.24% 4.83% -8.20% 5.51% -10.84% 5.11% 17 165 0.10
URTH iShares MSCI World ETF 5.03% 1.15% -5.39% 6.96% -8.18% 4.22% 20 252 0.24
BNDX Vanguard Total International Bond ETF 0.41% -0.65% 1.59% 5.21% 1.99% 3.58% 172 3,027 0.08
VO Vanguard Mid-Cap ETF 7.27% -0.03% -6.82% 4.76% -9.03% 2.83% 233 1,688 0.04
ACWI iShares MSCI ACWI ETF 5.09% -0.06% -5.74% 5.59% -8.87% 2.67% 408 6,231 0.32
DGRO iShares Core Dividend Growth ETF 3.66% 0.87% -7.36% 7.71% -9.65% 2.66% 139 4,005 0.08
ANGL VanEck Vectors Fallen Angel High Yield 4.06% -3.12% -1.72% 4.76% -3.51% 2.17% 38 1,455 0.35
XLU Utilities Select Sector SPDR Fund 4.24% -2.99% -3.59% 6.00% -6.65% 2.00% 1,380 24,005 0.13
EBND SPDR Bloomberg Barclays Emerging 4.22% -2.11% -1.58% 3.03% -4.54% 1.94% 12 477 0.30
USFR WisdomTree Floating Rate Treasury Fund -0.02% 0.14% 0.65% 1.58% 0.52% 1.28% 30 1,211 0.15
HYLS First Trust Exchange-Traded Fund IV First 3.41% -2.11% -1.99% 2.34% -3.17% 0.90% 25 561 0.95
NOBL ProShares S&P 500 Dividend Aristocrats 5.24% 0.10% -9.31% 5.11% -10.92% 0.62% 96 1,557 0.35
FLOT iShares Floating Rate Bond ETF 0.75% -0.79% -0.31% 1.19% -0.39% 0.46% 121 2,471 0.20
VPU Vanguard Utilities ETF 4.31% -3.19% -4.67% 4.22% -7.54% 0.37% 45 362 0.10
HYG iShares iBoxx High Yield Corporate Bond 2.95% -2.84% -2.71% 2.22% -4.16% -0.20% 3,130 39,619 0.49
IWR iShares Russell Mid-Cap ETF 7.22% -1.56% -8.75% 2.54% -10.71% -0.30% 187 3,974 0.19
VPL Vanguard FTSE Pacific ETF 6.05% 0.17% -8.40% 0.92% -10.60% -0.68% 55 954 0.08
IYJ iShares U.S. Industrials ETF 7.23% -2.35% -11.10% 1.69% -11.35% -2.47% 7 55 0.42
IJH iShares Core S&P Mid-Cap ETF 7.27% -2.38% -11.52% -0.88% -13.93% -4.09% 445 2,923 0.06
SPYV SPDR Portfolio S&P 500 Value ETF 3.18% -3.19% -12.00% 4.31% -14.59% -4.20% 94 3,464 0.04
IVE iShares S&P 500 Value ETF 3.23% -3.25% -12.18% 4.01% -14.74% -4.46% 238 2,371 0.18
VB Vanguard Small-Cap ETF 7.65% -3.77% -11.89% -1.66% -13.76% -5.28% 211 1,756 0.05
HEFA iShares Currency Hedged MSCI EAFE ETF 5.08% -3.62% -10.78% -0.36% -11.94% -5.28% 35 1,401 0.35
VGK Vanguard FTSE Europe ETF 5.84% -6.10% -12.46% -3.80% -16.24% -9.01% 307 6,870 0.08
IEUR iShares Core MSCI Europe ETF 5.83% -6.05% -12.45% -3.84% -16.26% -9.01% 40 1,065 0.09
EEM iShares MSCI Emerging Markets ETF 2.97% -6.89% -9.43% -4.64% -15.91% -9.81% 2,451 68,164 0.68
SPEM SPDR Portfolio Emerging Markets ETF 3.40% -7.47% -10.12% -4.91% -15.96% -10.42% 85 2,839 0.11
VWO Vanguard FTSE Emerging Markets ETF 3.29% -7.62% -9.88% -4.89% -15.83% -10.42% 912 25,891 0.10
VIS Vanguard Industrials ETF 5.94% -7.35% -16.35% -3.67% -16.42% -11.69% 27 240 0.10
EMLP First Trust North American Energy 4.57% -8.13% -11.13% -9.42% -15.30% -13.15% 23 1,237 0.95
IYG iShares U.S. Financial Services ETF 4.24% -8.53% -18.10% -2.67% -20.22% -13.67% 18 162 0.42
RWM ProShares Short Russell2000 -7.52% -8.21% 0.37% -9.96% 3.14% -13.81% 134 3,000 0.95
IWS iShares Russell Mid-Cap Value ETF 4.68% -8.43% -16.58% -7.04% -19.00% -14.93% 107 1,558 0.24
VOE Vanguard Mid-Cap Value ETF 4.10% -8.36% -17.32% -5.92% -19.40% -15.00% 81 939 0.07
IYF iShares US Financials ETF 3.36% -9.96% -17.73% -5.82% -19.31% -16.45% 50 478 0.42
MDYV SPDR S&P 400 Mid Cap Value ETF 5.18% -8.92% -19.39% -8.74% -21.82% -17.38% 13 344 0.15
VBR Vanguard Small-Cap Value ETF 4.80% -11.20% -20.78% -12.57% -22.92% -21.68% 115 1,234 0.07
IWN iShares Russell 2000 Value ETF 3.12% -13.06% -23.01% -14.78% -25.55% -26.03% 147 1,693 0.24

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Making Portfolio Changes
Exchanging one fund for another

The following are directions for making changes on the Empower website for followers of the
Aggressive, Moderate or Conservative Portfolios.

1. Log into the Empower website, blueretirement.com

2. Click on “My Accounts” at the top of the page.
3. Under “Investments” in the left column, click on “View/Manage my Investments”.
4. Click on “Change My Investments” in the blue box.
5. Select “Change how my current balance is invested”. Click “Continue”.
6. In the left column are your current funds.
7. In the left “Percentage” column, indicate what percentage of the fund you want to transfer out of.
8. In the right “Percentage” column, indicate what percentage of the fund you want to transfer in to.
9. Click “Review Transfers”.
10. Click “Submit”.
11. This adjusts your current holdings. The next step is to adjust your future contributions. Click on “My Accounts” at the
top of the page.
12. Under “Investments” in the left column, click on “View/Manage my Investments”.
13. Click on “Change My Investments” in the blue box.
14. Select “Change how my future contributions will be invested’. Click “Continue”.
15. Under “Do it myself”, click on “Choose individual funds” in the orange box.
16. Click on “+add/view all funds” in the orange box.
17. Select the funds where you want future contributions to go. These should match the funds on page 6 of the
newsletter for the portfolio you are following.
18. Click “Add” in the blue box.
19. On the next page enter the numbers from the chart on page 4 of the newsletter in the column headed “Allocation”.
20. Click “Submit”.

For current subscribers making multiple changes all

Rebalance Directions
Aggressive, Moderate & Conservative Portfolios:
REBALANCE your portfolio to match the chart on page 6
at once AND new subscribers. If only doing one-for-
one exchange please use the directions above
under “Exchanging one fund for another”

1. Log into the Empower website, blueretirement.com

2. Click on “My Accounts” at the top of the page.
3. Under “Investments” in the left column, click on “View/Manage my Investments”.
4. Click on “Change My Investments” in the blue box.
5. Select “Rebalance my current balance” Use the “How Often” pull-down menu, select “Once”. Make sure the “Direct my
future investments this way” box is checked.
6. Under “Do it myself”, click on “Choose individual funds” in the orange box.
7. Click on “+add/view all funds” in the orange box.
8. Select the funds you want to rebalance into. These should match the funds on page 6 of the newsletter for the
portfolio you are following.
9. Click “Add” in the blue box.
10. On the next page enter the numbers from the chart on page 4 of the newsletter in the column headed “Allocation”.
11. Click “Submit”.

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 info@eztracker401k.com 201-503-6445

Questions, Comments, Problems?

Let us know if you have any questions or suggestions. We’re just a click
away at contact@eztracker401k.com. Or text/call 201.503.6445 or
201.503.6571. The information and data contained herein are compiled
from sources and procedures believed reliable, but accuracy cannot be
guaranteed. EZTracker monitors fund performance and publishes a monthly
newsletter. The publisher and owners disclaim any and all liability for losses
that may be sustained as a result of using the data presented herein. Past
performance is no assurance of future results. All investments involve risk.
You should invest only after careful examination of fund prospectuses.

EZTracker is a publishing company founded to meet the growing demand for expert, reliable information about 401k
choices. EZTracker is not endorsed by or affiliated with JetBlue Airlines or any of its subsidiaries. The goal of EZTracker is
to remove the guesswork from 401k choices and to help employees manage their own 401k plan with confidence and in
an informed way. EZTracker is not a financial advisor nor is it a financial manager. It is a provider of information about the
various funds within the JetBlue Airlines 401k retirement plan. By reporting the performance of each fund in a
straightforward and easy to understand manner, we hope every employee from the financial neophyte to the sophisticated
investor will make informed choices to best fit their retirement goals and needs.

EZTracker is a monthly newsletter monitoring the 401k investment alternatives available to JetBlue Airlines employees.
Published by EZTracker, P.O. Box 445, Tenafly, NJ 07670. No reproduction of any EZTracker information is permitted
without the written permission of the publishers. Copyright EZTracker, 2018.

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