These spreadsheet exhibits relate to the case Selecting Mutual Funds for Retirement

Accounts (A), Case #KE1056.

©2018 by the Kellogg School of Management at Northwestern University. This case was
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 Vanguard Vanguard Total
Vanguard Vanguard Total American Funds
Extended International
Institutional Bond Market New World
Market Index Stock Index
Index Fund Index Fund Fund
Fund Fund

Date VIEIX VINIX VBTIX VTSNX RNWGX

200907 8.96% 7.58% 1.44% 7.82% 8.78%
200908 3.75% 3.61% 1.03% 3.63% 1.90%
200909 6.07% 3.72% 1.20% 4.23% 5.82%
200910 -5.82% -1.86% 0.43% -2.57% -1.26%
200911 3.88% 6.00% 1.37% 5.63% 4.79%
200912 7.45% 1.95% -1.66% 2.86% 1.93%
201001 -3.37% -3.60% 1.58% -3.50% -4.00%
201002 4.81% 3.10% 0.21% 3.36% 0.73%
201003 7.55% 6.04% -0.07% 6.27% 6.99%
201004 5.00% 1.57% 1.07% 2.17% 0.14%
201005 -7.52% -7.99% 0.89% -8.00% -7.95%
201006 -7.06% -5.23% 1.62% -5.66% 0.07%
201007 7.10% 7.01% 0.95% 6.99% 8.55%
201008 -5.73% -4.52% 1.49% -4.75% -1.00%
201009 11.38% 8.92% 0.00% 9.47% 9.32%
201010 4.24% 3.79% 0.37% 3.94% 3.48%
201011 3.16% 0.01% -0.56% 0.58% -3.18%
201012 7.33% 6.69% -1.13% 6.81% 4.83%
201101 1.43% 2.37% 0.10% 0.71% -2.71%
201102 4.73% 3.42% 0.17% 2.72% 0.73%
201103 2.19% 0.04% 0.01% -0.42% 3.08%
201104 2.77% 2.96% 1.33% 5.26% 4.22%
201105 -1.35% -1.13% 1.32% -2.86% -1.65%
201106 -2.31% -1.67% -0.38% -1.49% -1.43%
201107 -3.18% -2.04% 1.59% -1.56% -0.39%
201108 -8.31% -5.44% 1.48% -8.44% -7.51%
201109 -11.02% -7.03% 0.90% -12.26% -12.44%
201110 14.27% 10.93% 0.17% 10.16% 10.74%
201111 -0.52% -0.22% -0.29% -2.85% -3.29%
201112 -0.11% 1.02% 1.09% -2.64% -2.26%
201201 7.55% 4.48% 0.89% 7.34% 7.03%
201202 4.07% 4.33% -0.03% 5.13% 5.57%
201203 2.25% 3.29% -0.57% -0.73% -0.46%
201204 -0.82% -0.63% 1.15% -1.82% 0.10%
201205 -7.03% -6.01% 0.96% -11.09% -9.27%
201206 3.13% 4.12% 0.05% 6.02% 3.99%
201207 -0.61% 1.39% 1.40% 0.42% 2.14%
201208 3.67% 2.25% 0.04% 2.75% 1.02%
201209 2.45% 2.59% 0.12% 3.63% 3.80%
201210 -1.28% -1.86% 0.12% 0.58% 0.31%
201211 1.68% 0.58% 0.20% 1.80% 1.50%
201212 2.78% 0.91% -0.19% 4.21% 3.79%
201301 6.78% 5.19% -0.70% 3.34% 1.96%
201302 1.00% 1.35% 0.55% -1.20% -0.67%
201303 4.73% 3.74% 0.09% 0.78% 0.25%
201304 0.60% 1.93% 0.92% 3.58% 2.42%
201305 2.84% 2.34% -1.70% -2.95% -1.06%
201306 -1.01% -1.34% -1.64% -3.75% -4.24%
201307 7.00% 5.08% 0.21% 4.59% 3.59%
201308 -2.82% -2.90% -0.63% -1.66% -2.82%
201309 6.00% 3.14% 0.97% 7.21% 6.96%
201310 2.84% 4.60% 0.79% 3.46% 3.06%
201311 2.48% 3.04% -0.34% 0.10% 0.35%
201312 3.02% 2.53% -0.64% 1.26% 0.67%
201401 -1.85% -3.46% 1.56% -4.75% -4.58%
201402 5.41% 4.57% 0.49% 5.42% 5.08%
201403 -0.70% 0.83% -0.14% 0.40% 0.31%
201404 -2.54% 0.73% 0.78% 1.30% 0.14%
201405 1.50% 2.34% 1.06% 1.90% 3.48%
201406 4.45% 2.07% 0.12% 1.74% 1.31%
201407 -4.40% -1.38% -0.25% -1.57% -1.77%
201408 4.95% 4.00% 1.14% 1.06% 0.54%
201409 -5.10% -1.40% -0.71% -5.01% -3.88%
201410 4.09% 2.44% 0.95% -0.28% 0.97%
201411 1.30% 2.69% 0.66% -0.28% 0.07%
201412 0.94% -0.26% 0.10% -3.65% -4.49%
201501 -1.91% -3.00% 2.32% 0.18% 0.28%
201502 6.03% 5.74% -1.07% 5.48% 3.60%
201503 1.25% -1.59% 0.42% -1.52% -0.88%
201504 -1.54% 0.95% -0.35% 5.08% 2.32%
201505 1.85% 1.29% -0.44% -0.94% -0.89%
201506 -0.73% -1.93% -1.00% -2.68% -1.50%
201507 -0.16% 2.10% 0.77% -0.80% -1.47%
201508 -5.87% -6.03% -0.35% -7.27% -7.71%
201509 -4.82% -2.48% 0.76% -3.90% -3.30%
201510 5.57% 8.44% 0.02% 6.28% 6.49%
201511 1.73% 0.30% -0.26% -1.33% 0.00%
201512 -3.94% -1.58% -0.37% -2.02% -2.01%
201601 -8.82% -4.97% 1.44% -5.64% -5.96%
201602 0.47% -0.14% 0.67% -2.24% -1.47%
201603 8.22% 6.78% 0.95% 8.25% 8.21%
201604 1.72% 0.39% 0.39% 2.22% 1.40%
201605 1.78% 1.79% 0.02% -1.00% -0.30%
201606 -0.11% 0.26% 1.95% -0.96% 1.05%
201607 5.37% 3.68% 0.65% 4.44% 4.57%
201608 0.88% 0.14% -0.16% 0.70% 1.03%
201609 0.91% 0.02% -0.08% 1.42% 0.74%
201610 -3.87% -1.83% -0.80% -1.75% -1.18%
201611 7.90% 3.70% -2.63% -2.16% -3.79%
201612 1.82% 1.98% 0.25% 2.03% 0.64%
201701 2.13% 1.89% 0.30% 3.94% 5.14%
201702 2.45% 3.97% 0.67% 1.47% 2.00%
201703 -0.06% 0.11% -0.06% 2.84% 3.21%
201704 1.13% 1.03% 0.77% 2.21% 3.22%
201705 -0.78% 1.40% 0.68% 3.01% 2.15%
201706 2.32% 0.62% 0.02% 0.52% 0.60%
201707 1.11% 2.05% 0.40% 3.44% 3.83%
201708 -0.41% 0.30% 0.86% 0.64% 1.76%
201709 4.24% 2.07% -0.74% 1.79% 1.60%
 Monthly Percentage Returns

John Hancock MassMutual Metropolitan

Goldman Sachs Funds MFS Mid Cap Select Mid Cap West Total Vanguard
Small Cap Value Disciplined Value Fund Growth Equity Return Bond PRIMECAP Fund
Value Fund Fund II Fund

GSSUX JDVWX MVCKX MEFZX MWTSX VPMAX

10.88% 7.92% 9.48% 7.82% 3.74% 8.60%
3.27% 4.96% 4.50% 3.32% 2.07% 1.55%
4.73% 3.12% 5.81% 6.73% 2.18% 3.96%
-5.28% -2.47% -3.46% -4.66% 2.14% -2.33%
3.73% 4.89% 5.16% 4.41% 0.98% 7.00%
7.67% 1.43% 4.47% 5.14% -0.13% 4.02%
-2.79% -3.27% -2.31% -3.75% 2.70% -4.75%
4.84% 3.56% 5.13% 4.71% 0.56% 3.52%
7.27% 6.17% 6.57% 7.36% 0.63% 5.05%
6.03% 1.00% 4.41% 4.11% 2.20% 0.30%
-7.26% -7.98% -7.68% -6.97% -0.18% -8.49%
-7.34% -5.18% -6.03% -5.41% 1.42% -5.77%
6.58% 6.69% 7.78% 5.81% 1.53% 7.62%
-6.03% -5.48% -4.33% -4.66% 1.71% -3.45%
10.26% 8.41% 9.81% 11.78% 0.67% 9.15%
3.31% 3.71% 3.35% 3.59% 1.02% 5.06%
3.05% -0.58% 2.00% 3.39% -0.47% -0.74%
7.93% 6.67% 7.40% 6.13% -0.67% 6.64%
0.80% 2.77% 2.06% 2.35% 0.79% 2.71%
5.03% 3.85% 4.04% 4.34% 0.53% 2.61%
1.69% 0.15% 1.15% 1.72% 0.21% -0.14%
2.15% 3.03% 2.56% 2.63% 1.14% 3.47%
-1.03% -1.65% -0.35% -1.59% 1.06% -0.70%
-2.00% -1.61% -1.53% -2.02% -0.88% -2.41%
-2.38% -3.64% -2.90% -3.96% 1.18% -2.96%
-8.03% -6.39% -7.49% -5.90% 0.56% -5.82%
-11.25% -8.20% -10.22% -8.36% -0.10% -7.82%
14.95% 12.41% 12.43% 12.26% -0.10% 11.52%
1.46% -0.40% 0.08% -0.63% -0.34% -0.55%
1.69% 1.30% -0.13% -1.05% 1.02% -0.37%
6.00% 5.06% 4.78% 6.38% 1.70% 5.39%
2.73% 4.82% 4.11% 4.55% 0.74% 2.56%
2.36% 3.78% 2.30% 2.08% 0.28% 2.14%
-0.99% -0.71% -0.35% 0.37% 1.07% -1.29%
-6.24% -7.41% -6.13% -6.77% 0.83% -6.10%
3.10% 4.58% 2.78% 2.04% 0.46% 4.14%
1.24% 1.11% 0.95% -1.36% 1.94% 1.67%
2.88% 3.60% 2.53% 3.49% 1.03% 2.26%
 2.07% 2.98% 2.47% 1.91% 1.57% 1.52%
-1.08% -0.90% 0.41% -2.25% 0.52% -0.93%
0.76% 0.00% 1.23% 2.37% 0.57% 1.99%
3.08% 2.22% 2.46% 1.64% 0.30% 1.52%
6.06% 5.84% 6.34% 6.25% 0.25% 6.81%
1.40% 1.35% 2.26% 1.25% 0.45% 1.84%
4.72% 3.46% 3.98% 4.02% 0.35% 4.97%
0.30% 1.93% 0.99% 0.30% 1.21% 2.45%
2.84% 4.03% 2.41% 3.08% -1.26% 2.28%
-0.29% -0.36% -0.17% -1.04% -2.21% -1.51%
6.22% 5.90% 6.01% 6.62% 0.38% 3.93%
-2.87% -3.39% -2.65% -1.69% -0.32% -1.65%
5.66% 2.50% 3.97% 5.19% 1.08% 4.99%
3.61% 3.30% 4.34% 2.49% 1.15% 4.51%
3.84% 3.82% 1.96% 2.07% -0.07% 4.04%
2.18% 3.12% 2.54% 3.21% -0.50% 1.70%
-3.46% -3.00% -3.04% -0.33% 1.48% -0.77%
4.95% 3.49% 5.18% 5.39% 0.50% 5.87%
0.67% 2.21% 1.54% -1.65% -0.07% 0.00%
-2.19% -1.30% -0.29% -1.79% 0.83% -1.47%
1.14% 2.19% 1.96% 1.61% 1.21% 3.67%
4.91% 1.50% 3.27% 3.69% 0.11% 2.45%
-5.84% -1.06% -3.54% -3.15% -0.08% -0.83%
4.72% 3.53% 3.82% 4.56% 0.88% 3.89%
-4.86% -2.12% -4.19% -3.56% -0.40% -0.33%
6.27% 2.43% 2.43% 4.38% 0.66% 2.22%
-0.76% 2.83% 2.56% 3.23% 0.65% 3.32%
2.44% 0.09% 0.65% 0.46% 0.23% -0.34%
-4.35% -4.90% -3.19% -1.39% 1.79% -1.54%
5.92% 6.54% 6.09% 7.12% -0.83% 5.19%
1.61% -1.51% 0.86% 1.12% 0.43% -1.26%
-1.52% 0.74% -0.28% -0.60% -0.24% -0.29%
0.80% 1.68% 1.57% 2.53% -0.20% 1.59%
0.23% -2.11% -1.59% -0.44% -0.91% -2.76%
-1.49% 0.90% 0.24% 1.39% 0.56% 1.52%
-4.84% -5.79% -4.08% -4.67% -0.23% -5.81%
-3.63% -4.32% -4.15% -3.35% 0.34% -2.05%
5.28% 7.70% 5.52% 5.98% 0.05% 8.83%
2.97% -0.22% 1.17% 0.91% -0.14% 0.37%
-5.07% -2.66% -3.66% -2.12% -0.34% -0.41%
-6.66% -6.62% -5.53% -8.12% 1.15% -6.57%
-0.69% 0.19% 0.61% 1.20% 0.53% -1.15%
8.26% 6.46% 9.25% 6.95% 0.78% 6.16%
1.32% 2.10% 1.57% 0.22% 0.46% -0.40%
3.35% 0.80% 1.50% 2.88% -0.01% 3.11%
 0.00% -1.30% -0.98% -1.08% 1.54% -2.35%
4.79% 3.04% 4.02% 4.95% 0.76% 6.55%
2.29% 1.34% 0.48% -0.67% -0.03% 1.28%
-0.37% -0.11% -0.14% 0.05% 0.04% 1.77%
-2.73% -1.54% -2.52% -3.76% -0.62% -2.99%
10.69% 8.22% 5.56% 4.23% -2.09% 3.89%
3.18% 1.46% 1.77% 0.06% 0.08% 1.72%
0.57% 0.52% 1.57% 3.43% 0.27% 3.11%
1.71% 4.05% 2.95% 3.26% 0.67% 4.24%
-0.70% -0.69% -0.93% 1.22% 0.01% 0.73%
0.03% 0.20% 0.04% 1.86% 0.69% 1.49%
-1.90% 0.20% 0.31% 2.87% 0.69% 2.96%
2.24% 2.18% 2.13% 1.06% -0.02% 1.26%
1.52% 1.36% 0.61% 1.76% 0.28% 0.89%
-2.14% 0.19% -1.60% 0.51% 0.89% 0.72%
6.70% 3.10% 3.51% 1.95% -0.59% 3.77%
 Fidelity
Wells Fargo Principal Real
Diversified
Small Company Parnassus Fund Estate Securities
International
Growth Fund Fund
Fund

WSCRX FDIKX PFPRX PIREX

6.71% 8.84% 11.50% 10.08%
2.60% 3.35% 4.90% 13.13%
6.64% 4.73% 2.54% 6.88%
-6.59% -2.08% -3.56% -3.97%
3.05% 3.79% 4.35% 6.88%
8.16% 1.70% 4.58% 6.47%
-3.80% -5.18% -3.42% -5.56%
4.53% -0.15% 4.97% 6.20%
6.70% 6.34% 5.67% 9.38%
4.39% -1.46% 4.64% 6.42%
-7.78% -10.55% -8.87% -5.32%
-6.47% -2.09% -9.11% -5.54%
5.72% 9.42% 7.55% 10.18%
-5.75% -3.68% -6.13% -1.34%
14.74% 10.77% 11.52% 4.14%
5.18% 3.98% 2.77% 3.60%
6.06% -3.29% -0.21% -1.39%
9.87% 7.70% 8.86% 3.86%
0.60% 1.10% 5.46% 3.47%
6.32% 3.28% 3.26% 4.56%
3.81% -1.14% -3.61% -1.49%
4.21% 5.63% 4.07% 5.54%
-1.58% -3.50% -2.28% 2.04%
-1.35% -1.77% -5.92% -3.01%
-3.56% -0.51% -2.88% 1.29%
-11.95% -8.65% -9.88% -6.30%
-11.02% -12.34% -7.90% -10.77%
15.52% 10.93% 14.98% 15.37%
-0.99% -2.87% 1.08% -3.62%
-0.08% -2.63% 0.95% 4.22%
7.91% 6.24% 7.81% 6.25%
4.90% 5.36% 4.84% -1.40%
3.03% 0.63% 3.99% 5.43%
-1.98% -1.12% -1.96% 3.18%
-8.37% -9.73% -7.59% -4.79%
3.57% 5.39% 4.96% 5.42%
-0.92% 1.22% 0.46% 1.92%
3.66% 2.60% 4.88% 0.00%
 3.77% 3.42% 3.13% -1.93%
-2.37% 0.21% -2.99% -1.11%
-0.10% 2.48% 3.34% -0.26%
3.48% 2.34% 3.51% 3.91%
7.67% 3.68% 5.15% 3.57%
1.05% -1.55% -1.87% -0.10%
4.43% 2.29% 2.53% 3.11%
-1.35% 4.74% 1.37% 6.90%
5.10% -1.77% 4.55% -5.41%
-0.31% -2.27% 0.59% -1.85%
8.63% 5.67% 6.57% 1.41%
-0.81% -2.74% -3.71% -6.74%
6.75% 7.22% 6.47% 3.97%
1.67% 3.73% 2.54% 4.14%
3.31% 1.87% 1.71% -4.44%
3.20% 2.53% 4.45% 0.42%
-0.94% -4.45% -2.46% 3.50%
4.28% 5.54% 5.88% 5.40%
-1.31% -1.59% -0.13% 0.85%
-4.32% 0.41% -1.44% 3.45%
1.61% 2.23% 3.20% 2.39%
7.29% 1.23% 3.03% 0.94%
-5.89% -2.32% -3.01% 0.00%
5.39% 0.54% 5.01% 3.04%
-4.66% -3.24% -3.53% -5.55%
2.97% 0.28% 2.20% 10.91%
0.93% 1.33% 4.53% 2.11%
3.86% -2.62% 1.06% 2.09%
-2.60% 0.90% -3.31% 6.38%
8.32% 5.99% 7.61% -2.63%
1.23% -0.52% -1.22% 1.56%
-1.87% 2.27% 0.02% -5.91%
2.83% 1.66% 2.06% -0.13%
1.98% -1.68% -1.04% -4.39%
-0.11% 2.27% 1.47% 6.10%
-7.04% -7.19% -5.57% -5.92%
-6.25% -4.65% -3.16% 3.25%
1.48% 6.47% 7.70% 5.39%
3.25% -0.25% 0.08% -0.56%
-4.59% -1.24% -1.22% 2.11%
-12.89% -6.29% -7.38% -3.95%
-0.56% -2.26% 3.12% -0.42%
8.43% 6.02% 5.60% 10.09%
1.22% 0.62% -1.55% -2.74%
2.11% 1.32% 4.81% 2.07%
 0.10% -4.13% -1.88% 6.46%
6.89% 4.46% 4.19% 3.75%
1.20% 1.01% 5.29% -3.34%
0.79% 1.00% 1.18% -1.62%
-5.62% -3.22% -1.70% -5.43%
7.77% -3.15% 7.05% -2.41%
-0.02% 1.69% 2.03% 4.55%
3.45% 2.98% 1.03% -0.58%
2.87% 1.72% 3.27% 4.14%
0.70% 3.10% -0.15% -1.91%
0.99% 4.15% 0.93% 0.17%
-1.86% 3.88% 1.64% 0.31%
2.99% -0.44% 3.03% 1.80%
0.95% 3.34% 1.10% 1.07%
-0.72% -0.08% -0.03% 1.27%
4.71% 1.78% 2.48% -1.00%
 VINIX JDVWX VPMAX PFPRX VIEIX MVCKX MEFZX GSSUX WSCRX
VINIX 1
JDVWX 0.970142 1
VPMAX 0.960849 0.928599 1
PFPRX 0.926149 0.931597 0.91251 1
VIEIX 0.920235 0.927607 0.909755 0.921137 1
MVCKX 0.949872 0.950933 0.920187 0.921233 0.973808 1
MEFZX 0.927293 0.910164 0.922504 0.915509 0.971864 0.950617 1
GSSUX 0.888374 0.907889 0.865734 0.896174 0.973179 0.957515 0.915152 1
WSCRX 0.856119 0.873483 0.850848 0.870464 0.967626 0.92188 0.942808 0.935678 1
VTSNX 0.882107 0.835938 0.86519 0.823801 0.844815 0.863994 0.847553 0.781731 0.785283
FDIKX 0.888328 0.836701 0.889492 0.830683 0.823789 0.843295 0.847434 0.754369 0.771904
RNWGX 0.836614 0.779183 0.82832 0.745274 0.790968 0.807685 0.798634 0.725453 0.734687
MWTSX 0.06591 -0.018862 0.052981 0.014104 0.019174 0.064314 0.033988 -0.024128 -0.064399
VBTIX -0.174545 -0.287236 -0.181782 -0.260236 -0.241682 -0.212855 -0.206467 -0.285728 -0.31175
PIREX 0.677901 0.610122 0.659259 0.629459 0.662269 0.674821 0.653264 0.627715 0.557547
 VTSNX FDIKX RNWGX MWTSX VBTIX PIREX

1
0.949375 1
0.944202 0.937643 1
0.183067 0.175539 0.268764 1
-0.058998 -0.063896 0.050717 0.821648 1
0.646816 0.634963 0.635884 0.399995 0.288207 1
 John MassMut
Vanguard
Vanguard Hancock Vanguard Extended MFS Mid ual Select Goldman
Institutio Funds Parnassus Mid Cap Sachs
PRIMECA Market Cap Value
nal Index Discipline Fund Growth Small Cap
P Fund Index Fund
Fund d Value Equity Value
Fund
Fund Fund II

Date VINIX JDVWX VPMAX PFPRX VIEIX MVCKX MEFZX GSSUX

200907 7.58% 7.92% 8.60% 11.50% 8.96% 9.48% 7.82% 10.88%
200908 3.61% 4.96% 1.55% 4.90% 3.75% 4.50% 3.32% 3.27%
200909 3.72% 3.12% 3.96% 2.54% 6.07% 5.81% 6.73% 4.73%
200910 -1.86% -2.47% -2.33% -3.56% -5.82% -3.46% -4.66% -5.28%
200911 6.00% 4.89% 7.00% 4.35% 3.88% 5.16% 4.41% 3.73%
200912 1.95% 1.43% 4.02% 4.58% 7.45% 4.47% 5.14% 7.67%
201001 -3.60% -3.27% -4.75% -3.42% -3.37% -2.31% -3.75% -2.79%
201002 3.10% 3.56% 3.52% 4.97% 4.81% 5.13% 4.71% 4.84%
201003 6.04% 6.17% 5.05% 5.67% 7.55% 6.57% 7.36% 7.27%
201004 1.57% 1.00% 0.30% 4.64% 5.00% 4.41% 4.11% 6.03%
201005 -7.99% -7.98% -8.49% -8.87% -7.52% -7.68% -6.97% -7.26%
201006 -5.23% -5.18% -5.77% -9.11% -7.06% -6.03% -5.41% -7.34%
201007 7.01% 6.69% 7.62% 7.55% 7.10% 7.78% 5.81% 6.58%
201008 -4.52% -5.48% -3.45% -6.13% -5.73% -4.33% -4.66% -6.03%
201009 8.92% 8.41% 9.15% 11.52% 11.38% 9.81% 11.78% 10.26%
201010 3.79% 3.71% 5.06% 2.77% 4.24% 3.35% 3.59% 3.31%
201011 0.01% -0.58% -0.74% -0.21% 3.16% 2.00% 3.39% 3.05%
201012 6.69% 6.67% 6.64% 8.86% 7.33% 7.40% 6.13% 7.93%
201101 2.37% 2.77% 2.71% 5.46% 1.43% 2.06% 2.35% 0.80%
201102 3.42% 3.85% 2.61% 3.26% 4.73% 4.04% 4.34% 5.03%
201103 0.04% 0.15% -0.14% -3.61% 2.19% 1.15% 1.72% 1.69%
201104 2.96% 3.03% 3.47% 4.07% 2.77% 2.56% 2.63% 2.15%
201105 -1.13% -1.65% -0.70% -2.28% -1.35% -0.35% -1.59% -1.03%
201106 -1.67% -1.61% -2.41% -5.92% -2.31% -1.53% -2.02% -2.00%
201107 -2.04% -3.64% -2.96% -2.88% -3.18% -2.90% -3.96% -2.38%
201108 -5.44% -6.39% -5.82% -9.88% -8.31% -7.49% -5.90% -8.03%
201109 -7.03% -8.20% -7.82% -7.90% -11.02% -10.22% -8.36% -11.25%
201110 10.93% 12.41% 11.52% 14.98% 14.27% 12.43% 12.26% 14.95%
201111 -0.22% -0.40% -0.55% 1.08% -0.52% 0.08% -0.63% 1.46%
201112 1.02% 1.30% -0.37% 0.95% -0.11% -0.13% -1.05% 1.69%
201201 4.48% 5.06% 5.39% 7.81% 7.55% 4.78% 6.38% 6.00%
201202 4.33% 4.82% 2.56% 4.84% 4.07% 4.11% 4.55% 2.73%
201203 3.29% 3.78% 2.14% 3.99% 2.25% 2.30% 2.08% 2.36%
201204 -0.63% -0.71% -1.29% -1.96% -0.82% -0.35% 0.37% -0.99%
201205 -6.01% -7.41% -6.10% -7.59% -7.03% -6.13% -6.77% -6.24%
201206 4.12% 4.58% 4.14% 4.96% 3.13% 2.78% 2.04% 3.10%
201207 1.39% 1.11% 1.67% 0.46% -0.61% 0.95% -1.36% 1.24%
201208 2.25% 3.60% 2.26% 4.88% 3.67% 2.53% 3.49% 2.88%
201209 2.59% 2.98% 1.52% 3.13% 2.45% 2.47% 1.91% 2.07%
201210 -1.86% -0.90% -0.93% -2.99% -1.28% 0.41% -2.25% -1.08%
201211 0.58% 0.00% 1.99% 3.34% 1.68% 1.23% 2.37% 0.76%
201212 0.91% 2.22% 1.52% 3.51% 2.78% 2.46% 1.64% 3.08%
201301 5.19% 5.84% 6.81% 5.15% 6.78% 6.34% 6.25% 6.06%
201302 1.35% 1.35% 1.84% -1.87% 1.00% 2.26% 1.25% 1.40%
201303 3.74% 3.46% 4.97% 2.53% 4.73% 3.98% 4.02% 4.72%
201304 1.93% 1.93% 2.45% 1.37% 0.60% 0.99% 0.30% 0.30%
201305 2.34% 4.03% 2.28% 4.55% 2.84% 2.41% 3.08% 2.84%
201306 -1.34% -0.36% -1.51% 0.59% -1.01% -0.17% -1.04% -0.29%
201307 5.08% 5.90% 3.93% 6.57% 7.00% 6.01% 6.62% 6.22%
201308 -2.90% -3.39% -1.65% -3.71% -2.82% -2.65% -1.69% -2.87%
201309 3.14% 2.50% 4.99% 6.47% 6.00% 3.97% 5.19% 5.66%
201310 4.60% 3.30% 4.51% 2.54% 2.84% 4.34% 2.49% 3.61%
201311 3.04% 3.82% 4.04% 1.71% 2.48% 1.96% 2.07% 3.84%
201312 2.53% 3.12% 1.70% 4.45% 3.02% 2.54% 3.21% 2.18%
201401 -3.46% -3.00% -0.77% -2.46% -1.85% -3.04% -0.33% -3.46%
201402 4.57% 3.49% 5.87% 5.88% 5.41% 5.18% 5.39% 4.95%
201403 0.83% 2.21% 0.00% -0.13% -0.70% 1.54% -1.65% 0.67%
201404 0.73% -1.30% -1.47% -1.44% -2.54% -0.29% -1.79% -2.19%
201405 2.34% 2.19% 3.67% 3.20% 1.50% 1.96% 1.61% 1.14%
201406 2.07% 1.50% 2.45% 3.03% 4.45% 3.27% 3.69% 4.91%
201407 -1.38% -1.06% -0.83% -3.01% -4.40% -3.54% -3.15% -5.84%
201408 4.00% 3.53% 3.89% 5.01% 4.95% 3.82% 4.56% 4.72%
201409 -1.40% -2.12% -0.33% -3.53% -5.10% -4.19% -3.56% -4.86%
201410 2.44% 2.43% 2.22% 2.20% 4.09% 2.43% 4.38% 6.27%
201411 2.69% 2.83% 3.32% 4.53% 1.30% 2.56% 3.23% -0.76%
201412 -0.26% 0.09% -0.34% 1.06% 0.94% 0.65% 0.46% 2.44%
201501 -3.00% -4.90% -1.54% -3.31% -1.91% -3.19% -1.39% -4.35%
201502 5.74% 6.54% 5.19% 7.61% 6.03% 6.09% 7.12% 5.92%
201503 -1.59% -1.51% -1.26% -1.22% 1.25% 0.86% 1.12% 1.61%
201504 0.95% 0.74% -0.29% 0.02% -1.54% -0.28% -0.60% -1.52%
201505 1.29% 1.68% 1.59% 2.06% 1.85% 1.57% 2.53% 0.80%
201506 -1.93% -2.11% -2.76% -1.04% -0.73% -1.59% -0.44% 0.23%
201507 2.10% 0.90% 1.52% 1.47% -0.16% 0.24% 1.39% -1.49%
201508 -6.03% -5.79% -5.81% -5.57% -5.87% -4.08% -4.67% -4.84%
201509 -2.48% -4.32% -2.05% -3.16% -4.82% -4.15% -3.35% -3.63%
201510 8.44% 7.70% 8.83% 7.70% 5.57% 5.52% 5.98% 5.28%
201511 0.30% -0.22% 0.37% 0.08% 1.73% 1.17% 0.91% 2.97%
201512 -1.58% -2.66% -0.41% -1.22% -3.94% -3.66% -2.12% -5.07%
201601 -4.97% -6.62% -6.57% -7.38% -8.82% -5.53% -8.12% -6.66%
201602 -0.14% 0.19% -1.15% 3.12% 0.47% 0.61% 1.20% -0.69%
201603 6.78% 6.46% 6.16% 5.60% 8.22% 9.25% 6.95% 8.26%
201604 0.39% 2.10% -0.40% -1.55% 1.72% 1.57% 0.22% 1.32%
 201605 1.79% 0.80% 3.11% 4.81% 1.78% 1.50% 2.88% 3.35%
201606 0.26% -1.30% -2.35% -1.88% -0.11% -0.98% -1.08% 0.00%
201607 3.68% 3.04% 6.55% 4.19% 5.37% 4.02% 4.95% 4.79%
201608 0.14% 1.34% 1.28% 5.29% 0.88% 0.48% -0.67% 2.29%
201609 0.02% -0.11% 1.77% 1.18% 0.91% -0.14% 0.05% -0.37%
201610 -1.83% -1.54% -2.99% -1.70% -3.87% -2.52% -3.76% -2.73%
201611 3.70% 8.22% 3.89% 7.05% 7.90% 5.56% 4.23% 10.69%
201612 1.98% 1.46% 1.72% 2.03% 1.82% 1.77% 0.06% 3.18%
201701 1.89% 0.52% 3.11% 1.03% 2.13% 1.57% 3.43% 0.57%
201702 3.97% 4.05% 4.24% 3.27% 2.45% 2.95% 3.26% 1.71%
201703 0.11% -0.69% 0.73% -0.15% -0.06% -0.93% 1.22% -0.70%
201704 1.03% 0.20% 1.49% 0.93% 1.13% 0.04% 1.86% 0.03%
201705 1.40% 0.20% 2.96% 1.64% -0.78% 0.31% 2.87% -1.90%
201706 0.62% 2.18% 1.26% 3.03% 2.32% 2.13% 1.06% 2.24%
201707 2.05% 1.36% 0.89% 1.10% 1.11% 0.61% 1.76% 1.52%
201708 0.30% 0.19% 0.72% -0.03% -0.41% -1.60% 0.51% -2.14%
201709 2.07% 3.10% 3.77% 2.48% 4.24% 3.51% 1.95% 6.70%
LARGE CAP MID CAP SMALL CAP
Historical Average 15.12% 14.28% 16.61% 17.75% 16.36% 16.28% 16.85% 16.83%
SD 0.121691 0.133532 0.130639 0.159713 0.156072 0.136933 0.137335 0.157448
Sharpe Ratio 1.160458 0.994246 1.194537 1.048883 0.984195 1.115762 1.15389 1.005543
Exp Ratio 0.04 0.72 0.33 0.71 0.06 0.75 0.73 0.94
MorningStar Ratings 4 4 5 4 3 3 5 4
 Wells Vanguard Metropoli Vanguard
Fidelity American Principal
Fargo Total Diversifie Funds tan West Total Real
Small Internatio Total Bond
d New Estate
Company nal Stock Return Market
Internatio World Securities
Growth Index Bond Index
nal Fund Fund Fund
Fund Fund Fund Fund

WSCRX VTSNX FDIKX RNWGX MWTSX VBTIX PIREX

6.71% 7.82% 8.84% 8.78% 3.74% 1.44% 10.08%
2.60% 3.63% 3.35% 1.90% 2.07% 1.03% 13.13%
6.64% 4.23% 4.73% 5.82% 2.18% 1.20% 6.88%
-6.59% -2.57% -2.08% -1.26% 2.14% 0.43% -3.97%
3.05% 5.63% 3.79% 4.79% 0.98% 1.37% 6.88%
8.16% 2.86% 1.70% 1.93% -0.13% -1.66% 6.47%
-3.80% -3.50% -5.18% -4.00% 2.70% 1.58% -5.56%
4.53% 3.36% -0.15% 0.73% 0.56% 0.21% 6.20%
6.70% 6.27% 6.34% 6.99% 0.63% -0.07% 9.38%
4.39% 2.17% -1.46% 0.14% 2.20% 1.07% 6.42%
-7.78% -8.00% -10.55% -7.95% -0.18% 0.89% -5.32%
-6.47% -5.66% -2.09% 0.07% 1.42% 1.62% -5.54%
5.72% 6.99% 9.42% 8.55% 1.53% 0.95% 10.18%
-5.75% -4.75% -3.68% -1.00% 1.71% 1.49% -1.34%
14.74% 9.47% 10.77% 9.32% 0.67% 0.00% 4.14%
5.18% 3.94% 3.98% 3.48% 1.02% 0.37% 3.60%
6.06% 0.58% -3.29% -3.18% -0.47% -0.56% -1.39%
9.87% 6.81% 7.70% 4.83% -0.67% -1.13% 3.86%
0.60% 0.71% 1.10% -2.71% 0.79% 0.10% 3.47%
6.32% 2.72% 3.28% 0.73% 0.53% 0.17% 4.56%
3.81% -0.42% -1.14% 3.08% 0.21% 0.01% -1.49%
4.21% 5.26% 5.63% 4.22% 1.14% 1.33% 5.54%
-1.58% -2.86% -3.50% -1.65% 1.06% 1.32% 2.04%
-1.35% -1.49% -1.77% -1.43% -0.88% -0.38% -3.01%
-3.56% -1.56% -0.51% -0.39% 1.18% 1.59% 1.29%
-11.95% -8.44% -8.65% -7.51% 0.56% 1.48% -6.30%
-11.02% -12.26% -12.34% -12.44% -0.10% 0.90% -10.77%
15.52% 10.16% 10.93% 10.74% -0.10% 0.17% 15.37%
-0.99% -2.85% -2.87% -3.29% -0.34% -0.29% -3.62%
-0.08% -2.64% -2.63% -2.26% 1.02% 1.09% 4.22%
7.91% 7.34% 6.24% 7.03% 1.70% 0.89% 6.25%
4.90% 5.13% 5.36% 5.57% 0.74% -0.03% -1.40%
3.03% -0.73% 0.63% -0.46% 0.28% -0.57% 5.43%
-1.98% -1.82% -1.12% 0.10% 1.07% 1.15% 3.18%
-8.37% -11.09% -9.73% -9.27% 0.83% 0.96% -4.79%
3.57% 6.02% 5.39% 3.99% 0.46% 0.05% 5.42%
-0.92% 0.42% 1.22% 2.14% 1.94% 1.40% 1.92%
 3.66% 2.75% 2.60% 1.02% 1.03% 0.04% 0.00%
3.77% 3.63% 3.42% 3.80% 1.57% 0.12% -1.93%
-2.37% 0.58% 0.21% 0.31% 0.52% 0.12% -1.11%
-0.10% 1.80% 2.48% 1.50% 0.57% 0.20% -0.26%
3.48% 4.21% 2.34% 3.79% 0.30% -0.19% 3.91%
7.67% 3.34% 3.68% 1.96% 0.25% -0.70% 3.57%
1.05% -1.20% -1.55% -0.67% 0.45% 0.55% -0.10%
4.43% 0.78% 2.29% 0.25% 0.35% 0.09% 3.11%
-1.35% 3.58% 4.74% 2.42% 1.21% 0.92% 6.90%
5.10% -2.95% -1.77% -1.06% -1.26% -1.70% -5.41%
-0.31% -3.75% -2.27% -4.24% -2.21% -1.64% -1.85%
8.63% 4.59% 5.67% 3.59% 0.38% 0.21% 1.41%
-0.81% -1.66% -2.74% -2.82% -0.32% -0.63% -6.74%
6.75% 7.21% 7.22% 6.96% 1.08% 0.97% 3.97%
1.67% 3.46% 3.73% 3.06% 1.15% 0.79% 4.14%
3.31% 0.10% 1.87% 0.35% -0.07% -0.34% -4.44%
3.20% 1.26% 2.53% 0.67% -0.50% -0.64% 0.42%
-0.94% -4.75% -4.45% -4.58% 1.48% 1.56% 3.50%
4.28% 5.42% 5.54% 5.08% 0.50% 0.49% 5.40%
-1.31% 0.40% -1.59% 0.31% -0.07% -0.14% 0.85%
-4.32% 1.30% 0.41% 0.14% 0.83% 0.78% 3.45%
1.61% 1.90% 2.23% 3.48% 1.21% 1.06% 2.39%
7.29% 1.74% 1.23% 1.31% 0.11% 0.12% 0.94%
-5.89% -1.57% -2.32% -1.77% -0.08% -0.25% 0.00%
5.39% 1.06% 0.54% 0.54% 0.88% 1.14% 3.04%
-4.66% -5.01% -3.24% -3.88% -0.40% -0.71% -5.55%
2.97% -0.28% 0.28% 0.97% 0.66% 0.95% 10.91%
0.93% -0.28% 1.33% 0.07% 0.65% 0.66% 2.11%
3.86% -3.65% -2.62% -4.49% 0.23% 0.10% 2.09%
-2.60% 0.18% 0.90% 0.28% 1.79% 2.32% 6.38%
8.32% 5.48% 5.99% 3.60% -0.83% -1.07% -2.63%
1.23% -1.52% -0.52% -0.88% 0.43% 0.42% 1.56%
-1.87% 5.08% 2.27% 2.32% -0.24% -0.35% -5.91%
2.83% -0.94% 1.66% -0.89% -0.20% -0.44% -0.13%
1.98% -2.68% -1.68% -1.50% -0.91% -1.00% -4.39%
-0.11% -0.80% 2.27% -1.47% 0.56% 0.77% 6.10%
-7.04% -7.27% -7.19% -7.71% -0.23% -0.35% -5.92%
-6.25% -3.90% -4.65% -3.30% 0.34% 0.76% 3.25%
1.48% 6.28% 6.47% 6.49% 0.05% 0.02% 5.39%
3.25% -1.33% -0.25% 0.00% -0.14% -0.26% -0.56%
-4.59% -2.02% -1.24% -2.01% -0.34% -0.37% 2.11%
-12.89% -5.64% -6.29% -5.96% 1.15% 1.44% -3.95%
-0.56% -2.24% -2.26% -1.47% 0.53% 0.67% -0.42%
8.43% 8.25% 6.02% 8.21% 0.78% 0.95% 10.09%
1.22% 2.22% 0.62% 1.40% 0.46% 0.39% -2.74%
 2.11% -1.00% 1.32% -0.30% -0.01% 0.02% 2.07%
0.10% -0.96% -4.13% 1.05% 1.54% 1.95% 6.46%
6.89% 4.44% 4.46% 4.57% 0.76% 0.65% 3.75%
1.20% 0.70% 1.01% 1.03% -0.03% -0.16% -3.34%
0.79% 1.42% 1.00% 0.74% 0.04% -0.08% -1.62%
-5.62% -1.75% -3.22% -1.18% -0.62% -0.80% -5.43%
7.77% -2.16% -3.15% -3.79% -2.09% -2.63% -2.41%
-0.02% 2.03% 1.69% 0.64% 0.08% 0.25% 4.55%
3.45% 3.94% 2.98% 5.14% 0.27% 0.30% -0.58%
2.87% 1.47% 1.72% 2.00% 0.67% 0.67% 4.14%
0.70% 2.84% 3.10% 3.21% 0.01% -0.06% -1.91%
0.99% 2.21% 4.15% 3.22% 0.69% 0.77% 0.17%
-1.86% 3.01% 3.88% 2.15% 0.69% 0.68% 0.31%
2.99% 0.52% -0.44% 0.60% -0.02% 0.02% 1.80%
0.95% 3.44% 3.34% 3.83% 0.28% 0.40% 1.07%
-0.72% 0.64% -0.08% 1.76% 0.89% 0.86% 1.27%
4.71% 1.79% 1.78% 1.60% -0.59% -0.74% -1.00%
SMALL CAP INTERNATIONAL FUNDS BOND RE
16.86% 9.29% 9.81% 9.40% 6.11% 3.82% 17.41%
0.178617 0.146914 0.150037 0.139622 0.031701 0.029843 0.165004
0.888189 0.564095 0.58744 0.601508 1.613024 0.945705 0.994775
0.9 0.09 0.64 0.64 0.36 0.04 0.88
2 3 5 5 4 3 5
 MassMut Metropoli
American Principal
ual Select Goldman tan West
Vanguard Funds Real
PRIMECA Mid Cap Sachs Total New Estate
Growth Small Cap Return
P Fund World Securities
Equity Value Bond
Fund Fund
Fund II Fund

Date VPMAX MEFZX GSSUX MWTSX RNWGX PIREX

200907 8.60% 7.82% 10.88% 3.74% 8.78% 10.08%
200908 1.55% 3.32% 3.27% 2.07% 1.90% 13.13%
200909 3.96% 6.73% 4.73% 2.18% 5.82% 6.88%
200910 -2.33% -4.66% -5.28% 2.14% -1.26% -3.97%
200911 7.00% 4.41% 3.73% 0.98% 4.79% 6.88%
200912 4.02% 5.14% 7.67% -0.13% 1.93% 6.47%
201001 -4.75% -3.75% -2.79% 2.70% -4.00% -5.56%
201002 3.52% 4.71% 4.84% 0.56% 0.73% 6.20%
201003 5.05% 7.36% 7.27% 0.63% 6.99% 9.38%
201004 0.30% 4.11% 6.03% 2.20% 0.14% 6.42%
201005 -8.49% -6.97% -7.26% -0.18% -7.95% -5.32%
201006 -5.77% -5.41% -7.34% 1.42% 0.07% -5.54%
201007 7.62% 5.81% 6.58% 1.53% 8.55% 10.18%
201008 -3.45% -4.66% -6.03% 1.71% -1.00% -1.34%
201009 9.15% 11.78% 10.26% 0.67% 9.32% 4.14%
201010 5.06% 3.59% 3.31% 1.02% 3.48% 3.60%
201011 -0.74% 3.39% 3.05% -0.47% -3.18% -1.39%
201012 6.64% 6.13% 7.93% -0.67% 4.83% 3.86%
201101 2.71% 2.35% 0.80% 0.79% -2.71% 3.47%
201102 2.61% 4.34% 5.03% 0.53% 0.73% 4.56%
201103 -0.14% 1.72% 1.69% 0.21% 3.08% -1.49%
201104 3.47% 2.63% 2.15% 1.14% 4.22% 5.54%
201105 -0.70% -1.59% -1.03% 1.06% -1.65% 2.04%
201106 -2.41% -2.02% -2.00% -0.88% -1.43% -3.01%
201107 -2.96% -3.96% -2.38% 1.18% -0.39% 1.29%
201108 -5.82% -5.90% -8.03% 0.56% -7.51% -6.30%
201109 -7.82% -8.36% -11.25% -0.10% -12.44% -10.77%
201110 11.52% 12.26% 14.95% -0.10% 10.74% 15.37%
201111 -0.55% -0.63% 1.46% -0.34% -3.29% -3.62%
201112 -0.37% -1.05% 1.69% 1.02% -2.26% 4.22%
201201 5.39% 6.38% 6.00% 1.70% 7.03% 6.25%
201202 2.56% 4.55% 2.73% 0.74% 5.57% -1.40%
201203 2.14% 2.08% 2.36% 0.28% -0.46% 5.43%
201204 -1.29% 0.37% -0.99% 1.07% 0.10% 3.18%
201205 -6.10% -6.77% -6.24% 0.83% -9.27% -4.79%
201206 4.14% 2.04% 3.10% 0.46% 3.99% 5.42%
201207 1.67% -1.36% 1.24% 1.94% 2.14% 1.92%
201208 2.26% 3.49% 2.88% 1.03% 1.02% 0.00%
201209 1.52% 1.91% 2.07% 1.57% 3.80% -1.93%
201210 -0.93% -2.25% -1.08% 0.52% 0.31% -1.11%
201211 1.99% 2.37% 0.76% 0.57% 1.50% -0.26%
201212 1.52% 1.64% 3.08% 0.30% 3.79% 3.91%
201301 6.81% 6.25% 6.06% 0.25% 1.96% 3.57%
201302 1.84% 1.25% 1.40% 0.45% -0.67% -0.10%
201303 4.97% 4.02% 4.72% 0.35% 0.25% 3.11%
201304 2.45% 0.30% 0.30% 1.21% 2.42% 6.90%
201305 2.28% 3.08% 2.84% -1.26% -1.06% -5.41%
201306 -1.51% -1.04% -0.29% -2.21% -4.24% -1.85%
201307 3.93% 6.62% 6.22% 0.38% 3.59% 1.41%
201308 -1.65% -1.69% -2.87% -0.32% -2.82% -6.74%
201309 4.99% 5.19% 5.66% 1.08% 6.96% 3.97%
201310 4.51% 2.49% 3.61% 1.15% 3.06% 4.14%
201311 4.04% 2.07% 3.84% -0.07% 0.35% -4.44%
201312 1.70% 3.21% 2.18% -0.50% 0.67% 0.42%
201401 -0.77% -0.33% -3.46% 1.48% -4.58% 3.50%
201402 5.87% 5.39% 4.95% 0.50% 5.08% 5.40%
201403 0.00% -1.65% 0.67% -0.07% 0.31% 0.85%
201404 -1.47% -1.79% -2.19% 0.83% 0.14% 3.45%
201405 3.67% 1.61% 1.14% 1.21% 3.48% 2.39%
201406 2.45% 3.69% 4.91% 0.11% 1.31% 0.94%
201407 -0.83% -3.15% -5.84% -0.08% -1.77% 0.00%
201408 3.89% 4.56% 4.72% 0.88% 0.54% 3.04%
201409 -0.33% -3.56% -4.86% -0.40% -3.88% -5.55%
201410 2.22% 4.38% 6.27% 0.66% 0.97% 10.91%
201411 3.32% 3.23% -0.76% 0.65% 0.07% 2.11%
201412 -0.34% 0.46% 2.44% 0.23% -4.49% 2.09%
201501 -1.54% -1.39% -4.35% 1.79% 0.28% 6.38%
201502 5.19% 7.12% 5.92% -0.83% 3.60% -2.63%
201503 -1.26% 1.12% 1.61% 0.43% -0.88% 1.56%
201504 -0.29% -0.60% -1.52% -0.24% 2.32% -5.91%
201505 1.59% 2.53% 0.80% -0.20% -0.89% -0.13%
201506 -2.76% -0.44% 0.23% -0.91% -1.50% -4.39%
201507 1.52% 1.39% -1.49% 0.56% -1.47% 6.10%
201508 -5.81% -4.67% -4.84% -0.23% -7.71% -5.92%
201509 -2.05% -3.35% -3.63% 0.34% -3.30% 3.25%
201510 8.83% 5.98% 5.28% 0.05% 6.49% 5.39%
201511 0.37% 0.91% 2.97% -0.14% 0.00% -0.56%
201512 -0.41% -2.12% -5.07% -0.34% -2.01% 2.11%
201601 -6.57% -8.12% -6.66% 1.15% -5.96% -3.95%
201602 -1.15% 1.20% -0.69% 0.53% -1.47% -0.42%
201603 6.16% 6.95% 8.26% 0.78% 8.21% 10.09%
201604 -0.40% 0.22% 1.32% 0.46% 1.40% -2.74%
 201605 3.11% 2.88% 3.35% -0.01% -0.30% 2.07%
201606 -2.35% -1.08% 0.00% 1.54% 1.05% 6.46%
201607 6.55% 4.95% 4.79% 0.76% 4.57% 3.75%
201608 1.28% -0.67% 2.29% -0.03% 1.03% -3.34%
201609 1.77% 0.05% -0.37% 0.04% 0.74% -1.62%
201610 -2.99% -3.76% -2.73% -0.62% -1.18% -5.43%
201611 3.89% 4.23% 10.69% -2.09% -3.79% -2.41%
201612 1.72% 0.06% 3.18% 0.08% 0.64% 4.55%
201701 3.11% 3.43% 0.57% 0.27% 5.14% -0.58%
201702 4.24% 3.26% 1.71% 0.67% 2.00% 4.14%
201703 0.73% 1.22% -0.70% 0.01% 3.21% -1.91%
201704 1.49% 1.86% 0.03% 0.69% 3.22% 0.17%
201705 2.96% 2.87% -1.90% 0.69% 2.15% 0.31%
201706 1.26% 1.06% 2.24% -0.02% 0.60% 1.80%
201707 0.89% 1.76% 1.52% 0.28% 3.83% 1.07%
201708 0.72% 0.51% -2.14% 0.89% 1.76% 1.27%
201709 3.77% 1.95% 6.70% -0.59% 1.60% -1.00%

Historical Average 1.38% 1.40% 1.40% 0.51% 0.78% 1.45%

SD 0.130639 0.137335 0.157448 0.031701 0.139622 0.165004
Sharpe Ratio 0.029377 0.029411 0.025575 -0.154738 -0.015528 0.027344
Exp Ratio 0.33 0.73 0.94 0.36 0.64 0.88
MorningStar Ratings 5 5 4 4 5 5

If the tangent theory is used to allocate weights

 Excess Retunrs
VPMAX MEFZX GSSUX MWTSX RNWGX PIREX
7.22% 6.41% 9.48% 3.23% 8.00% 8.63%
0.17% 1.92% 1.87% 1.56% 1.12% 11.68%
2.58% 5.32% 3.33% 1.67% 5.04% 5.42%
-3.71% -6.06% -6.69% 1.63% -2.04% -5.42%
5.61% 3.00% 2.33% 0.47% 4.01% 5.43%
2.64% 3.73% 6.27% -0.64% 1.14% 5.02%
-6.14% -5.16% -4.20% 2.19% -4.79% -7.01%
2.14% 3.31% 3.44% 0.05% -0.05% 4.75%
3.67% 5.96% 5.87% 0.12% 6.20% 7.93%
-1.09% 2.71% 4.62% 1.69% -0.64% 4.97%
-9.88% -8.38% -8.66% -0.69% -8.74% -6.77%
-7.15% -6.82% -8.75% 0.91% -0.72% -7.00%
6.24% 4.41% 5.18% 1.02% 7.76% 8.73%
-4.83% -6.06% -7.44% 1.20% -1.79% -2.79%
7.76% 10.38% 8.85% 0.16% 8.53% 2.69%
3.68% 2.19% 1.91% 0.51% 2.69% 2.15%
-2.13% 1.99% 1.64% -0.97% -3.96% -2.84%
5.26% 4.72% 6.52% -1.18% 4.05% 2.41%
1.33% 0.94% -0.61% 0.28% -3.49% 2.02%
1.23% 2.94% 3.63% 0.02% -0.05% 3.11%
-1.52% 0.32% 0.29% -0.30% 2.30% -2.94%
2.08% 1.22% 0.75% 0.64% 3.44% 4.09%
-2.08% -3.00% -2.43% 0.55% -2.44% 0.59%
-3.80% -3.43% -3.40% -1.39% -2.22% -4.46%
-4.34% -5.36% -3.78% 0.67% -1.18% -0.16%
-7.21% -7.30% -9.43% 0.05% -8.29% -7.75%
-9.21% -9.76% -12.65% -0.61% -13.22% -12.22%
10.13% 10.86% 13.54% -0.61% 9.96% 13.92%
-1.93% -2.04% 0.06% -0.85% -4.08% -5.07%
-1.75% -2.46% 0.29% 0.51% -3.04% 2.77%
4.00% 4.97% 4.60% 1.19% 6.24% 4.80%
1.18% 3.14% 1.32% 0.23% 4.79% -2.85%
0.75% 0.68% 0.96% -0.22% -1.24% 3.98%
-2.67% -1.03% -2.39% 0.56% -0.69% 1.72%
-7.49% -8.17% -7.64% 0.32% -10.05% -6.24%
2.75% 0.64% 1.70% -0.05% 3.21% 3.97%
0.29% -2.76% -0.16% 1.43% 1.36% 0.47%
 0.88% 2.09% 1.48% 0.52% 0.24% -1.45%
0.14% 0.51% 0.67% 1.06% 3.02% -3.38%
-2.31% -3.65% -2.48% 0.01% -0.48% -2.56%
0.61% 0.96% -0.64% 0.06% 0.72% -1.71%
0.14% 0.24% 1.68% -0.21% 3.01% 2.46%
5.43% 4.85% 4.66% -0.26% 1.18% 2.12%
0.46% -0.15% -0.01% -0.06% -1.45% -1.55%
3.59% 2.62% 3.32% -0.16% -0.53% 1.66%
1.07% -1.11% -1.10% 0.70% 1.64% 5.45%
0.89% 1.68% 1.44% -1.77% -1.84% -6.86%
-2.89% -2.44% -1.69% -2.72% -5.03% -3.30%
2.55% 5.22% 4.82% -0.13% 2.81% -0.04%
-3.04% -3.09% -4.27% -0.83% -3.61% -8.19%
3.60% 3.78% 4.25% 0.57% 6.17% 2.52%
3.13% 1.09% 2.21% 0.64% 2.28% 2.69%
2.66% 0.67% 2.44% -0.58% -0.43% -5.89%
0.32% 1.80% 0.77% -1.01% -0.12% -1.03%
-2.16% -1.73% -4.86% 0.97% -5.36% 2.05%
4.49% 3.99% 3.54% -0.01% 4.30% 3.94%
-1.38% -3.06% -0.74% -0.58% -0.48% -0.60%
-2.86% -3.19% -3.60% 0.32% -0.65% 2.00%
2.29% 0.20% -0.26% 0.70% 2.70% 0.94%
1.07% 2.28% 3.51% -0.40% 0.52% -0.51%
-2.21% -4.55% -7.24% -0.59% -2.56% -1.45%
2.51% 3.16% 3.32% 0.37% -0.24% 1.59%
-1.72% -4.96% -6.27% -0.91% -4.67% -7.00%
0.84% 2.97% 4.87% 0.15% 0.18% 9.46%
1.94% 1.83% -2.16% 0.14% -0.72% 0.66%
-1.73% -0.95% 1.04% -0.28% -5.27% 0.64%
-2.92% -2.80% -5.75% 1.28% -0.50% 4.92%
3.81% 5.72% 4.52% -1.34% 2.81% -4.08%
-2.64% -0.29% 0.21% -0.08% -1.66% 0.10%
-1.68% -2.01% -2.92% -0.75% 1.54% -7.37%
0.21% 1.12% -0.61% -0.71% -1.67% -1.58%
-4.15% -1.85% -1.17% -1.42% -2.29% -5.84%
0.13% -0.02% -2.89% 0.05% -2.26% 4.64%
-7.19% -6.08% -6.24% -0.74% -8.49% -7.37%
-3.43% -4.76% -5.04% -0.17% -4.08% 1.80%
7.45% 4.57% 3.87% -0.46% 5.71% 3.94%
-1.01% -0.50% 1.57% -0.65% -0.78% -2.01%
-1.80% -3.52% -6.47% -0.85% -2.79% 0.66%
-7.95% -9.52% -8.06% 0.64% -6.75% -5.40%
-2.53% -0.20% -2.09% 0.02% -2.25% -1.87%
4.78% 5.54% 6.86% 0.27% 7.42% 8.63%
-1.79% -1.18% -0.08% -0.05% 0.61% -4.19%
 1.73% 1.48% 1.95% -0.52% -1.08% 0.62%
-3.73% -2.48% -1.40% 1.03% 0.26% 5.01%
5.16% 3.55% 3.39% 0.25% 3.79% 2.29%
-0.11% -2.08% 0.89% -0.54% 0.24% -4.79%
0.39% -1.35% -1.78% -0.47% -0.04% -3.08%
-4.37% -5.16% -4.14% -1.13% -1.96% -6.88%
2.51% 2.83% 9.29% -2.60% -4.57% -3.86%
0.34% -1.34% 1.77% -0.43% -0.14% 3.10%
1.73% 2.03% -0.84% -0.24% 4.35% -2.03%
2.86% 1.86% 0.30% 0.16% 1.21% 2.69%
-0.66% -0.18% -2.10% -0.50% 2.43% -3.36% 1X6
0.10% 0.46% -1.37% 0.18% 2.43% -1.28%
1.58% 1.46% -3.30% 0.18% 1.36% -1.15%
-0.12% -0.35% 0.84% -0.53% -0.18% 0.35%
-0.49% 0.36% 0.12% -0.23% 3.04% -0.38%
-0.67% -0.89% -3.54% 0.38% 0.97% -0.18%
2.38% 0.55% 5.29% -1.10% 0.82% -2.45%

VPMAX MEFZX GSSUX MWTSX RNWGX PIREX Weights

VPMAX 0.0014079 0.0013653 0.0014689458 1.8100095E-05 0.0012463 0.0011723 0.341055
MEFZX 0.0013653 0.0015559 0.0016323816 1.2206517E-05 0.0012633 0.0012212 0.327617
GSSUX 0.0014689 0.0016324 0.0020449571 -9.934547E-06 0.0013156 0.0013453 0
MWTSX 1.81E-05 1.221E-05 -9.934547E-06 8.2902039E-05 9.813E-05 0.0001726 0
RNWGX 0.0012463 0.0012633 0.0013155599 9.8132424E-05 0.0016081 0.0012085 0
PIREX 0.0011723 0.0012212 0.0013452534 0.0001725984 0.0012085 0.0022459 0.331327
1

is used to allocate weights for MFs to maximise sharpe ratio, the expected return (monthly) is 1.41%, which implies an annual portfolio re
 6X6 6X1

Portfolio Return 1.41%

Portfolio Var 0.001412471767288
Portfolio SD 0.037582865341641
Portfolio Sharpe Ratio 0.10981298161129

Expected Return 1.41%

mplies an annual portfolio return of 16.95%, which is quite good