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Composite Personal Strategy®
& Alternative Comparative Benchmark Returns
| Type | 1 Year Annualized | 3 Year Annualized | 5 Year Annualized | 10 Year Annualized | Since Inception Annualized | |
|---|---|---|---|---|---|---|
| FULL GROWTH (1)i | ||||||
| Composite Personal Strategy | -16.8% | 3.6% | 4.9% | 7.6% | 9.3% | |
| Comparative Equal Sector Weighted | -12.2% | 5.0% | 5.4% | 7.3% | 8.4% | |
| Comparative Equal Weighted S&P 500 | -12.7% | 5.2% | 5.4% | 7.6% | 8.9% | |
| Comparative Benchmark (Capitalization Weighted) | -17.2% | 4.2% | 5.3% | 7.6% | 8.9% | |
| GROWTH (3)ii | ||||||
| Composite Personal Strategy | -15.7% | 3.2% | 4.5% | 6.7% | 8.2% | |
| Comparative Equal Sector Weighted | -12.4% | 4.2% | 4.8% | 6.4% | 7.5% | |
| Comparative Equal Weighted S&P 500 | -12.8% | 4.4% | 4.8% | 6.7% | 7.9% | |
| Comparative Benchmark (Capitalization Weighted) | -16.7% | 3.4% | 4.7% | 6.7% | 7.9% | |
| BALANCED GROWTH PLUS (5)iii | ||||||
| Composite Personal Strategy | -14.5% | 2.7% | 4.0% | 5.7% | 6.5% | |
| Comparative Equal Sector Weighted | -12.6% | 3.1% | 4.0% | 5.4% | 5.9% | |
| Comparative Equal Weighted S&P 500 | -12.9% | 3.4% | 4.1% | 5.7% | 6.3% | |
| Comparative Benchmark (Capitalization Weighted) | -16.2% | 2.5% | 4.0% | 5.6% | 6.2% | |
| BALANCED (7)iv | ||||||
| Composite Personal Strategy | -13.2% | 2.1% | 3.3% | 4.6% | 5.4% | |
| Comparative Equal Sector Weighted | -12.8% | 2.0% | 3.2% | 4.4% | 4.8% | |
| Comparative Equal Weighted S&P 500 | -13.1% | 2.2% | 3.3% | 4.6% | 5.1% | |
| Comparative Benchmark (Capitalization Weighted) | -15.7% | 1.5% | 3.1% | 4.6% | 5.1% | |
| BALANCED STABILITY TILT (8)v | ||||||
| Composite Personal Strategy | -12.3% | 1.6% | 2.9% | 3.8% | 4.5% | |
| Comparative Equal Sector Weighted | -13.0% | 1.1% | 2.5% | 3.5% | 4.0% | |
| Comparative Equal Weighted S&P 500 | -13.2% | 1.3% | 2.6% | 3.7% | 4.2% | |
| Comparative Benchmark (Capitalization Weighted) | -15.4% | 0.7% | 2.4% | 3.7% | 4.2% | |
All annualized figures reported as of 12/31/2022
See Our Socially Responsible Portfolio Performance
Past performance is not a guarantee of future return, nor is it necessarily indicative of future performance. All investments involve risk, including the potential for loss of principal. Performance is shown net of fees and reflects the reinvestment of interest and dividends. Accounts in the composite are billed on a tiered fee schedule and larger accounts generally pay a lower overall fee rate than other accounts. Employee and other affiliated accounts, which are generally charged a reduced fee, are included in the composites. Personal Strategies generally employ investments in an array of individual securities and ETFs representing domestic equities, international equities, fixed income and alternative investments such as real estate and commodities. ETF-only and socially responsible strategies were not considered in performance calculations.
In 2012, only accounts trading for the full year were included in performance calculations. Beginning 2013 for both composite personal strategies and comparative benchmarks, returns were derived by linking respective quarterly returns. For each composite personal strategy, only accounts trading for an entire quarter were included. Prior to 2019, accounts with greater than ten percent individual custom restrictions resulting in greater than two percent difference in performance results were not included in composites. From Q1 2019 through Q1 2021, all portfolios deviating more than two percent from the median composite return, in either direction, were excluded. Starting Q2 2021, for strategies with greater than one hundred portfolios, all those deviating more than ten percent from the median composite return, in either direction, were excluded. For those strategies with less than one hundred portfolios, the two percent deviation threshold continues to be used. Individual account performance will vary depending upon the amount of assets under management and the timing of any additions and withdrawals and may be higher or lower than the performance depicted. Figures reported are time-weighted returns.
Each comparative benchmark is a mix of total return for a portfolio of exchange traded funds intended to represent a blend of five major asset classes: US Equities, International Equities, US Bonds, International Bonds and Alternatives. Asset allocations of the comparative benchmarks are similar to respective Personal Strategies and serve as a reasonable benchmark for a basic long-term diversified approach with a similar risk level. All Personal Strategy returns are net of fees. The respective blended benchmark allocations, individual strategy assignment, and associated rebalancing are characteristics of a professionally managed portfolio. As such, a hypothetical quarterly fee of 0.2075% was deducted from all comparative benchmark returns except those used for Tactical America which is a single asset class. This fee represents the average of all Personal Capital clients as of 6/30/2017.
[i] Full Growth (1) Strategy. Inception Date: 9/30/2011. Representative Benchmark: 57.3% US Equities (RSP for Equal Weighted S&P 500, EQL for Equal Sector Weighted), 28.7% International Equities (VEU), 3.4% US Bonds (AGG), 0.6% International Bonds (IGOV), 10.0% Alternatives (equal split VNQ/IAU/DBC)
[ii] Growth (3) Strategy. Inception Date: 9/30/2011. Representative Benchmark: 50.0% US Equities (RSP for Equal Weighted S&P 500, EQL for Equal Sector Weighted), 25.0% International Equities (VEU), 12.7% US Bonds (AGG), 2.3% International Bonds (IGOV), 10.0% Alternatives (equal split VNQ/IAU/DBC)
[iii] Balanced Growth Plus (5) Strategy. Inception Date: 12/31/2011. Representative Benchmark: 41.7% US Equities (RSP for Equal Weighted S&P 500, EQL for Equal Sector Weighted), 20.8% International Equities (VEU), 23.4% US Bonds (AGG), 4.1% International Bonds (IGOV), 10.0% Alternatives (equal split VNQ/IAU/DBC)
[iv] Balanced (7) Strategy. Inception Date: 12/31/2011. Representative Benchmark: 33.3% US Equities (RSP for Equal Weighted S&P 500, EQL for Equal Sector Weighted), 16.7% International Equities (VEU), 34.0% US Bonds (AGG), 6.0% International Bonds (IGOV), 10.0% Alternatives (equal split VNQ/IAU/DBC)
[v] Balanced Stability Tilt (8) Strategy. Inception Date: 12/31/2011. Representative Benchmark: 26.7% US Equities (RSP for Equal Weighted S&P 500, EQL for Equal Sector Weighted), 13.3% International Equities (VEU), 42.5% US Bonds (AGG), 7.5% International Bonds (IGOV), 10.0% Alternatives (equal split VNQ/IAU/DBC)
RSP - Invesco S&P 500 Equal Weight ETF - The investment seeks to track performance of the S&P 500 Equal Weighted Index, which is an index of the 500 largest stocks in the US which all possess the same weight.
EQL - ALPS Equal Sector Weight ETF - The investment seeks to track the performance of the NYSE® Equal Sector Weight Index, a benchmark index comprised of all active Select Sector SPDR® ETFs in an equal weighted portfolio.
VEU - Vanguard FTSE All-World ex-US ETF - The investment seeks to track the performance of the FTSE All-World ex US Index, which measures the investment return of stocks of companies located in developed and emerging markets outside of the United States.
VEU - Vanguard FTSE All-World ex-US ETF - The investment seeks to track the performance of the FTSE All-World ex US Index, which measures the investment return of stocks of companies located in developed and emerging markets outside of the United States.
IGOV - iShares S&P/Citigroup Intl Trsry Bond - The Fund seeks investment results that correspond to the price and yield performance, of the S&P/Citigroup International Treasury Bond Index Ex US (the Index).
VNQ – Vanguard REIT - The fund employs an indexing investment approach designed to track the performance of the MSCI U.S. REIT Index.
IAU – iShares Gold Trust – The trust seeks to reflect generally the performance of the price of gold.
DBC – Powershares DB Commodity Index Tracking Fund - The Fund is based on the DBIQ Optimum Yield Diversified Commodity Index Excess Return Index. The Fund invests in sectors, such as light sweet crude oil (WTI), heating oil, natural gas, Brent crude, gold, silver, aluminum, zinc, copper grade A, corn, wheat, soybeans and sugar.
Advisory services are provided for a fee by either Personal Capital Advisors Corporation ("PCAC") or Empower Advisory Group, LLC (“EAG”) depending on your specific investment advisory services agreement. Both PCAC and EAG are registered investment advisers with the Securities and Exchange Commission (“SEC”) and subsidiaries of Empower Annuity Insurance Company of America. Registration does not imply a certain level of skill or training. Investing involves risk. Past performance is not indicative of future returns. You may lose money. All visuals are illustrative only. Actors are not PCAC or EAG clients.
Investing involves risk, including possible loss of principal.
Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government Agency
Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower for a prospectus, summary prospectus for SEC-registered products or disclosure document for unregistered products, if available, containing this information. Read each carefully before investing.
Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc., Member FINRA/SIPC, EFSI is an affiliate of Empower Retirement, LLC.
