Hi Ben,
2008 Results*(-2.94%)
*Results of net of all fund expenses and 401k plan administration fees (see below).
Long-Term Results (as of 03/31/2008)
| 1 Year | 3 Years | 5 Years |
Annualized Return | -2.69% | 6.96% | 9.85% |
Standard Deviation | 8.07% | 6.54% | 6.36% |
Sharpe Ratio (Ex-Post) | (0.74) | 0.45 | 1.04 |
Fund Inflows in March 2008
January contributions were as follows: MIPYX (52%), OYRDX (25%), FCNTX (12%), VIPSX (10%), and MIEDX (1%).
Projected Fund Inflows for April 2008
Currently April 2008 401k contributions will be allocated to OYDRX (60%), FCNTX (29%), and MIPYX (11%) to get my large cap core/growth, large cap value, and inflation-protected bond allocations closer to their targets. All allocations are within the 5/25 rule as shown on following table.
Portfolio as of April 1, 2008
ASSET CLASS | Current Allocation | Target Allocation |
Fixed Income | 31.32% | 30.00% |
MM Inflation Protected Bond (MIPYX) | 4.41% | |
Vanguard Inflation-Protected Securities (VIPSX) | 1.38% | |
MM Premier Strategic Income (MISLX) | 24.96% | |
State Street Money Market (SSMXX) | 0.56% | |
US Large Cap Value | 7.03% | 7.50% |
Vanguard Value Index (VIVAX) | 6.51% | |
Oppenheimer Rising Dividends (OYRDX) | 0.52% | |
US Large Cap Blend/Growth | 7.27% | 7.50% |
Fidelity Contrafund (FCNTX) | 7.27% | |
US Mid/Small Cap Value | 6.16% | 7.50% |
Vanguard Small Cap Value (VISVX) | 6.16% | |
US Mid/Small Cap Blend/Growth | 7.89% | 7.50% |
MM Small Cap Growth Equity (MSGSX) | 0.00% | |
T Rowe Price New Horizons (PRNHX) | 6.13% | |
Vanguard Mid Cap Index (VIMSX) | 1.76% | |
Real Estate Investment Trust | 20.34% | 20.00% |
Vanguard REIT Index (VGSIX) | 20.34% | |
International | 20.00% | 20.00% |
Vanguard International Value (VTRIX) | 9.80% | |
Vanguard Total International Index (VGTSX) | 10.20% | |
MM International Equity (MIEDX) | 0.00% | |
YTD Returns of Currently Held Funds
Vanguard Inflation Protected Securities (VIPSX) | 5.31% |
MassMutual Premier Inflation-Protected Bond (MIPYX) | 5.04% |
MassMutual Premier Strategic Income (MISLX) | 2.01% |
Vanguard Value Index (VIVAX) | -9.02% |
Oppenheimer Rising Dividends (OYRDX) | -7.43% |
Fidelity Contrafund (FCNTX) | -11.27% |
Vanguard Small Cap Value (VISVX) | -6.52% |
Vanguard Mid Cap Index (VIMSX) | -10.51% |
T Rowe Price New Horizons (PRNHX) | -12.51% |
Vanguard REIT Index (VGSIX) | 2.12% |
Vanguard International Value (VTRIX) | -8.29% |
Vanguard Total International Index (VGTSX) | -8.90% |
MassMutual (International Equity (MIEDX) | -9.35% |
CURRENT PORTFOLIO STATS (M* X-Ray)
Equity Style Box
| Value | Core | Growth |
Large Cap | 18 | 19 | 11 |
Mid Cap | 8 | 18 | 6 |
Small Cap | 10 | 6 | 3 |
Bond Style Box
24% Long-Term High Credit Quality
76% Intermediate-Term Medium Credit Quality
Yield (3.60%)
Expenses (0.16% 401k Plan wrap fees + 0.49% fund expenses)
P/E Forward Ratio (16.59)
P/B Ratio (2.01)
ROA (5.97)
ROE (17.07)
ASSET ALLOCATION (M* X-Ray)
ASSET CLASS | Current Allocation | Target Allocation |
Cash | 6.84% | 0.00% |
US Stocks | 46.08% | 50.00% |
Foreign Stocks | 21.23% | 20.00% |
Bonds | 23.60% | 30.00% |
Other | |
