The questionnaire suggests one of 9 asset allocations based on the information you provide. Investment returns for the asset allocations are based on the following benchmark indexes:
Source: The Vanguard Group.
* For U.S. short-term reserves, we use the Ibbotson U.S. 30-Day Treasury Bill Index from 1926 to 1977, and the Citigroup 3-Month U.S. Treasury Bill Index thereafter.
** For U.S. bond market returns, we use the Standard & Poor’s High Grade Corporate Index from 1926 to 1968; the Citigroup High Grade Index from 1969 to 1972; the Lehman U.S. Long Credit Aa Index from 1973 to 1975; the Barclays U.S. Aggregate Bond Index through December 31, 2009; and the Barclays U.S. Aggregate Float Adjusted Index thereafter.
*** For U.S. stock market returns, we use the Standard & Poor’s 90 Index from 1926 to March 3, 1957; the Standard & Poor’s 500 Index from March 4, 1957 to 1974; the Wilshire 5000 Index from 1975 to April 22, 2005; and the MSCI US Broad Market Index thereafter.
Keep in mind that the suggested allocation and funds are based on limited information. Conduct additional research or consult a professional advisor for more detailed recommendations.
Annual returns and inflation for a given asset allocation are based on historic data from 1926 through the last calendar year. Past performance is not a guarantee or a prediction of future results.