Personal Investors

Assumptions

The investor questionnaire suggests 1 of 9 asset allocations based on your answers to the questions. Investment returns for the asset allocations are based on the following benchmark indexes:

Asset class Benchmark index 
Stocks CRSP US Total Market Index*
Bonds Bloomberg Barclays U.S. Aggregate Float Adjusted Index**
Short-term reserves FTSE 3-Month Treasury Bill Index***

 

Source: The Vanguard Group.

Keep in mind that the suggested allocation is based on limited information. You should conduct additional research or consult a professional advisor for more detailed recommendations.

 

*For U.S. stock market returns, we use the S&P 90 Index from 1926 through March 3, 1957; the S&P 500 Index from March 4, 1957, through 1974; the Dow Jones U.S. Total Stock Market Index (formerly known as the Dow Jones Wilshire 5000 Index) from 1975 through April 22, 2005; the MSCI US Broad Market Index from April 23, 2005, through June 2, 2013; and the CRSP US Total Market Index thereafter.

**For U.S. bond market returns, we use the S&P High Grade Corporate Index from 1926 through 1968; the Citigroup High Grade Index from 1969 through 1972; the Lehman Brothers U.S. Long Credit AA Index from 1973 through 1975; the Bloomberg Barclays U.S. Aggregate Bond Index from 1976 through 2009; and the Bloomberg Barclays U.S. Aggregate Float Adjusted Index thereafter.

***For U.S. short-term reserves, we use the Ibbotson U.S. 30-Day Treasury Bill Index from 1926 through 1977 and the FTSE 3-Month U.S. Treasury Bill Index thereafter.

Past performance is not a guarantee or prediction of future results.

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