All insight provided though Strategy Projection represents a courtesy extended to you for educational purpose and you should not rely on this information as the primary basis of your investment, financial, or tax planning decisions. You should consult your legal or tax professional regarding your specific situation.

Past performance is not a guarantee of future return, nor is it necessarily indicative of future performance. Keep in mind investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

Comparative analysis, including Monte Carlo analysis, is intended to illustrate hypothetical performance of your primary strategy based on a long-term historical asset class performance and is not meant to imply actual performance or results.

Much of the analysis does not include effect of taxes or inflation, and only estimates the effect of fees all of which can have a material impact on the actual return.

Strategy Projection relies on content and <link>data sources</link> supplied by companies that are not affiliated with Personal Capital.


Data Sources link should point to the centralized content as follows:

Data sources: Ibbotson Associates, MSCI, Standard & Poor’s, World Gold Council, BP.com, US Energy Information Administration, Robert Shiller Online, MIT Center For Real Estate, Yahoo Finance. Calculations are based on the long-term historical performance of asset classes using a combination of indexes and ETFs as proxies: S&P 500, MSCI EAFE and MSCI ACWI ex-US, 10 Year U.S. Treasuries, S&P/Citigroup International Treasury Bond Ex-US, 30 Day T-Bills, as well as IEF, IGOV, VNQ, IAU, and DBC. Prior to 2007, the Alternative asset class is represented by a hypothetical index of 50% real estate and a 50% gold/oil combination. Each year thereafter it is comprised of 50% real estate and a 50% blend of diversified commodities and gold ETFs. Portfolio standard deviation, correlation, and expected returns are based on average annual performance included in source data: domestic equities since 1926,  international equities since 1970, domestic fixed since 1926, international fixed since 2002, alternatives since 1970 and cash since 1926.

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