11/10/2019 Site Builder Morningstar Instant X-Ray Print Report Current Value Date 100.00 11/10/2019 Asset Allocation Bench Long% Short% Net% mark% Cash 0.02 0.00 0.02 0.00 US Stocks 73.90 0.00 73.90 99.04 Non-US Stocks 26.06 0.00 26.06 0.96 Bonds 0.00 0.00 0.00 0.00 Other 0.02 0.00 0.02 0.00 Not classified 0.00 0.00 0.00 0.00 Total 100.00 0.00 100.00 100.00 Your portfolio is aggressive. An asset mix such as yours normally generates high long-term returns but can be very volatile. Financial planners typically recommend these types of mixes for investors who have investment horizons longer than 10 years, need high returns, and are comfortable with a high level of risk. World Regions Non-US Stock% Stock% Proxy% Greater Asia Americas Greater Europe Americas 75.33 5.37 1.66 North America 73.93 0.00 1.63 Latin America 1.40 5.37 0.03 Greater Europe 10.05 38.55 61.23 United Kingdom 2.69 10.32 15.76 Europe Developed 5.50 21.10 45.02 Europe Emerging 0.39 1.50 0.00 Africa/Middle East 1.47 5.64 0.45 Greater Asia 14.62 56.08 37.11 Japan 4.08 15.65 24.76 Australasia 1.83 7.02 7.07 Asia Developed 4.18 16.03 4.77 Asia Emerging 4.53 17.38 0.50 Not classified 0.00 0.00 0.00 Index Proxy: iShares MSCI EAFE Index https://awrd.morningstar.com/SBT/Tools/PA/Default.aspx?PageViewID=Print&tabIndex=1&encryptToken=A17B20FC655D455C6A606066EE82830D 1/4 11/10/2019 Site Builder You have a fairly healthy stake in foreign stocks. Comparing your exposure with a common international index: You have a lot of exposure to regions marked by this icon. You have a large exposure in Asia Emerging. While stocks in this region have the potential to turn in high returns, they also carry special political, currency, and other risks. You have very little exposure to regions marked by this icon. Please note that you have a low weighting in Europe Developed, the largest region of the international market. Underweighting this region a little probably isn't a big deal, but you shouldn't neglect such a large and important region without good reason. Stock Sectors Stock% Benchmark% Portfolio Benchmark Energy 3.27 3.31 Materials 5.50 0.00 Industrials 16.00 15.48 Consumer Discretionary 14.31 0.00 Consumer Staples 5.49 0.00 Health Care 6.50 0.00 Financials 16.06 0.00 Information Technology 12.50 0.00 Communication Services 3.09 0.00 Utilities 3.29 3.47 Real Estate 13.99 7.40 Not classified 0.00 0.00 0 20 40 60 80 100 Change benchmark: S&P 500 Similar investment style You have a "Small Cap" portfolio. Compared with a benchmark with a similar investment style: You have a lot of exposure to sectors marked by this icon. You should take special note of your large stake in the information technology area. These stocks can turn in huge returns, but they can also be volatile and their prices often move together. Keep in mind that younger companies in this area may not be profitable yet. You should also look at your exposure to financial. It, too, is large. These stocks may not be the riskiest ones out there, but they can react strongly to factors that affect the stock market, such as rises in interest rates. Thus, overweighting financial may not be the best way to improve your portfolio's diversification. You have very little exposure to sectors marked by this icon. Stock Style Bond Style https://awrd.morningstar.com/SBT/Tools/PA/Default.aspx?PageViewID=Print&tabIndex=1&encryptToken=A17B20FC655D455C6A606066EE82830D 2/4 11/10/2019 Site Builder Your overall portfolio Small Cap style: Compared with the broader market, your portfolio's stock exposure is biased toward small- and mid-cap companies. Among these issues, it is worth noting that you have a healthy mix of conservatively priced value stocks and aggressively- priced growth issues. Depending on your investment goals, you may want to further diversify your portfolio by increasing your exposure to large-cap companies. Stock Stats Bond Stats Portfolio Benchmark Effective duration — Price/earnings 14.44 20.85 Effective maturity — Price/book 1.63 3.22 Return on assets (ROA) 5.76 8.99 Return on equity (ROE) 15.67 26.14 Average market cap ($M) 4,088.69 115,036.44 Stock Type Fees & Expenses % of Stocks Portfolio Benchmark Expense ratio 0.27 High yield 4.64 7.39 Average gross expense ratio 0.27 Distressed 1.46 2.24 Potential cap gains 4.94 Hard asset 13.63 9.64 Cyclical 35.00 41.88 Slow growth 8.67 9.80 The mutual funds in your portfolio tend to have very low expense ratios. This is good, because expense ratios have been Classic growth 5.32 9.01 shown to be a major factor in mutual-fund performance over Aggressive growth 3.30 5.86 the long term. Speculative growth 1.05 9.35 Not classified 26.93 2.96 Change S&P 500 benchmark: Similar investment style https://awrd.morningstar.com/SBT/Tools/PA/Default.aspx?PageViewID=Print&tabIndex=1&encryptToken=A17B20FC655D455C6A606066EE82830D 3/4 11/10/2019 Site Builder You have a "Small Cap" portfolio. Compared with a benchmark with a similar investment style: You have a lot of exposure to stock types marked by this icon. You have very little exposure to types marked by this icon. Top 10 Holdings Asset% Name Type Category/Sector Country 40.00 Vanguard US Multifactor ETF (USD, VFMF) ETF US Equity Mid Cap United States 25.00 SPDR® S&P 600 Small Cap Value ETF (USD, ETF US Equity Small Cap United States SLYV) 15.00 WisdomTree International SmallCp Div ETF ETF Global Equity Mid/Small Cap United States (USD, DLS) 10.00 Schwab US REIT ETF™ (USD, SCHH) ETF Real Estate Sector Equity United States 10.00 WisdomTree Emerging Markets SmCp Div ETF ETF Global Emerging Markets United States (USD, DGS) Equity https://awrd.morningstar.com/SBT/Tools/PA/Default.aspx?PageViewID=Print&tabIndex=1&encryptToken=A17B20FC655D455C6A606066EE82830D 4/4
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