Asset Allocation Long% Short% Net% Bench mark% Cash 1.46 0.00 1.46 0.00 US Stocks 58.91 0.00 58.91 99.04 Non-US Stocks 39.54 0.00 39.54 0.96 Bonds 0.05 0.00 0.05 0.00 Other 0.04 0.00 0.04 0.00 Not classified 0.00 0.00 0.00 0.00 Total 100.00 0.00 100.00 100.00 World Regions Greater Asia Americas Greater Europe Stock% Non-US Stock% Proxy% Americas 63.30 2.32 0.61 North America 62.43 0.00 0.61 Latin America 0.87 2.32 0.00 Greater Europe 17.93 47.72 62.29 United Kingdom 4.14 11.02 14.54 Europe Developed 12.10 32.21 47.16 Europe Emerging 0.63 1.68 0.00 Africa/Middle East 1.06 2.82 0.60 Greater Asia 18.77 49.96 37.10 Japan 7.19 19.14 25.61 Australasia 1.83 4.87 7.01 Asia Developed 4.10 10.91 4.27 Asia Emerging 5.65 15.04 0.20 Not classified 0.00 0.00 0.00 Index Proxy: iShares MSCI EAFE Index Current Value Date 10,000.00 6/19/2020 Morningstar Instant X-Ray Print Report 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. 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. Stock Sectors Portfolio Benchmark 100 80 60 40 20 0 Stock Style Your overall portfolio style: Core Your portfolio's stock exposure is spread evenly across the market and includes a good mix of small, medium, and large companies, as well as a fairly even mix of conservatively priced value stocks and high-flying growth stocks. For most investors, maintaining such broad-based market exposure is a prudent way to invest. Bond Style Stock Stats Portfolio Benchmark Price/earnings 16.38 22.28 Price/book 1.91 3.23 Bond Stats Effective duration — Effective maturity — Stock% Benchmark% Energy 3.51 2.79 Materials 5.18 3.80 Industrials 10.83 10.87 Consumer Discretionary 11.13 10.31 Consumer Staples 7.55 6.20 Health Care 13.38 15.97 Financials 13.40 12.59 Information Technology 19.06 22.25 Communication Services 8.35 8.36 Utilities 3.64 3.22 Real Estate 3.97 0.00 Not classified 0.00 0.00 Change benchmark: S&P 500 Similar investment style Your stock portfolio is too heavily geared toward foreign stocks for us to provide a written evaluation of your sector exposure. You can still examine the sector weightings of those holdings for which data are available. Top 10 Holdings Return on assets (ROA) 7.59 9.24 Return on equity (ROE) 21.18 26.79 Average market cap ($M) 40,219.04 131,432.33 Stock Type % of Stocks Portfolio Benchmark High yield 19.93 33.23 Distressed 0.40 1.79 Hard asset 4.18 6.08 Cyclical 14.35 24.11 Slow growth 2.89 3.19 Classic growth 4.34 4.93 Aggressive growth 11.30 19.60 Speculative growth 1.26 4.17 Not classified 41.36 2.30 Change benchmark: S&P 500 Similar investment style Your stock portfolio is too heavily geared toward foreign stocks for us to provide a written evaluation of your stock-type exposure. You can still examine the type weightings of those holdings for which data are available. Fees & Expenses Expense ratio 0.09 Average gross expense ratio 0.09 Potential cap gains 22.41 The mutual funds in your portfolio tend to have very low expense ratios. This is good, because expense ratios have been shown to be a major factor in mutual-fund performance over the long term. Asset% Name Type Category/Sector Country 45.00 Vanguard 500 Index Admiral (USD, VFIAX) MF US Equity Large Cap Blend United States 40.00 Vanguard Total Intl Stock Index Admiral (USD, VTIAX) MF Global Equity Large Cap United States 15.00 Vanguard Strategic Equity Inv (USD, VSEQX) MF US Equity Mid Cap United States