11/6/2019 Site Builder Morningstar Instant X-Ray Print Report Current Value Date 87,300.00 11/6/2019 Asset Allocation Bench Long% Short% Net% mark% Cash 1.51 0.15 1.36 0.00 US Stocks 70.03 0.00 70.03 99.04 Non-US Stocks 17.72 0.00 17.72 0.96 Bonds 10.46 0.25 10.21 0.00 Other 0.74 0.05 0.69 0.00 Not classified 0.00 0.00 0.00 0.00 Total 100.45 0.45 100.00 100.00 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 82.03 5.37 1.65 North America 81.01 0.00 1.62 Latin America 1.02 5.37 0.04 Greater Europe 8.74 46.02 61.55 United Kingdom 2.29 12.06 15.85 Europe Developed 5.68 29.91 45.25 Europe Emerging 0.24 1.26 0.00 Africa/Middle East 0.53 2.79 0.45 Greater Asia 9.23 48.60 36.80 Japan 3.04 16.01 24.53 Australasia 0.86 4.53 7.05 Asia Developed 1.96 10.32 4.72 Asia Emerging 3.37 17.75 0.50 Not classified 0.00 0.00 0.00 Index Proxy: iShares MSCI EAFE Index 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. https://awrd.morningstar.com/SBT/Tools/PA/Default.aspx?PageViewID=Print&tabIndex=1&encryptToken=A17B20FC655D455C6A606066EE82830D 1/4 11/6/2019 Site Builder Stock Sectors Stock% Benchmark% Portfolio Benchmark Energy 3.23 4.27 Materials 4.26 0.00 Industrials 9.75 11.74 Consumer Discretionary 10.71 0.00 Consumer Staples 6.65 0.00 Health Care 9.31 0.00 Financials 16.29 0.00 Information Technology 15.64 0.00 Communication Services 6.63 0.00 Utilities 5.20 3.13 Real Estate 12.32 4.28 Not classified 0.01 0.00 0 20 40 60 80 100 Change benchmark: S&P 500 Similar investment style You have a "Core" 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. Stock Style Bond Style Your overall portfolio Core style: 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. https://awrd.morningstar.com/SBT/Tools/PA/Default.aspx?PageViewID=Print&tabIndex=1&encryptToken=A17B20FC655D455C6A606066EE82830D 2/4 11/6/2019 Site Builder Stock Stats Bond Stats Portfolio Benchmark Effective duration 5.70 Price/earnings 19.82 20.85 Effective maturity — Price/book 2.36 3.22 Return on assets (ROA) 6.53 8.99 Return on equity (ROE) 18.40 26.14 Average market cap ($M) 24,959.77 115,036.44 Stock Type Fees & Expenses % of Stocks Portfolio Benchmark Expense ratio 0.30 High yield 8.36 12.95 Average gross expense ratio 0.30 Distressed 1.68 0.79 Potential cap gains 18.02 Hard asset 14.27 7.74 Cyclical 29.85 38.40 Slow growth 11.58 12.85 The mutual funds in your portfolio tend to have very low expense ratios. This is good, because expense ratios have been Classic growth 8.72 6.48 shown to be a major factor in mutual-fund performance over Aggressive growth 9.54 13.83 the long term. Speculative growth 2.61 4.30 Not classified 13.40 2.96 Change S&P 500 benchmark: Similar investment style You have a "Core" portfolio. Compared with a benchmark with a similar investment style: You have a lot of exposure to stock types marked by this icon. You should take special note of your heavy exposure to classic- growth stocks. You should take special note of your relatively heavy exposure to hard-asset stocks. These might not make up a huge part of the market, but because they tend to be associated with the metals or mining industries, they can react as a group to changes in things such as commodities prices. Top 10 Holdings Asset% Name Type Category/Sector Country https://awrd.morningstar.com/SBT/Tools/PA/Default.aspx?PageViewID=Print&tabIndex=1&encryptToken=A17B20FC655D455C6A606066EE82830D 3/4 11/6/2019 Site Builder 14.09 Fidelity Freedom® Index 2060 Investor (USD, MF Target Date United States FDKLX) 12.03 iShares Edge MSCI Min Vol USA ETF (USD, ETF US Equity Large Cap Blend United States USMV) 9.16 Fidelity® 500 Index (USD, FXAIX) MF US Equity Large Cap Blend United States 9.16 AB Discovery Value Z (USD, ABSZX) MF US Equity Mid Cap United States 9.16 Fidelity® Total Bond Fund (USD, FTBFX) MF US Fixed Income United States 8.02 Invesco S&P MidCap Low Volatility ETF (USD, ETF US Equity Mid Cap United States XMLV) 8.02 iShares MSCI ACWI ETF (USD, ACWI) ETF Global Equity Large Cap United States 6.87 Fidelity® Contrafund® (USD, FCNTX) MF US Equity Large Cap Growth United States 6.87 Vanguard Explorer Adm (USD, VEXRX) MF US Equity Small Cap United States 4.58 Vanguard Total Intl Stock Index I (USD, MF Global Equity Large Cap United States VTSNX) https://awrd.morningstar.com/SBT/Tools/PA/Default.aspx?PageViewID=Print&tabIndex=1&encryptToken=A17B20FC655D455C6A606066EE82830D 4/4
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