Model Portfolios

NOTICE: I will not be able to update the portfolios this weekend. The computer with the spreadsheet on it is being repaired. I will update the portfolios as soon as I can.

UPDATED MARCH 29, 2005 (Friday, March 25 closing prices)

Here are the final portfolios. Like I said in an earlier post, these are generic "model" portfolios.
I'm also working on a dollar-cost-averaging portfolio since a lot of my readers are in the accumulation phase.

ASSUMPTIONS: $1,000,000 on December 31,2004. I used December 31 because I have been following the portfolios that long. All dividends and income from the portfolio will be deposited into the cash account. Fees (my fee and the brokerage fee) will be deducted on a quarterly basis. The MOST the fee will be is 1.05% or .2625% per quarter. For a portfolio of this size, the total fee should be around .72% or .18% per quarter.

Here are the portfolios:

RETIREMENT

                  Percent    Current        YTD
                Allocation     Value    Performance
US Stocks            39.9%   $394,519        -1.00%
International        20.1%   $198,806        -0.59%
Bonds                39.6%   $391,660        -2.08%
Cash                  0.4%     $3,967       N/A
Totals              100.0%   $988,953        -1.10%

50+ PORTFOLIO - (For those getting ready for retirement)

                  Percent    Current        YTD
                Allocation     Value    Performance
Large Cap            18.6%   $185,509        -7.17%
Mid Cap              22.0%   $219,770        10.09%
Small Cap            19.6%   $196,082        -1.92%
International        19.9%   $198,656        -0.63%
Bonds                19.6%   $195,725        -0.63%
Cash                  0.2%     $2,443       N/A
Totals              100.0%   $998,186        -0.18%

Under 50 PORTFOLIO

                  Percent    Current        YTD
                Allocation     Value    Performance
Large Cap            18.6%   $185,509        -7.17%
Mid Cap              22.0%   $219,770        10.09%
Small Cap            19.6%   $196,082        -1.92%
International        39.7%   $397,311        -0.63%
Cash                  0.1%     $1,056       N/A
Totals              100.0%   $999,729        -0.03%