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Details on Hypothetical Comparison of staying in market vs going in and out of market over 30 years
Asset allocation and diversification does not ensure a profit or guarantee against loss.
Past performance is no guarantee of future results. Actual results will vary.
The chart in the video above is for illustrative purposes only to demonstrate the potential effect of abandoning an investment strategy in response to periods of negative market returns. This illustration begins on 1/1/1984 with a Balanced Asset Allocation portfolio of $250,000 that remains invested in the Balanced Asset Allocation through 12/31/2013 (shown as "Stayed in the Market" in the chart above). Those returns are compared with a $250,000 portfolio that enters the market on 1/1/1984 with a Balanced Asset Allocation and exits the market at the end of each down year (as defined below) and then reenters the market one year later (shown as "Went in and out of the Market" in the chart above). A "down year" is defined as any rolling 12 month period where the cumulative portfolio returns for that 12 month period were negative. "Exiting the market" is defined as shifting the portfolio to entirely short-term investments on the first trading day of the calendar month after a down year. "Entering the market" is defined as investing the entire value of the portfolio in the Balanced Asset Allocation prior to market open on the first trading day of the calendar month exactly 12 months after the portfolio Exited the Market.
For periods where the portfolio has Exited the Market, the Portfolio is assumed to receive investment returns at the Short-Term rate (based on the applicable Barclays 3-Month T-Bill rate then in effect). The chart depicts the cumulative value of each monthly rebalanced portfolio over the 1984-2013 time period. The "Balanced Asset Allocation" annual returns were derived from a monthly-rebalanced allocation of stock, bond and short term index returns. Stock returns are represented by: Dow Jones U.S. Total Stock Index (35%) and MSCI EAFE Index (15%) with a start date of 1/30/1984. Bond returns are represented by: Barclays U.S. Aggregate Bond Index (40%); Short term returns are represented by the Barclays 3-Month T-Bill (10%) with a start date of 1/30/1984. All indices are unmanaged and performance of the indices includes reinvestment of dividends and interest income, unless otherwise noted. The portfolios shown are not illustrative of any particular investment and an investment cannot be made in any index.
Keep in mind, investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
† Actual asset allocation can vary, at times significantly and for prolonged periods.
* Generally, among asset classes stocks are more volatile than bonds or short-term instruments and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments. Although the bond market is also volatile, lower-quality debt securities including leveraged loans generally offer higher yields compared to investment grade securities, but also involve greater risk of default or price changes. Foreign markets can be more volatile than U.S. markets due to increased risks of adverse issuer, political, market or economic developments, all of which are magnified in emerging markets.
Strategic Advisers, Inc. (SAI) applies tax-sensitive investment management techniques in Fidelity® Personalized Portfolios (including "tax-loss harvesting") on a limited basis, at its discretion, solely with respect to determining when assets, including tax-exempt assets, in a client's account should be bought or sold. As a discretionary investment manager, SAI may elect to sell assets in an account at any time. A client may have a gain or loss when assets are sold. SAI does not currently invest in tax-deferred products, such as variable insurance products, or in tax-managed funds in Fidelity® Personalized Portfolios but may do so in the future if it deems such to be appropriate for a client. SAI does not actively manage for alternative minimum taxes; state or local taxes; foreign taxes on non-U.S. investments; or estate, gift, or generation-skipping transfer taxes. SAI relies on information provided by clients in an effort to provide tax-sensitive management and does not offer tax advice. SAI can make no guarantees as to the effectiveness of the tax-sensitive management techniques applied in serving to reduce or minimize a client's overall tax liabilities or as to the tax results that may be generated by a given transaction. Except where Fidelity Personal Trust Company, FSB, is serving as trustee, Fidelity® Personalized Portfolios clients are responsible for all tax liabilities arising from transactions in their accounts, for the adequacy and accuracy of any positions taken on tax returns, for the actual filing of tax returns, and for the remittance of tax payments to taxing authorities.
The tax information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice. Fidelity does not provide legal or tax advice.
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