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Trusted Wealth


Simple DIY investing is just better
 

If you're currently working with a       financial advisor/planner

Ask them to provide audited total return numbers for the equity portion of your portfolio (mutual funds, ETFs, individual stocks) compared to the return of S&P 500 Total Return Index. Ask them to do the same for the bond portion of your portfolio (mutual funds, ETFs, individual bonds) and compare that to the return of the Bloomberg Aggregate U.S. Total Return Bond Index. Request annual as well as the 3, 5 and 10 year comparisons.

Things to be aware of

 

Get started on your own. Years from now you will be happy you did.
 

  • It takes 10 minutes a year of your time

  • Easily outperform professional advisors/planners

  • Avoid high fees and complicated products

  • Keep your personal information safe

  • Avoid financial advisor/planner fraud and theft


  Learn more about WHY this is a no brainer.

Annual Returns %

Year

S&P 500 Index - Stocks 

Bloomberg Agg U.S. Bond Index

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
32.31
13.46
1.25
12.00
21.70
-4.56
31.22
18.37
28.74
-18.77
10.58
-1.98
6.00
0.48
2.42
3.52
0.33
8.45
7.48
-1.77
-13.03
-2.58

How much of each index should you buy?

This is called your asset allocation. The simple rule of thumb endorsed by some of the smartest minds in investing states that you allocate your age to bonds. If your 30 years old, you allocate roughly 30% of your money to the Bloomberg Agg. U.S. Bond index and the remaining 70% to the S&P 500 Index. 

Learn more about WHY it's really this simple.
 

Stock/Bond Portfolio Annual Returns %

Year

70% stocks / 30% bonds

60% stocks / 40% bonds

50% stocks / 50% bonds

40% stocks / 60% bonds

30% stocks / 70% bonds

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
22.02
11.22
1.02
9.13
16.25
-3.09
24.39
15.10
19.59
-16.63
6.63
18.59
10.48
0.94
8.17
14.43
-2.60
22.12
14.01
16.54
-16.11
5.31
15.17
9.73
0.87
7.21
12.61
-2.11
19.84
12.92
13.49
-15.60
4.00
11.74
8.98
0.79
6.25
10.79
-1.62
17.56
11.84
10.44
-15.08
2.68
8.31
8.24
0.71
5.29
8.97
-1.13
15.28
10.75
7.39
-14.57
1.37
11
15.17
9.73
20.22
11.22
1.02
9.13
16.25
-3.09
24.39
15.10
19.59
-16.63
6.63
18.59
10.48
0.94
8.17
14.43
-2.60
22.12
14.01
16.54
-16.11
5.31
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