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Past performance does not guarantee future results. Investment returns and principal value will fluctuate, so that an investment may be worth more or less than its original cost. Investing involves risk, and we do not provide guarantees that an investor will make money or avoid losing capital.
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Investment Management Webpage - The Benefits of CFA Investment Management; Risk maximization (Tilt Investing)
Data for Risk maximization is derived from comparing an equity portfolio invested 60% in the S&P 500 Index and 40% in the Barclays US Govt./ Credit Bond Index versus a 60% equity and 40% fixed income portfolio invested in a diverse mix of equity asset classes described below. Both are passively managed portfolios rebalanced quarterly.
Data complied by Dimensional Fund Advisors of quarterly returns from 1973-2010. Rebalanced annually. Barclays Capital data, formerly Lehman Brothers, provided by Barclays Bank PLC. The S&P data are provided by Standard & Poor’s Index Services Group. The Merrill Lynch Indices are used with permission; copyright 2011 Merrill Lynch, Pierce, Fenner & Smith Incorporated; all rights reserved. Dimensional Index data compiled by Dimensional. Emerging Markets Blended Index consists of 50% Fama/French Emerging Markets Index, 25% Fama/French Emerging Markets Small Cap Index, and 25% Fama/French Emerging Markets Value Index. Fama/French Emerging Markets, Fama/French Emerging Markets Value and Fama/French Emerging Markets Small Cap Index weightings allocated evenly between Dimensional International Small Cap Index and Fama/French International Value Index prior to January 1989 data inception. Dimensional International Small Cap Value Index weighting allocated to International Small Cap Index prior to July 1981 data inception. International Value weighting allocated evenly between International Small Cap and MSCI World ex USA Index prior to January 1975 data inception. Indexes are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is not a guarantee of future results. Not to be construed as investment advice. Returns of model portfolios are based on back-tested model allocation mixes designed with the benefit of hindsight and do not represent actual investment performance.
Information and Rules from PlanPlus 2013 Global Financial Planning Awards
Entry is limited to someone with a recognized financial planning designation who is in good standing with a financial planning or other professional body or association. Submissions are open to anyone wishing to enter and are in no way limited to users of PlanPlus.
An entry fee of $50 USD must be submitted with your entry. An advisor is restricted to one entry. All proceeds from entry fees will be donated by PlanPlus to a Charity of its choice focused on financial services (i.e. financial literacy, research).
Only Finalists will be required to submit the actual plan document on which their submission was based (less client identifying information).
Pursuant to financial planning practice standards, the advisor should have an engagement agreement in place to ensure that full disclosure of all material facts has been made to the client. This includes but is not limited to: how the planner is compensated, disclosure of all commissions, fees, etc. as well as disclosure of any conflicts of interest. Failure to meet this requirement may result in a point penalty when the scoring rubric is applied.
The recommendations made to the client must be based on what is suitable for the client but must also clearly be in the best interests of the client.
The client will have the option of taking part in the interview.
If in the opinion of the judges there is no current entry that meets the standard that we have envisioned in creating the award, then no award will be presented in that region.
The Americas boundaries will be any country west of Bermuda and east of Hawaii. Russia, Africa and the Middle East will compete in the Europe region. Australia and New Zealand will compete in the Asia region.
Submissions will be accepted between July 1 and Sept. 2, 2013. Finalists will be announced by Sept. 6th, with Winners announced on Sept. 15th.
PlanPlus reserves the right to act as the sole interrupter to add or clarify any rules that are unclear. Our goal is to provide a forum for planners to be judged based solely on the quality of their work. We will endeavor to make every aspect of the competition as fair, transparent and as equitable as possible.
Ramsey SmartVestor is a marketing program to connect financial advisors who support the principles of Dave Ramsey's approach to personal finance with investors. Clear Financial Advisors and our role as a SmartVestor Pro does not imply a recommendation of or endorsement of any service or advice. Clear Financial Advisors is not affiliated with Dave Ramsey, Lampso Licensing, LLC, Ramsey Solutions or any professionals or affiliated individuals or firms.
Research conducted by Dimensional Fund Advisors LP. US-domiciled mutual fund data is from the CRSP Survivor-Bias-Free US Mutual Fund Database, provided by the Center for Research in Security Prices, University of Chicago.
Certain types of equity and fixed income funds were excluded from the performance study. For equities, sector funds and funds with a narrow investment focus, such as real estate and gold, were excluded. Money market funds, municipal bond funds, and asset-backed security funds were excluded from fixed income.
Funds are identified using Lipper fund classification codes and are matched to their respective benchmarks at the beginning of the 10-year sample period. Winner funds are those whose cumulative return over the period exceeded that of their respective benchmark. Loser funds are funds that did not survive the period or whose cumulative return did not exceed their respective benchmark. Non-survivors include funds that were either liquidated or merged.
Benchmark data provided by Barclays, MSCI, and Russell. Barclays data provided by Barclays Bank PLC. MSCI data copyright MSCI 2014, all rights reserved. Russell data © Russell Investment Group 1995−2014, all rights reserved.
Benchmark indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio.
Mutual fund investment values will fluctuate, and shares, when redeemed, may be worth more or less than original cost. Diversification neither assures a profit nor guarantees against a loss in a declining market.
Past performance is no guarantee of future results.
Standardized Performance Data & Disclosures
Dimensional is an investment advisor registered with the SEC. Consider information contained in the prospectus, including the investment objectives, risks, charges & expenses of the Dimensional funds carefully before investing. Prospectuses are available at www.dimensional.com. This report and the information contained herein are subject to the terms of the End User License Agreement for Returns Program. Selection of funds, indices and time periods presented chosen by Clear Financial Advisors. Indices are not available for direct investment and performance does not reflect expenses of an actual portfolio. Past performance is not a guarantee of future results. The S&P data are provided by Standard & Poor's Index Services Group. MSCI data copyright MSCI 2013, all rights reserved. Dow Jones data provided by Dow Jones Indexes. Data provided by State Street Bank and Trust. Dimensional Index data compiled by Dimensional.