Important Disclosure Information
Your use of this site is acknowledgment that you have read and understood our terms
and disclaimers.
The AssetBuilder Inc. constructed portfolios - Model Portfolios - have been developed
based on historical performance of the standard asset classes (stocks, bonds and
cash) and of representative market index fund measures. Since this is a Model Portfolio
(hypothetical), there can be no assurance that an AssetBuilder client would have
achieved similar rates of return over the time frame. In addition, since the time
period in question is a historical one, there can be no assurance that future results
achieved by AssetBuilder clients will in any way resemble those represented by the
Model Portfolios.
Any performance data is representative of a compilation of the selected funds to
achieve a probabilistic return for a measured level of risk. Model Portfolios are
rebalanced every year on March 1. All performance data is total returns which includes
interest and dividends. The commodity measure represented in the Model Portfolios
is the PowerShares DBC security (net of fund fees) from March 2006. To gain additional
history, DBLCI was appended back in time net of fund fees estimated to be 83 basis
points per year (.83%). The returns are net AssetBuilder’s advisory fee and Schwab
transaction fee of 70 basis points (.70%) per year. (Calculation based on average
fee impact on $50,000 invested in AssetBuilder Model Portfolio 06 rebalanced annually
for 5 years.)
Although we have done our best to present this information fairly, hypothetical
performance is still potentially misleading. Hypothetical data does not represent
actual performance and should not be interpreted as an indication of actual performance.
This data is based on transactions that were not made. Instead, the trades were
simulated, based on knowledge that was available only after the fact and thus with
the benefit of hindsight. Results do not include the impact of taxes, if any. Past
Returns are not indicative of future results.
Any opinions expressed on this site or in the articles are subject to change without
notice and, due to the rapidly changing nature of the security markets, may quickly
become outdated. All materials presented are compiled from sources believed to be
reliable and current, but accuracy cannot be guaranteed. This information is distributed
for education purposes, and it is not to be construed as an offer, solicitation,
recommendation, or endorsement of any particular security, product, or service.
AssetBuilder Inc. is an investment advisor registered with the Securities and Exchange
Commission. Consider the investment objectives, risks, and expenses carefully before
investing.
This site is for the use of clients and potential clients of AssetBuilder Inc. It
is not to be used by any other investment advisor or investment professional as
an information/marketing materials source, asset allocator, risk capacity or risk
tolerance assessment, or for any other purpose. No client or prospective client
should assume that the AssetBuilder web site serves as the receipt of, or a substitute
for, personalized advice from AssetBuilder. No portion of the web site content should
be interpreted as legal, accounting or tax advice. Current and prospective clients
are solely responsible for determining whether any investment, security or strategy,
or any other product or service, is appropriate or suitable based on investment
objectives and personal and financial situation. Current and prospective clients
should consult with an investment professional, or an attorney or tax professional
regarding specific investment, legal or tax situation.
There are no warranties, expressed or implied, as to the accuracy, completeness
of results obtained from any information posted on this site or any site AssetBuilder.com
links to. All external internet addresses contain information created, published,
maintained, or otherwise posted by institutions or organizations independent of
AssetBuilder, Inc. AssetBuilder, Inc. does not endorse, approve, certify, or control
these external Internet addresses and does not guarantee or assume responsibility
for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information
located at such addresses. Use of any information obtained from such addresses is
voluntary, and reliance on it should only be undertaken after an independent review
of its accuracy, completeness, efficacy, and timeliness.
When leaving the AssetBuilder website, the site to which you will be transferred
is not part of the AssetBuilder website and the presence of any link on the AssetBuilder
website does not mean that AssetBuilder Inc. accepts any responsibility for the
content or use of this other website. AssetBuilder Inc. does not guarantee or assume
responsibility for the accuracy or completeness of any information or data displayed
through any other website, nor shall AssetBuilder Inc. be liable to the reader or
any other person or entity for any inaccuracies, errors in or omission of any information
or data therein or for any actions taken in reliance thereon on or for any damages
arising therefrom or occasioned thereby. AssetBuilder Inc. expressly disclaims any
duty or obligation to review or correct any of the contents of such website. Should
you choose to use any of the transferring links, you assume total responsibility
for your use of the website to which you are linking.
