According to Boston College researchers, millions of working-age households will be unable to maintain their pre-retirement standard of living in retirement. With lower returns from traditional portfolios expected over the next 10 years, diversification, rebalancing and staying the course will be key.
Investment Partner
INDEX DEFINITIONS
The Bloomberg U.S. Aggregate Bond Index measures the U.S. investment grade fixed rate bond market.
The Bloomberg U.S. Corporate 1-3 Year Index measures market performance of 1-3 year USD-denominated investment grade corporate debt.
The ICE BofA Current 2-Yr U.S. Treasury Index is a one-security index comprising the most recently issued 2-year U.S. Treasury note.
The ICE BofA Current 5-Yr U.S. Treasury Index is a one-security index comprising the most recently issued 5-year U.S. Treasury note.
The ICE BofA Current 30-Year U.S. Treasury Index is a one-security index comprised of the most recently issued 10-year U.S. Treasury note.
The ICE BofA Treasury Index tracks the performance of US dollar denominated sovereign debt publicly issued by the US government in its domestic market.
The ICE BofA U.S. 3-Month T-Bill Index is comprised of a single issue purchased at the beginning of the month and held for a full month.
The ICE BofA U.S. Convertibles Index tracks the performance of publicly issued U.S. dollar denominated convertible securities of U.S. companies.
The ICE BofA U.S. Corporate Bond Index measures market performance of USD-denominated investment grade corporate debt publicly issued in the U.S. domestic market with a remaining term to final maturity between 5 and 10 years.
The MSCI ACWI ex USA Index is a float-adjusted market capitalization index that is designed to measure the combined equity market performance of large- and mid-cap securities in developed and emerging market countries excluding the United States.
The JPMorgan Emerging Market Bonds EMBI Global Dividend Composite is an unmanaged index of USD-denominated bonds with maturities of more than one year issued by emerging markets governments.
The MSCI Emerging Markets Index captures large and mid cap representation across 24 Emerging Markets (EM) countries. With 1,386 constituents, the index covers approximately 85% of the free float-adjusted market capitalization in each country.
The Russell 2500 Index is a broad, market-cap-weighted stock market index featuring 2,500 small-cap and mid-cap stocks. It consists of the smallest, by market capitalization, of the 3,000 stocks in the Russell 3000.
The Russell 3000 Index is a market-capitalization-weighted equity index maintained by FTSE Russell that provides exposure to the entire U.S. stock market. The index tracks the performance of the 3,000 largest U.S.-traded stocks, which represent about 97% of all U.S.-incorporated equity securities
The S&P 500® Index is a free-float market capitalization-weighted index of 500 of the largest U.S. companies. The index is calculated on a total return basis with dividends reinvested.
The Bloomberg 1-10 Year U.S. Government Inflation-Linked Bond Index (“Bloomberg TIPS Index”) is designed to measure the performance of the inflation protected public obligations of the U.S. Treasury commonly known as "TIPS" that have a remaining maturity greater than or equal to 1 year and less than 10 years.
The Bloomberg USD High-Yield Corporate Bond Index is a rules-based, market-value-weighted index engineered to measure publicly issued non-investment grade USD fixed-rate, taxable and corporate bonds. To be included in the index, a security must have a minimum par amount of $250 million and have a minimum maturity of 1 year at rebalancing. Emerging market debt is excluded.
The Bloomberg Global Aggregate ex-USD Index measures the performance of global investment grade bonds. This index does not include bonds from the US. This characteristic allows this index to serve well for tracking international bond exposure.
The NCREIF Fund Index is an index of property investment returns reporting on both a historical and current basis the results of 36 open-end commingled funds pursuing a core investment strategy, some of which have performance histories dating back to the 1970s.
The MSCI World Infrastructure Index captures the global opportunity set of companies that are owners or operators of infrastructure assets.
FTSE Global Core Infrastructure 50-50Index captures the performance of listed infrastructure securities in both developed and emerging markets.
The Cambridge Associates LLC US Private Equity Index® is a horizon calculation based on data compiled from 1,468 US private equity funds (buyout, growth equity, private equity energy and subordinated capital funds), including fully liquidated partnerships, formed between 1986 and 2021.
The Callan Hedge Fund of Funds (FOF) database serves as a proxy for large, broadly diversified hedge funds with low-beta exposure to equity markets.
The Bloomberg Commodity Index is a widely tracked benchmark for the commodities market. The index references exchange-traded contracts linked to 23 physical commodities.
The CPI-U Index, also known as the Consumer Price Index for All Urban Consumers, is one of two indexes the Labor Department uses to measure consumer inflation for all urban consumers.
The FTSE 3 Month (“90-day) US T Bill Index Series is intended to track the daily performance of 3 month US Treasury bills.
The indexes are designed to operate as a reference rate for a series of funds.
The indexes are calculated on a total return basis. The indexes are unmanaged, their returns do not reflect any fees, expenses, or sales charges, and they are not available for direct investment.
IMPORTANT RISK CONSIDERATIONS
Fundamental Risk of Investing: There can be no assurance that the portfolio will achieve its investment objectives. An investment in the portfolio is subject to the risk of loss of principal; shares may decrease in value. Market Volatility: The value of the securities in the portfolio may go up or down in response to the prospects of individual companies and/or general economic conditions. Price changes may be short- or long-term. Local, regional, or global events such as war (e.g., Russia’s invasion of Ukraine), acts of terrorism, the spread of infectious illness (e.g., COVID-19 pandemic) or other public health issues, recessions, or other events could have a significant impact on the portfolio and its investments, including hampering the ability of the portfolio’s manager(s) to invest the portfolio’s assets as intended.
Diversification does not assure a profit or protect against losses.
All investments carry a certain degree of risk, including possible loss of principal.
Not insured by FDIC/NCUSIF or any federal government agency. No bank guarantee. Not a deposit. May lose value.
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