Overview

Portfolios
Sectors
International
Yield ETFs

Sheet 1: Portfolios

Stock Portfolios















































1998 1999 2000 2001 2002 2003 2004 2005 2006 2007

S&P 500 Index 28.6 21.1 -9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.5

Simple Index Portfolio 21.76 25.02 -11.6 -12.84 -19.82 33.18 14.16 7.92 17.72 7.5

Margarita Portfolio


-7.71 -6.27 26.38 13.81 8.01 14.03 10.87

Money Magazine Starter Portfolio 21.32 23.16 -9.44 -11.38 -20.45 33.43 14.1 7.35 17.82 6.79

Motley Fool ETF Portfolio



-11.62 34.25 21.01 15.73 23.22 7.74

Dale Swenson (Yale) Lazy Portfolio







17.66 4.3

Vanguard Equity Buy and Hold


-6.98 -13.91 39.8 20.66 13.2 24.44 6.94

Vanguard Balanced Buy and Hold


-1.12 -3.22 25.29 13.86 8.8 15.77 8.04

ETF Equity Buy and Hold







19.34 3.21

ETF Balanced Buy and Hold







12.6 5.84

Bogle portfolio










Middleton Perfect Portfolio
13.62 2.04 -3.23 -8.14 27.26 14.7 8.24 17.09 5.94

























Simple Index Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
VGTSX 20% Vanguard Total Int'l 15.6 29.9 -15.6 -20.2 -15.1 40.3 20.8 15.6 26.6 15.5
VTSMX 80% Vanguard Total Stock Market 23.3 23.8 -10.6 -11 -21 31.4 12.5 6 15.5 5.5
Return
21.76 25.02 -11.6 -12.84 -19.82 33.18 14.16 7.92 17.72 7.5

























Margarita Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
VTSMX 33% Vanguard Total Stock Market 23.3 23.8 -10.6 -11 -21 31.4 12.5 6 15.5 5.5
VGTSX 33% Vanguard Total Int'l 15.6 29.9 -15.6 -20.2 -15.1 40.3 20.8 15.6 26.6 15.5
VIPSX 34% Vanguard Inflation Protected Sec's


7.6 16.6 8 8.3 2.6 0.4 11.6
Return



-7.71 -6.27 26.38 13.81 8.01 14.03 10.87

























Money Magazine Starter Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
VFINX 65% Vanguard S&P 500 Index 28.6 21.1 -9.1 -12 -22.2 28.5 10.7 4.8 15.6 5.4
NAESX 15% Vanguard Smallcap Index -2.6 23.1 -2.7 3.1 -20 45.6 19.9 7.4 15.7 1.2
VGTSX 20% Vanguard Total Int'l 15.6 29.9 -15.6 -20.2 -15.1 40.3 20.8 15.6 26.6 15.5
Return
21.32 23.16 -9.44 -11.38 -20.45 33.43 14.1 7.35 17.82 6.79

























Motley Fool ETF Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
SPY 25% Ishares S&P 500

-9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.14
IYR 25% Ishares DJ US Real Estate



3.46 35.37 30.15 8.94 34.91 -17.99
EFA 25% Ishares EAFE Index



-15.41 39.8 18.96 13.34 25.81 9.97
IGE 25% Ishares Natural Resources



-13 33.63 24.24 35.79 16.3 33.82
Return




-11.62 34.25 21.01 15.73 23.22 7.74

























Dale Swenson (Yale) Lazy Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
VIPSX 15% Vanguard Inflation Protected Sec's


7.6 16.6 8 8.3 2.6 0.4 11.6
VFISX 15% Vanguard Short Term Treasury 7.4 1.9 8.8 7.8 8 2.4 1 1.8 3.8 7.9
IYR 20% Ishares DJ US Real Estate



3.46 35.37 30.15 8.94 34.91 -17.99
VTI 30% Vanguard Total Stock Market ETF



-20.58 30.93 12.77 6.31 15.69 5.37
EFA 15% EAFE Index



-15.41 39.8 18.96 13.34 25.81 9.97
VWO 5% Vanguard Emerging Markets ETF







29.38 37.29
Return








17.66 4.3

























Vanguard Equity Buy and Hold 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
VFINX 10% S&P 500 28.6 21.1 -9.1 -12 -22.2 28.5 10.7 4.8 15.6 5.4
VIVAX 10% Value Index 14.6 12.6 6.1 -11.9 -20.9 32.3 15.3 7.1 22.2 0.1
NAESX 10% Small Cap index -2.6 23.1 -2.7 3.1 -20 45.6 19.9 7.4 15.7 1.2
VISVX 10% Small Cap value
3.4 21.9 13.7 -14.2 37.2 23.6 6.1 19.2 -7.1
VGSIX 10% REIT index -16.3 -4 26.4 12.4 3.8 35.7 30.8 11.9 35.1 -16.5
VDMIX 20% Developed Markets Index


-22 -15.7 38.6 20.3 13.3 26.2 11
VTRIX 20% International Value 19.5 21.8 -7.4 -14.1 -13.4 41.9 19.8 18 27.4 12.7
VEIEX 10% Emerging Markets Index -18.1 61.6 -27.6 -2.9 -7.4 57.7 26.1 32.1 29.4 38.9
Return



-6.98 -13.91 39.8 20.66 13.2 24.44 6.94

























Vanguard Balanced Buy and Hold 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
VFINX 6% S&P 500 28.6 21.1 -9.1 -12 -22.2 28.5 10.7 4.8 15.6 5.4
VIVAX 6% Value Index 14.6 12.6 6.1 -11.9 -20.9 32.3 15.3 7.1 22.2 0.1
NAESX 6% Small Cap index -2.6 23.1 -2.7 3.1 -20 45.6 19.9 7.4 15.7 1.2
VISVX 6% Small Cap value
3.4 21.9 13.7 -14.2 37.2 23.6 6.1 19.2 -7.1
VGSIX 6% REIT index -16.3 -4 26.4 12.4 3.8 35.7 30.8 11.9 35.1 -16.5
VDMIX 12% Developed Markets Index


-22 -15.7 38.6 20.3 13.3 26.2 11
VTRIX 12% International Value 19.5 21.8 -7.4 -14.1 -13.4 41.9 19.8 18 27.4 12.7
VEIEX 6% Emerging Markets Index -18.1 61.6 -27.6 -2.9 -7.4 57.7 26.1 32.1 29.4 38.9
VFITX 20% Intermediate treasuries 10.6 -3.5 14 7.6 14.2 2.4 3.4 2.3 3.1 10
VFISX 12% Short term treasuries 7.4 1.9 8.8 7.8 8 2.4 1 1.8 3.8 7.9
VIPSX 8% inflation protected securities


7.6 16.6 8 8.3 2.6 0.4 11.6
Return



-1.12 -3.22 25.29 13.86 8.8 15.77 8.04

























ETF Equity Buy and Hold 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
SPY 10% S&P 500

-9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.14
VTV 10% Vanguard value viper






7.22 22.38 -0.11
IWC 10% Ishares russel microcap







14.89 -9
VBR 10% vanguard smallcap value






6.09 19.49 -6.93
VNQ 10% Vanguard REIT index






11.95 35.25 -16.5
EFA 10% Ishares EAFE



-15.41 39.8 18.96 13.34 25.81 9.97
EFV 10% Ishares EAFE value







30.34 4.25
DLS 20% Wis Tree int'l smallcap div








4
VWO 10% Vanguard emerging mkt







29.38 37.29
Return








19.34 3.21

























ETF Balanced Buy and Hold 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
SPY 6% S&P 500

-9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.14
VTV 6% Vanguard value viper






7.22 22.38 -0.11
IWC 6% Ishares russel microcap







14.89 -9
VBR 6% vanguard smallcap value






6.09 19.49 -6.93
VNQ 6% Vanguard REIT index






11.95 35.25 -16.5
EFA 6% Ishares EAFE



-15.41 39.8 18.96 13.34 25.81 9.97
EFV 6% Ishares EAFE value







30.34 4.25
DLS 12% Wis Tree int'l smallcap div








4
VWO 6% Vanguard emerging mkt







29.38 37.29
IEF 20% Ishares Lehman 7-10 yr




2.1 4.13 2.64 2.52 10.38
SHY 12% Ishares Lehman 1-3 yr




1.86 0.66 1.53 3.89 7.36
TIP 8% Ishares Lehman TIPS





8.28 2.5 0.28 11.93
Return








12.6 5.84

























Bogle portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
IVV 48% S&P 500


-11.94 -21.55 28 10.79 4.87 16.35 4.93
IWM 16% Russell 2000 small cap


1.78 -20.37 47.58 18.05 4.46 18.27 -1.75
VEU 16% International Vanguard all-world









BIV 20% Vanguard Interm. bond









Return



































Tim Middleton's Perfect Portfolio 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007
VFINX 6.25% Vanguard S&P 500 28.6 21.1 -9.1 -12 -22.2 28.5 10.7 4.8 15.6 5.4
VIVAX 9.25% Vanguard Value Fund 14.6 12.6 6.1 -11.9 -20.9 32.3 15.3 7.1 22.2 0.1
VISGX 6.25% Vanguard Small Cap Growth
19.8 1.6 -0.8 -15.4 42.9 16.1 8.6 12,0 9.6
VISVX 9.25% Vanguard Small Cap Value
3.4 21.9 13.7 -14.2 37.2 23.6 6.1 19.2 -7.1
VGSIX 8% Vanguard REIT fund -16.3 -4 26.4 12.4 3.8 35.7 30.8 11.9 35.1 -16.5
VGTSX 31% Vanguard Total Int'l fund 15.6 29.9 -15.6 -20.2 -15.1 40.3 20.8 15.6 26.6 15.5
VBISX 30% Vanguard Short Term Bond 7.6 2.1 8.8 8.9 6.1 3.4 1.7 1.3 4.1 7.2
Return

13.62 2.04 -3.23 -8.14 27.26 14.7 8.24 17.09 5.94

Sheet 2: Sectors


2000 2001 2002 2003 2004 2005 2006 2007

S&P 500 Index -9.73 -11.81 -21.54 28.18 10.7 4.83 15.85 5.5





















Consumer Staples 2000 2001 2002 2003 2004 2005 2006 2007
VDC Vanguard Consumer Staples




3.76 15.86 12.69
IYK Ishares DJ US Consumer Goods
1.63 -5.46 20.63 11.99 1.52 14.31 9.17
KXI S&P Global Consumer Staples






18.86
DPN Wisdomtree Int'l Consumer non-cyc






14.52





















Commodity 2000 2001 2002 2003 2004 2005 2006 2007
GSG Ishares Commodity Index






31.62
IGE Ishares GS Natural Resources

-13.54 33.39 24.4 35.98 16.41 33.47
GLD Streetracks Gold ETF




17.76 21.95 31.1





















Energy 2000 2001 2002 2003 2004 2005 2006 2007
VDE Vanguard Energy Viper




39.05 19.03 34.66
IYE Ishares DJ Energy
-12.12 -16.06 27.6 31.74 34.67 20.14 35.75
IXC Ishares Global Energy

-5.8 30.14 26.47 29.47 20.99 29.8
DKA Wisdomtree Int'l Energy






23.39





















Financial 2000 2001 2002 2003 2004 2005 2006 2007
VFH Vanguard Financial Viper




6.06 19.43 -17.6
IYF Ishares DJ US Financial
-6.25 -13.86 31.51 13.01 5.72 18.74 -18.1
IXG Ishares S&G Global Financials

-16.98 39.28 16.31 11.6 24.83 -8.78
DRF Wisdomtree Int' Financial Sector






0.6





















Health Care 2000 2001 2002 2003 2004 2005 2006 2007
VHT Vanguard Health Care




8.2 6.54 7.9
IYH Ishares DJ US Healthcare
-13.31 -21.29 18.35 4.22 7.66 6.16 8.01
IXJ Ishares Global S&P Healthcare

-17.93 18.85 3.99 6.81 10.88 3.3
DBR Wisdomtree Int'l Healtcare






3.13





















Information Technology 2000 2001 2002 2003 2004 2005 2006 2007
VGT Vanguard IT Viper




2.99 8.86 14.78
IGM Ishares GS Technology

-40.74 52.63 2.6 1.52 8.69 16.11
IXN Ishares S&P Global Technology


-38.3 47.18 3.43 9.8 12.5
DBT Wisdomtree Int'l Technology






-6.7