Test Market Timing Models

This tool allows you to test different market timing and tactical asset allocation models based on moving averages, momentum, market valuation and target volatility. The supported models include:

Shiller PE Ratio Market Valuation
Seasonal Model
Moving Averages - Single Asset
Moving Averages - Portfolio Assets
Momentum - Relative Strength
Momentum - Dual Momentum
Momentum - Adaptive Allocation
Target Volatility

You can find a summary of the selected tactical asset allocation model below, and a more detailed description in the FAQ section.

Seasonal Model

Seasonal model moves the portfolio out of market based on specific calendar months. Sell in May and Go Away model is a well-known example that avoids historical underperformance of some stocks in the six-month period commencing in May and ending in October.

Shiller PE Ratio Market Valuation

Shiller PE Ratio (PE10) market valuation based timing model adjusts the allocation between stocks and bonds based on the start of year Shiller PE Ratio as follows:

PE10 >= 22 - 40% stocks, 60% bonds
14 <= PE10 < 22 - 60% stocks, 40% bonds
PE10 < 14 - 80% stocks, 20% bonds

The balanced 60% stock and 40% bond allocation is used as the benchmark portfolio.

Moving Averages - Single Asset

The moving average timing model is either invested in a specific stock, ETF or mutual fund, or is alternatively in cash or other risk-free asset based on the moving average signal. The model is invested in the asset when the adjusted close price is greater than the moving average and the model moves to cash when the adjusted close price is less than the moving average. The model also supports using moving average cross-over as the signal.

Moving Averages - Portfolio Assets

The moving average model applies the moving average signal to each portfolio asset. The model is invested in a portfolio asset when the adjusted close price is greater than the moving average and the allocation is moved to cash when the adjusted close price is less than the moving average. The model also supports using moving average cross-over as the signal.

Momentum - Relative Strength

The relative strength momentum model invests in the best performing assets in the model based on each asset's past return. The momentum can be based on a single timing period, or multiple weighted timing periods. Additionally the model supports using moving averages as a risk control to decide whether investments should be moved to cash.

Momentum - Dual Momentum

The dual momentum model uses relative momentum to select the best performing model assets and incorporates absolute momentum as a filter to invest in cash if the excess return of the selected asset over cash is negative.

Adaptive Allocation

The adaptive asset allocation model combines relative strength momentum model with different asset weighting. The relative strength model uses an equal weight allocation for the model selected assets, whereas the adaptive asset allocation uses either risk parity allocation or minimum variance allocation for the model assets to minimize the expected volatility.

Target Volatility

The target volatility model adjusts the market exposure of the portfolio based on the realized historic volatility and the given volatility target. The cash allocation in the portfolio is increased or decreased as required to meet the targeted volatility level in order to improve the risk adjusted performance.

Timing Model

Time Period

Start Year

First Month

End Year

Last Month

Calendar Aligned

Include YTD

Initial Amount

$ .00

Cashflows

Contribution Amount

$ .00

Inflation Adjusted

Withdrawal Percentage

Frequency

Ticker

Tickers

Single absolute momentum

Absolute momentum asset

Target Volatility

Use Downside Volatility

Out Of Market Start Month

Out Of Market End Month

Out of Market Asset

Specify out of market asset

Buy Signal

Type of Moving Average

Performance Periods

Period Weighting

Timing Period

Timing period in trading days

Type of Moving Average #2

Timing Period #2

Timing period #2 in trading days

Exclude Previous Month

Normalize Returns

Volatility Period

Volatility window in trading days

Assets to hold

Allocation Weights

Risk Control

Risk Window Period

Risk window in trading days

Specify signal asset

Stop Loss

Stop Loss Threshold

Stop Loss Asset

Specify stop-loss asset

Trading Frequency

Signal Asset

Specify signal asset

Trade Execution

Leverage Type

Leverage Ratio

Debt Amount

$ .00

Debt Interest

Maintenance Margin

Leveraged Benchmark

Compared Allocation

Benchmark

Benchmark Ticker

Timing Periods

Length

Unit

Weight

Time Period #1

Period 1 length

Period 1 time unit

Period 1 weight %

Time Period #2

Period 2 length

Period 2 time unit

Period 2 weight %

Time Period #3

Period 3 length

Period 3 time unit

Period 3 weight %

Time Period #4

Period 4 length

Period 4 time unit

Period 4 weight %

Time Period #5

Period 5 length

Period 5 time unit

Period 5 weight %

Volatility Period

Volatility period length

Volatility period time unit

Volatility period weight %

Asset 1

Select asset 1

Enter percentage allocation for asset 1 %

Asset 2

Select asset 2

Enter percentage allocation for asset 2 %

Asset 3

Select asset 3

Enter percentage allocation for asset 3 %

Asset 4

Select asset 4

Enter percentage allocation for asset 4 %

Asset 5

Select asset 5

Enter percentage allocation for asset 5 %

Asset 6

Select asset 6

Enter percentage allocation for asset 6 %

Asset 7

Select asset 7

Enter percentage allocation for asset 7 %

Asset 8

Select asset 8

Enter percentage allocation for asset 8 %

Asset 9

Select asset 9

Enter percentage allocation for asset 9 %

Asset 10

Select asset 10

Enter percentage allocation for asset 10 %

Total

Total allocation for portfolio %

Model Simulation Results (Jan 1997 - Jun 2022) Save

Tactical asset allocation model results from Jan 1997 to Jun 2022 are based on the annual target volatility of 8.00%. The tactical asset allocation model adjusts the equity allocation monthly based on realized historical volatility and the specified target volatility using 1 calendar month volatility period. Tactical asset allocation model trades are executed using the end of month close price each month based on the end of month signals. The time period was constrained by the available data for Vanguard Real Estate Index Investor (VGSIX) [Jun 1996 - Jun 2022].

Performance statistics for the timing portfolio and benchmark portfolios
Portfolio	Initial Balance	Final Balance	CAGR	Stdev	Best Year	Worst Year	Max. Drawdown	Sharpe Ratio	Sortino Ratio	Market Correlation
Target Volatility Model	$10,000	$44,080	5.99%	7.44%	20.87%	-12.08%	-18.45%	0.56	0.81	0.90
Buy & Hold Portfolio	$10,000	$56,251	7.01%	10.77%	25.37%	-25.82%	-39.59%	0.51	0.72	0.96
Vanguard 500 Index Investor	$10,000	$79,941	8.49%	15.47%	33.19%	-37.02%	-50.97%	0.48	0.70	0.99

Trailing Returns

Trailing Returns
Name	Total Return			Annualized Return				Annualized Standard Deviation
Name	3 Month	Year To Date	1 year	3 year	5 year	10 year	Full	3 year	5 year
Target Volatility Model	-5.58%	-9.65%	-5.33%	3.33%	4.37%	5.98%	5.99%	8.45%	8.14%
Buy & Hold Portfolio	-12.30%	-17.40%	-13.01%	4.73%	5.79%	7.39%	7.01%	13.18%	11.71%
Vanguard 500 Index Investor	-16.13%	-20.02%	-10.73%	10.45%	11.16%	12.80%	8.49%	18.64%	16.95%
Trailing return and volatility are as of last full calendar month ending June 2022

Notes on results:

IMPORTANT: The projections or other information generated by Portfolio Visualizer regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.
The results do not constitute investment advice or recommendation, are provided solely for informational purposes, and are not an offer to buy or sell any securities. All use is subject to terms of service.
Investing involves risk, including possible loss of principal. Past performance is not a guarantee of future results.
Asset allocation and diversification strategies do not guarantee a profit or protect against a loss.
Hypothetical returns do not reflect trading costs, transaction fees, commissions, or actual taxes due on investment returns.
The results are based on information from a variety of sources we consider reliable, but we do not represent that the information is accurate or complete.
Refer to the related documentation sections for more details on terms and definitions, methodology, and data sources.
The simulated performance results are created by retroactively applying the specified investment strategy to historical data. Future results may vary.
The results are based on the total return of assets and assume that all received dividends and distributions are reinvested.
Compound annualized growth rate (CAGR) is the annualized geometric mean return of the portfolio. It is calculated from the portfolio start and end balance and is thus impacted by any cashflows.
The time-weighted rate of return (TWRR) is a measure of the compound rate of growth in a portfolio. This is calculated from the holding period returns (e.g. monthly returns), and TWRR will thus not be impacted by cashflows. If there are no external cashflows, TWRR will equal CAGR.
The money-weighted rate of return (MWRR) is the internal rate of return (IRR) taking into account cashflows. This is the discount rate at which the present value of cash inflows equals the present value of cash outflows.
Total return is the combined return in income and capital appreciation from investment in an asset. Yield measures the current cash income received from investment in an asset. Bonds provide yield in the form of interest payments and stocks through dividends.
Standard deviation (Stdev) is used to measure the dispersion of returns around the mean and is often used as a measure of risk. A higher standard deviation implies greater the dispersion of data points around the mean.
Sharpe Ratio is a measure of risk-adjusted performance of the portfolio, and it is calculated by dividing the mean monthly excess return of the portfolio over the risk-free rate by the standard deviation of excess return, and the displayed value is annualized.
Sortino Ratio is a measure of risk-adjusted return which is a modification of the Sharpe Ratio. While the latter is the ratio of average returns in excess of a risk-free rate divided by the standard deviation of those excess returns, the Sortino Ratio has the same denominator divided by the standard deviation of returns below the risk-free rate.
Treynor Ratio is a measure of risk-adjusted performance of the portfolio. It is similar to the Sharpe Ratio, but it uses portfolio beta (systematic risk) as the risk metric in the denominator.
Calmar Ratio is a measure of risk-adjusted performance of the portfolio. It is calculated as the annualized return over the past 36 months divided by the maximum drawdown over the past 36 months based on monthly returns.
Risk-free returns are calculated based on the Federal Reserve 3-Month Treasury Bill (secondary market) rates.
Downside deviation measures the downside volatility of the portfolio returns unlike standard deviation, which includes both upside and downside deviations. Downside deviation is calculated based on negative returns that hurt the portfolio performance.
Skewness is a measure of the asymmetry of the probability distribution or returns from a normal Gaussian distribution shape about its mean. Negative skewness is associated with the left (typically negative returns) tail of the distribution extending further than the right tail; and positive skewness is associated with the right (typically positive returns) tail of the distribution extending further than the left tail.
Excess kurtosis is a measure of whether a data distribution is peaked or flat relative to a normal distribution. Distributions with high kurtosis tend to have a distinct peak near the mean, decline rather rapidly, and have heavy or fat tails.
A drawdown refers to the decline in value of a single investment or an investment portfolio from a relative peak value to a relative trough. A maximum drawdown (Max Drawdown) is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained. Drawdown values are calculated based on monthly returns.
Value at Risk (VaR) measures the scale of loss at a given confidence level. If the 5% VaR is -3% the portfolio return is expected to be greater than -3% 95% of the time and less than -3% 5% of the time. Value at Risk can be calculated directly based on historical returns based on a given percentile or analytically based on the mean and standard deviation of the returns.
Conditional Value at Risk (CVaR) measures the scale of the expected loss once the specific Value at Risk (VaR) breakpoint has been breached, i.e., it calculates the average tail loss by taking a weighted average between the value at risk and losses exceeding the value at risk.
Beta is a measure of systematic risk and measures the volatility of a particular investment relative to the market or its benchmark. Alpha measures the active return of the investment compared to the market benchmark return. R-squared is the percentage of a portfolio's movements that can be explained by movements in the selected benchmark index.
Active return is the investment return minus the return of its benchmark. For periods longer than 12 months this is displayed as annualized value, i.e., annualized investment return minus annualized benchmark return.
Tracking error, also known as active risk, is the standard deviation of active return. This is displayed as annualized value based on the standard deviation of monthly active returns.
Information ratio is the active return divided by the tracking error. It measures whether the investment outperformed its benchmark consistently.
Gain/Loss ratio is a measure of downside risk, and it is calculated as the average positive return in up periods divided by the average negative return in down periods.
Upside Capture Ratio measures how well the fund performed relative to the benchmark when the market was up, and Downside Capture Ratio measures how well the fund performed relative to the benchmark when the market was down. An upside capture ratio greater than 100 would indicate that the fund outperformed its benchmark when the market was up, and a downside capture ratio below 100 would indicate that the fund lost less than its benchmark when the market was down. To calculate upside capture ratio a new series from the portfolio returns is constructed by dropping all time periods where the benchmark return is less than equal to zero. The up capture is then the quotient of the annualized return of the resulting manager series, divided by the annualized return of the resulting benchmark series. The downside capture ratio is calculated analogously.
All risk measures for the portfolio and portfolio assets are calculated based on monthly returns.
The annual results for 2022 are based on monthly returns from January to June.
The results for the buy-and-hold comparison portfolio assume annual rebalancing.
The results for the tactical asset allocation model assume monthly rebalancing trades.
Risk free returns (out of market) are based on 3-month treasury bill returns or the selected asset.
The volatility signal is based on daily total returns accounting for splits and dividends.

Annual returns for the timing portfolio and various benchmark portfolios
Year	Inflation	Target Volatility Model		Buy & Hold Portfolio		Vanguard 500 Index Investor		Vanguard Total Stock Mkt Idx Inv (VTSMX)	Vanguard Total Intl Stock Index Inv (VGTSX)	Vanguard Real Estate Index Investor (VGSIX)	Vanguard Total Bond Market Index Inv (VBMFX)	Cash (CASHX)
Year	Inflation	Return	Balance	Return	Balance	Return	Balance	Vanguard Total Stock Mkt Idx Inv (VTSMX)	Vanguard Total Intl Stock Index Inv (VGTSX)	Vanguard Real Estate Index Investor (VGSIX)	Vanguard Total Bond Market Index Inv (VBMFX)	Cash (CASHX)
1997	1.70%	15.08%	$11,508	16.95%	$11,695	33.19%	$13,319	30.99%	-0.77%	18.77%	9.44%	5.22%
1998	1.61%	7.47%	$12,367	13.37%	$13,259	28.62%	$17,131	23.26%	15.60%	-16.32%	8.58%	4.97%
1999	2.68%	13.09%	$13,986	14.88%	$15,231	21.07%	$20,740	23.81%	29.92%	-4.04%	-0.76%	4.77%
2000	3.39%	-0.31%	$13,943	-1.30%	$15,033	-9.06%	$18,861	-10.57%	-15.61%	26.35%	11.39%	5.99%
2001	1.55%	-6.21%	$13,077	-4.65%	$14,334	-12.02%	$16,594	-10.97%	-20.15%	12.35%	8.43%	3.70%
2002	2.38%	-7.52%	$12,094	-8.55%	$13,108	-22.15%	$12,919	-20.96%	-15.08%	3.75%	8.26%	1.65%
2003	1.88%	20.87%	$14,618	25.37%	$16,434	28.50%	$16,601	31.35%	40.34%	35.65%	3.97%	1.04%
2004	3.26%	14.16%	$16,688	13.52%	$18,656	10.74%	$18,384	12.51%	20.84%	30.76%	4.24%	1.32%
2005	3.42%	6.72%	$17,809	7.41%	$20,039	4.77%	$19,262	5.98%	15.57%	11.89%	2.40%	3.14%
2006	2.54%	15.25%	$20,524	16.32%	$23,309	15.64%	$22,275	15.51%	26.64%	35.07%	4.27%	4.82%
2007	4.08%	4.66%	$21,481	5.73%	$24,645	5.39%	$23,475	5.49%	15.52%	-16.46%	6.92%	4.56%
2008	0.09%	-12.08%	$18,887	-25.82%	$18,280	-37.02%	$14,784	-37.04%	-44.10%	-37.05%	5.05%	1.53%
2009	2.72%	11.78%	$21,112	23.56%	$22,588	26.49%	$18,700	28.70%	36.73%	29.58%	5.93%	0.16%
2010	1.50%	7.95%	$22,791	13.82%	$25,709	14.91%	$21,489	17.09%	11.12%	28.30%	6.42%	0.14%
2011	2.96%	2.24%	$23,301	0.59%	$25,860	1.97%	$21,911	0.96%	-14.56%	8.47%	7.56%	0.07%
2012	1.74%	11.17%	$25,904	13.10%	$29,246	15.82%	$25,379	16.25%	18.14%	17.53%	4.05%	0.08%
2013	1.50%	13.61%	$29,430	15.90%	$33,897	32.18%	$33,544	33.35%	15.04%	2.31%	-2.26%	0.05%
2014	0.76%	8.18%	$31,837	8.86%	$36,902	13.51%	$38,076	12.43%	-4.24%	30.13%	5.76%	0.03%
2015	0.73%	-1.85%	$31,249	-0.45%	$36,737	1.25%	$38,551	0.29%	-4.37%	2.22%	0.30%	0.05%
2016	2.07%	6.03%	$33,133	7.53%	$39,502	11.82%	$43,107	12.53%	4.65%	8.34%	2.50%	0.30%
2017	2.11%	15.08%	$38,129	15.42%	$45,594	21.67%	$52,447	21.05%	27.40%	4.83%	3.46%	0.88%
2018	1.91%	-4.54%	$36,398	-5.64%	$43,022	-4.52%	$50,074	-5.26%	-14.44%	-6.11%	-0.13%	1.90%
2019	2.29%	17.09%	$42,618	22.01%	$52,490	31.33%	$65,761	30.65%	21.43%	28.78%	8.61%	2.13%
2020	1.36%	1.97%	$43,456	12.39%	$58,991	18.25%	$77,760	20.87%	11.16%	-4.78%	7.61%	0.44%
2021	7.04%	12.27%	$48,788	15.45%	$68,104	28.53%	$99,948	25.59%	8.61%	40.19%	-1.77%	0.04%
2022	4.84%	-9.65%	$44,080	-17.40%	$56,251	-20.02%	$79,941	-21.43%	-18.19%	-20.56%	-10.46%	0.26%
Annual return for 2022 is from 01/01/2022 to 06/30/2022

Monthly returns for the timing portfolio and various benchmark portfolios
Year	Month	Target Volatility Model		Buy & Hold Portfolio		Vanguard 500 Index Investor		Vanguard Total Stock Mkt Idx Inv (VTSMX)	Vanguard Total Intl Stock Index Inv (VGTSX)	Vanguard Real Estate Index Investor (VGSIX)	Vanguard Total Bond Market Index Inv (VBMFX)	Cash (CASHX)
Year	Month	Return	Balance	Return	Balance	Return	Balance	Vanguard Total Stock Mkt Idx Inv (VTSMX)	Vanguard Total Intl Stock Index Inv (VGTSX)	Vanguard Real Estate Index Investor (VGSIX)	Vanguard Total Bond Market Index Inv (VBMFX)	Cash (CASHX)
1997	1	1.80%	$10,180	1.80%	$10,180	6.22%	$10,622	5.46%	-2.37%	0.16%	0.25%	0.43%
1997	2	0.32%	$10,213	0.31%	$10,211	0.79%	$10,706	-0.11%	1.82%	-0.32%	0.11%	0.42%
1997	3	-2.06%	$10,003	-2.11%	$9,996	-4.14%	$10,263	-4.45%	-0.10%	0.38%	-0.97%	0.43%
1997	4	1.98%	$10,201	1.98%	$10,194	5.96%	$10,874	4.50%	0.20%	-3.10%	1.49%	0.44%
1997	5	4.05%	$10,614	4.75%	$10,678	6.09%	$11,536	7.10%	6.54%	2.95%	0.87%	0.43%
1997	6	3.69%	$11,005	3.73%	$11,076	4.45%	$12,050	4.37%	5.40%	5.13%	1.16%	0.40%
1997	7	4.55%	$11,506	4.67%	$11,594	7.97%	$13,010	7.77%	1.59%	2.85%	2.80%	0.43%
1997	8	-3.54%	$11,099	-3.61%	$11,175	-5.61%	$12,280	-3.72%	-8.60%	-0.75%	-0.85%	0.43%
1997	9	4.77%	$11,628	4.84%	$11,716	5.47%	$12,951	5.77%	5.51%	9.24%	1.45%	0.43%
1997	10	-3.02%	$11,277	-3.08%	$11,355	-3.35%	$12,518	-3.40%	-9.10%	-2.80%	1.45%	0.41%
1997	11	0.93%	$11,382	1.52%	$11,527	4.60%	$13,093	3.33%	-1.19%	1.73%	0.33%	0.43%
1997	12	1.11%	$11,508	1.46%	$11,695	1.72%	$13,319	1.70%	0.92%	2.48%	1.04%	0.43%
1998	1	1.02%	$11,625	1.05%	$11,819	1.11%	$13,467	0.44%	3.04%	-1.27%	1.32%	0.44%
1998	2	3.49%	$12,031	4.13%	$12,307	7.19%	$14,435	7.34%	6.88%	-1.65%	-0.10%	0.43%
1998	3	3.02%	$12,395	3.08%	$12,686	5.10%	$15,172	5.06%	3.22%	2.55%	0.33%	0.44%
1998	4	0.36%	$12,440	0.40%	$12,737	1.01%	$15,325	1.10%	0.53%	-3.36%	0.51%	0.42%
1998	5	-0.92%	$12,325	-1.25%	$12,578	-1.74%	$15,058	-2.71%	-1.51%	-0.89%	1.02%	0.41%
1998	6	1.60%	$12,523	1.64%	$12,785	4.07%	$15,671	3.54%	-0.27%	-0.03%	0.81%	0.41%
1998	7	-1.15%	$12,379	-1.28%	$12,622	-1.05%	$15,506	-2.27%	1.08%	-6.90%	0.23%	0.42%
1998	8	-8.80%	$11,289	-9.62%	$11,407	-14.47%	$13,262	-15.65%	-13.66%	-9.21%	1.90%	0.42%
1998	9	1.86%	$11,500	3.32%	$11,787	6.41%	$14,112	6.68%	-2.07%	5.99%	1.96%	0.40%
1998	10	2.38%	$11,773	4.74%	$12,346	8.16%	$15,264	7.51%	10.77%	-1.81%	-0.55%	0.36%
1998	11	2.04%	$12,013	3.90%	$12,827	6.07%	$16,191	6.17%	5.34%	1.58%	0.49%	0.36%
1998	12	2.95%	$12,367	3.36%	$13,259	5.81%	$17,131	6.45%	3.26%	-1.80%	0.38%	0.37%
1999	1	1.31%	$12,530	1.33%	$13,435	4.20%	$17,851	3.65%	-0.63%	-2.44%	0.79%	0.37%
1999	2	-1.96%	$12,284	-2.63%	$13,082	-3.12%	$17,293	-3.73%	-2.16%	-1.57%	-1.77%	0.37%
1999	3	2.26%	$12,562	2.70%	$13,434	4.00%	$17,984	3.93%	4.97%	-0.44%	0.56%	0.38%
1999	4	3.49%	$13,000	3.96%	$13,966	3.85%	$18,677	4.68%	5.08%	9.55%	0.40%	0.37%
1999	5	-1.85%	$12,759	-1.89%	$13,703	-2.39%	$18,231	-2.00%	-5.00%	2.09%	-0.88%	0.37%
1999	6	2.32%	$13,055	2.65%	$14,067	5.56%	$19,243	5.16%	4.39%	-1.87%	-0.50%	0.38%
1999	7	-1.18%	$12,900	-1.29%	$13,885	-3.13%	$18,641	-3.20%	2.27%	-2.91%	-0.39%	0.39%
1999	8	-0.43%	$12,845	-0.43%	$13,825	-0.50%	$18,549	-0.92%	0.33%	-1.00%	-0.08%	0.39%
1999	9	-0.66%	$12,760	-0.88%	$13,704	-2.74%	$18,041	-2.44%	0.82%	-4.12%	1.26%	0.41%
1999	10	2.81%	$13,119	3.23%	$14,147	6.33%	$19,182	6.29%	3.74%	-2.25%	0.33%	0.40%
1999	11	1.47%	$13,311	2.17%	$14,454	2.02%	$19,570	3.42%	4.08%	-1.50%	0.02%	0.42%
1999	12	5.07%	$13,986	5.38%	$15,231	5.98%	$20,740	7.59%	9.37%	3.07%	-0.48%	0.43%
2000	1	-2.91%	$13,579	-2.91%	$14,788	-5.03%	$19,696	-4.18%	-6.22%	0.61%	-0.17%	0.43%
2000	2	1.26%	$13,751	1.76%	$15,048	-1.91%	$19,321	2.54%	2.83%	-1.51%	1.18%	0.47%
2000	3	3.17%	$14,187	3.72%	$15,608	9.75%	$21,205	5.69%	3.48%	3.50%	1.40%	0.47%
2000	4	-1.42%	$13,985	-2.64%	$15,197	-3.00%	$20,569	-5.21%	-5.41%	6.73%	-0.49%	0.48%
2000	5	-0.63%	$13,897	-1.79%	$14,925	-2.04%	$20,150	-3.41%	-2.67%	1.03%	-0.16%	0.48%
2000	6	2.23%	$14,206	3.47%	$15,442	2.49%	$20,652	4.42%	4.27%	2.49%	2.15%	0.46%
2000	7	-0.30%	$14,164	-0.36%	$15,387	-1.50%	$20,343	-1.95%	-4.46%	8.77%	0.88%	0.48%
2000	8	2.61%	$14,534	2.94%	$15,839	6.19%	$21,602	7.28%	1.00%	-3.99%	1.40%	0.51%
2000	9	-2.35%	$14,193	-2.20%	$15,491	-5.29%	$20,459	-4.67%	-5.00%	2.93%	0.76%	0.52%
2000	10	-1.59%	$13,967	-1.70%	$15,227	-0.43%	$20,372	-2.04%	-3.03%	-4.63%	0.57%	0.51%
2000	11	-2.12%	$13,670	-3.91%	$14,632	-7.89%	$18,765	-9.90%	-4.44%	1.74%	1.58%	0.52%
2000	12	2.00%	$13,943	2.74%	$15,033	0.51%	$18,861	1.78%	3.72%	6.88%	1.79%	0.51%
2001	1	1.48%	$14,149	2.32%	$15,382	3.55%	$19,530	3.83%	1.10%	0.43%	1.76%	0.48%
2001	2	-3.05%	$13,717	-5.22%	$14,579	-9.14%	$17,746	-9.41%	-7.61%	-1.72%	0.91%	0.41%
2001	3	-3.44%	$13,245	-3.73%	$14,035	-6.36%	$16,618	-6.72%	-7.15%	0.81%	0.54%	0.40%
2001	4	2.61%	$13,590	4.63%	$14,684	7.77%	$17,909	8.16%	7.89%	2.28%	-0.46%	0.35%
2001	5	0.24%	$13,623	0.17%	$14,710	0.65%	$18,025	1.01%	-3.52%	2.15%	0.73%	0.32%
2001	6	-0.50%	$13,555	-0.55%	$14,628	-2.45%	$17,584	-1.64%	-3.84%	5.92%	0.52%	0.30%
2001	7	-0.71%	$13,458	-0.62%	$14,537	-1.00%	$17,409	-1.71%	-2.43%	-2.10%	2.23%	0.30%
2001	8	-1.74%	$13,224	-1.94%	$14,255	-6.27%	$16,316	-6.00%	-2.30%	3.54%	1.11%	0.29%
2001	9	-5.86%	$12,449	-5.33%	$13,495	-8.09%	$14,996	-9.00%	-10.73%	-3.87%	0.89%	0.28%
2001	10	0.84%	$12,553	1.65%	$13,718	1.90%	$15,280	2.52%	2.97%	-3.37%	1.86%	0.20%
2001	11	3.22%	$12,957	3.48%	$14,196	7.65%	$16,450	7.63%	3.56%	5.76%	-1.34%	0.17%
2001	12	0.93%	$13,077	0.97%	$14,334	0.87%	$16,594	1.78%	1.35%	2.47%	-0.58%	0.15%
2002	1	-0.98%	$12,949	-1.24%	$14,156	-1.47%	$16,349	-1.24%	-4.63%	-0.25%	0.69%	0.14%
2002	2	-0.17%	$12,927	-0.18%	$14,130	-1.94%	$16,033	-2.05%	0.90%	1.98%	0.85%	0.14%
2002	3	2.54%	$13,256	3.03%	$14,557	3.74%	$16,633	4.38%	5.71%	6.24%	-1.46%	0.15%
2002	4	-1.09%	$13,111	-1.30%	$14,368	-6.07%	$15,622	-4.90%	0.42%	0.62%	1.69%	0.15%
2002	5	0.12%	$13,126	0.15%	$14,391	-0.75%	$15,505	-1.22%	1.16%	1.30%	0.80%	0.15%
2002	6	-2.77%	$12,763	-3.15%	$13,937	-7.13%	$14,398	-7.06%	-4.28%	2.81%	0.29%	0.14%
2002	7	-4.72%	$12,161	-5.36%	$13,189	-7.72%	$13,287	-8.02%	-9.80%	-5.28%	0.48%	0.14%
2002	8	0.33%	$12,201	0.74%	$13,287	0.65%	$13,374	0.53%	-0.12%	0.16%	1.66%	0.14%
2002	9	-2.79%	$11,860	-5.52%	$12,553	-10.87%	$11,919	-10.07%	-10.88%	-3.53%	1.53%	0.14%
2002	10	1.86%	$12,081	2.78%	$12,903	8.78%	$12,966	7.65%	5.70%	-4.95%	-0.61%	0.13%
2002	11	1.60%	$12,274	3.50%	$13,355	5.88%	$13,728	6.06%	4.75%	4.43%	0.02%	0.12%
2002	12	-1.47%	$12,094	-1.85%	$13,108	-5.89%	$12,919	-5.57%	-3.43%	0.85%	2.07%	0.10%
2003	1	-1.67%	$11,893	-2.02%	$12,843	-2.62%	$12,580	-2.54%	-3.76%	-2.70%	0.05%	0.10%
2003	2	-0.33%	$11,853	-0.55%	$12,772	-1.52%	$12,389	-1.69%	-2.42%	1.74%	1.38%	0.10%
2003	3	0.19%	$11,876	0.22%	$12,801	0.96%	$12,507	1.09%	-1.93%	2.04%	-0.13%	0.10%
2003	4	3.23%	$12,259	5.78%	$13,540	8.25%	$13,540	8.21%	9.70%	4.05%	0.87%	0.09%
2003	5	3.89%	$12,736	4.79%	$14,188	5.26%	$14,252	6.11%	6.15%	5.52%	1.82%	0.09%
2003	6	1.22%	$12,891	1.31%	$14,374	1.26%	$14,432	1.43%	2.66%	2.25%	-0.13%	0.09%
2003	7	1.02%	$13,022	1.19%	$14,545	1.74%	$14,684	2.36%	3.18%	5.18%	-3.34%	0.07%
2003	8	1.49%	$13,216	1.74%	$14,799	1.93%	$14,967	2.39%	2.51%	0.65%	0.61%	0.08%
2003	9	1.25%	$13,381	1.18%	$14,974	-1.07%	$14,807	-1.15%	2.78%	3.41%	2.71%	0.08%
2003	10	3.57%	$13,859	3.78%	$15,540	5.64%	$15,642	6.12%	6.49%	1.63%	-0.96%	0.08%
2003	11	1.49%	$14,066	1.57%	$15,783	0.86%	$15,778	1.38%	2.13%	4.31%	0.27%	0.08%
2003	12	3.93%	$14,618	4.12%	$16,434	5.22%	$16,601	4.48%	7.80%	3.08%	0.88%	0.08%
2004	1	1.90%	$14,896	1.90%	$16,746	1.82%	$16,904	2.23%	1.60%	4.28%	0.86%	0.08%
2004	2	1.55%	$15,126	1.55%	$17,005	1.38%	$17,136	1.43%	2.50%	1.64%	1.03%	0.08%
2004	3	0.44%	$15,193	0.45%	$17,082	-1.51%	$16,877	-1.07%	0.45%	5.43%	0.80%	0.08%
2004	4	-2.79%	$14,769	-3.80%	$16,432	-1.58%	$16,611	-2.11%	-3.14%	-14.56%	-2.61%	0.08%
2004	5	1.15%	$14,939	1.18%	$16,626	1.36%	$16,836	1.35%	0.46%	7.09%	-0.43%	0.08%
2004	6	1.35%	$15,141	1.77%	$16,921	1.93%	$17,161	2.09%	2.40%	2.79%	0.56%	0.09%
2004	7	-1.76%	$14,874	-1.88%	$16,603	-3.31%	$16,593	-3.80%	-3.34%	0.51%	0.96%	0.11%
2004	8	1.64%	$15,118	1.67%	$16,881	0.38%	$16,657	0.31%	0.75%	7.83%	1.94%	0.12%
2004	9	1.31%	$15,316	1.29%	$17,098	1.07%	$16,834	1.74%	2.96%	-0.23%	0.16%	0.13%
2004	10	2.11%	$15,640	2.15%	$17,466	1.51%	$17,089	1.68%	3.24%	5.39%	0.85%	0.14%
2004	11	3.49%	$16,186	3.53%	$18,082	4.05%	$17,781	4.68%	7.23%	4.15%	-0.81%	0.16%
2004	12	3.10%	$16,688	3.17%	$18,656	3.39%	$18,384	3.63%	4.44%	4.83%	0.92%	0.18%
2005	1	-2.05%	$16,345	-2.05%	$18,272	-2.45%	$17,933	-2.68%	-1.67%	-8.46%	0.65%	0.18%
2005	2	1.86%	$16,649	1.84%	$18,608	2.09%	$18,308	2.07%	4.68%	2.85%	-0.63%	0.21%
2005	3	-1.59%	$16,385	-1.60%	$18,311	-1.76%	$17,986	-1.75%	-2.93%	-1.58%	-0.49%	0.23%
2005	4	-0.35%	$16,327	-0.38%	$18,240	-1.91%	$17,642	-2.32%	-2.07%	5.81%	1.35%	0.23%
2005	5	1.94%	$16,643	2.14%	$18,630	3.17%	$18,201	3.77%	0.08%	3.24%	1.05%	0.24%
2005	6	1.25%	$16,850	1.25%	$18,863	0.13%	$18,224	0.81%	1.30%	4.96%	0.55%	0.25%
2005	7	2.78%	$17,318	2.77%	$19,386	3.71%	$18,900	4.11%	3.68%	6.97%	-0.99%	0.26%
2005	8	0.23%	$17,357	0.18%	$19,420	-0.91%	$18,727	-0.94%	2.85%	-3.74%	1.36%	0.28%
2005	9	1.02%	$17,534	1.03%	$19,620	0.79%	$18,876	0.86%	4.73%	0.57%	-1.10%	0.29%
2005	10	-1.90%	$17,201	-1.93%	$19,243	-1.68%	$18,559	-1.86%	-3.37%	-2.35%	-0.81%	0.29%
2005	11	2.13%	$17,568	2.70%	$19,763	3.76%	$19,258	3.97%	2.67%	4.25%	0.48%	0.33%
2005	12	1.37%	$17,809	1.39%	$20,039	0.02%	$19,262	0.14%	5.14%	-0.10%	0.99%	0.32%
2006	1	3.49%	$18,431	3.49%	$20,739	2.65%	$19,771	3.50%	6.87%	7.53%	-0.11%	0.33%
2006	2	0.17%	$18,462	0.15%	$20,770	0.26%	$19,823	0.00%	-0.72%	1.83%	0.37%	0.37%
2006	3	1.54%	$18,746	1.59%	$21,100	1.23%	$20,067	1.80%	3.17%	4.83%	-1.00%	0.38%
2006	4	1.04%	$18,941	1.06%	$21,323	1.33%	$20,335	1.11%	5.12%	-3.63%	-0.21%	0.38%
2006	5	-2.49%	$18,469	-2.57%	$20,774	-2.90%	$19,746	-3.23%	-4.45%	-2.80%	-0.09%	0.39%
2006	6	0.52%	$18,565	0.57%	$20,891	0.13%	$19,771	0.17%	-0.38%	5.29%	0.10%	0.40%
2006	7	0.74%	$18,703	0.95%	$21,091	0.61%	$19,891	-0.13%	1.15%	3.49%	1.35%	0.41%
2006	8	1.78%	$19,035	2.32%	$21,581	2.36%	$20,361	2.31%	2.53%	3.72%	1.64%	0.42%
2006	9	1.39%	$19,300	1.39%	$21,880	2.56%	$20,883	2.27%	0.25%	1.90%	0.81%	0.41%
2006	10	3.04%	$19,886	3.13%	$22,564	3.25%	$21,562	3.53%	4.00%	6.11%	0.72%	0.40%
2006	11	2.44%	$20,371	2.52%	$23,133	1.89%	$21,969	2.23%	3.73%	4.69%	1.11%	0.42%
2006	12	0.75%	$20,524	0.76%	$23,309	1.39%	$22,275	1.13%	3.09%	-1.81%	-0.48%	0.41%
2007	1	1.77%	$20,887	1.77%	$23,722	1.49%	$22,607	1.88%	0.96%	8.52%	-0.08%	0.41%
2007	2	-0.42%	$20,799	-0.45%	$23,615	-1.97%	$22,162	-1.61%	0.06%	-2.41%	1.50%	0.42%
2007	3	0.69%	$20,942	0.76%	$23,794	1.11%	$22,409	1.11%	2.80%	-2.37%	0.02%	0.42%
2007	4	1.91%	$21,342	2.54%	$24,398	4.42%	$23,399	4.01%	3.92%	-0.04%	0.51%	0.41%
2007	5	1.85%	$21,737	1.89%	$24,858	3.48%	$24,212	3.69%	3.09%	-0.11%	-0.78%	0.40%
2007	6	-1.59%	$21,392	-1.56%	$24,469	-1.68%	$23,806	-1.67%	0.61%	-9.26%	-0.39%	0.39%
2007	7	-1.48%	$21,075	-2.08%	$23,961	-3.08%	$23,072	-3.41%	-1.06%	-7.77%	0.84%	0.39%
2007	8	1.14%	$21,314	1.38%	$24,291	1.50%	$23,418	1.45%	-0.72%	6.49%	1.34%	0.40%
2007	9	1.77%	$21,693	3.39%	$25,114	3.72%	$24,290	3.59%	6.38%	4.25%	0.72%	0.33%
2007	10	1.71%	$22,063	2.41%	$25,719	1.58%	$24,673	1.85%	5.90%	1.22%	0.93%	0.31%
2007	11	-2.30%	$21,556	-3.11%	$24,919	-4.19%	$23,640	-4.49%	-4.57%	-9.32%	1.91%	0.32%
2007	12	-0.35%	$21,481	-1.10%	$24,645	-0.70%	$23,475	-0.60%	-2.28%	-5.11%	0.22%	0.26%
2008	1	-2.02%	$21,047	-3.67%	$23,740	-6.02%	$22,063	-6.08%	-8.55%	-0.34%	1.69%	0.28%
2008	2	-0.66%	$20,907	-1.46%	$23,394	-3.25%	$21,345	-3.07%	0.33%	-3.73%	0.19%	0.16%
2008	3	0.27%	$20,963	0.39%	$23,484	-0.44%	$21,251	-0.58%	-0.71%	6.45%	0.30%	0.15%
2008	4	1.57%	$21,293	3.56%	$24,320	4.85%	$22,283	5.02%	5.85%	5.89%	-0.30%	0.11%
2008	5	0.65%	$21,431	0.87%	$24,532	1.29%	$22,571	2.09%	1.51%	0.14%	-0.79%	0.12%
2008	6	-5.15%	$20,327	-6.14%	$23,027	-8.44%	$20,666	-8.19%	-8.99%	-10.77%	-0.01%	0.15%
2008	7	-0.39%	$20,249	-0.67%	$22,874	-0.83%	$20,494	-0.77%	-3.67%	3.15%	0.00%	0.16%
2008	8	0.09%	$20,268	0.13%	$22,903	1.45%	$20,791	1.58%	-5.10%	2.25%	0.70%	0.14%
2008	9	-3.70%	$19,518	-6.25%	$21,472	-8.91%	$18,939	-9.26%	-13.09%	-0.11%	-1.10%	0.14%
2008	10	-3.24%	$18,886	-14.71%	$18,313	-16.79%	$15,759	-17.63%	-22.09%	-31.23%	-2.53%	0.08%
2008	11	-0.73%	$18,747	-4.55%	$17,480	-7.17%	$14,628	-7.90%	-6.29%	-23.39%	3.64%	0.04%
2008	12	0.74%	$18,887	4.58%	$18,280	1.07%	$14,784	1.86%	8.16%	17.39%	3.32%	0.00%
2009	1	-1.46%	$18,610	-7.64%	$16,883	-8.41%	$13,540	-8.26%	-11.96%	-17.39%	-0.70%	0.01%
2009	2	-2.08%	$18,224	-7.97%	$15,537	-10.66%	$12,097	-10.45%	-9.58%	-20.76%	-0.42%	0.02%
2009	3	1.84%	$18,559	5.90%	$16,454	8.76%	$13,157	8.65%	9.31%	3.76%	1.48%	0.02%
2009	4	2.01%	$18,932	9.16%	$17,961	9.56%	$14,415	10.61%	12.78%	31.31%	0.36%	0.02%
2009	5	1.60%	$19,234	5.50%	$18,950	5.62%	$15,225	5.38%	14.35%	2.36%	0.85%	0.01%
2009	6	-0.08%	$19,218	-0.28%	$18,897	0.22%	$15,258	0.34%	-1.32%	-3.25%	0.54%	0.01%
2009	7	3.41%	$19,874	6.63%	$20,149	7.58%	$16,414	7.82%	9.96%	10.64%	1.43%	0.02%
2009	8	1.94%	$20,259	3.78%	$20,911	3.60%	$17,005	3.63%	3.50%	13.99%	1.01%	0.02%
2009	9	2.30%	$20,724	3.84%	$21,713	3.72%	$17,637	4.23%	5.15%	6.69%	1.19%	0.01%
2009	10	-1.07%	$20,501	-1.89%	$21,303	-1.87%	$17,308	-2.57%	-2.17%	-4.64%	0.41%	0.01%
2009	11	1.98%	$20,907	4.18%	$22,194	5.98%	$18,343	5.63%	3.86%	6.85%	1.36%	0.00%
2009	12	0.98%	$21,112	1.77%	$22,588	1.95%	$18,700	2.86%	1.53%	7.03%	-1.68%	0.01%
2010	1	-2.47%	$20,590	-2.47%	$22,029	-3.60%	$18,026	-3.50%	-5.07%	-5.32%	1.57%	0.01%
2010	2	1.39%	$20,877	1.97%	$22,464	3.09%	$18,583	3.36%	0.22%	5.55%	0.20%	0.01%
2010	3	2.94%	$21,490	4.79%	$23,539	6.01%	$19,701	6.27%	6.71%	10.09%	-0.08%	0.01%
2010	4	1.56%	$21,824	1.61%	$23,919	1.58%	$20,012	2.17%	-1.71%	7.09%	1.06%	0.01%
2010	5	-3.98%	$20,955	-5.65%	$22,566	-8.01%	$18,410	-8.00%	-10.78%	-5.41%	0.87%	0.01%
2010	6	-0.81%	$20,785	-2.55%	$21,991	-5.24%	$17,445	-5.66%	-1.17%	-5.24%	1.61%	0.01%
2010	7	2.68%	$21,343	5.93%	$23,295	7.00%	$18,666	6.99%	10.33%	9.73%	0.94%	0.02%
2010	8	-1.23%	$21,080	-2.14%	$22,796	-4.53%	$17,820	-4.75%	-3.22%	-1.24%	1.48%	0.01%
2010	9	3.97%	$21,917	6.03%	$24,170	8.92%	$19,410	9.47%	10.41%	4.37%	-0.01%	0.01%
2010	10	1.98%	$22,350	2.88%	$24,866	3.79%	$20,145	3.94%	3.55%	4.80%	0.36%	0.01%
2010	11	-0.97%	$22,133	-1.05%	$24,603	0.00%	$20,145	0.58%	-4.52%	-2.04%	-0.57%	0.01%
2010	12	2.97%	$22,791	4.49%	$25,709	6.67%	$21,489	6.81%	8.34%	4.63%	-1.15%	0.01%
2011	1	1.37%	$23,104	1.37%	$26,061	2.36%	$21,995	2.19%	0.70%	3.32%	0.08%	0.01%
2011	2	2.49%	$23,678	2.50%	$26,714	3.42%	$22,747	3.60%	2.71%	4.58%	0.16%	0.01%
2011	3	-0.05%	$23,667	-0.05%	$26,700	0.03%	$22,753	0.45%	-0.43%	-1.44%	-0.01%	0.01%
2011	4	2.35%	$24,222	3.23%	$27,561	2.95%	$23,423	2.99%	5.24%	5.66%	1.32%	0.01%
2011	5	-0.51%	$24,099	-0.54%	$27,412	-1.15%	$23,155	-1.16%	-2.87%	1.36%	1.30%	0.00%
2011	6	-1.35%	$23,772	-1.49%	$27,002	-1.67%	$22,768	-1.79%	-1.51%	-3.35%	-0.39%	0.01%
2011	7	-0.42%	$23,672	-0.60%	$26,840	-2.05%	$22,302	-2.28%	-1.53%	1.55%	1.58%	0.00%
2011	8	-2.95%	$22,974	-4.19%	$25,714	-5.45%	$21,087	-5.99%	-8.45%	-5.53%	1.46%	0.01%
2011	9	-1.53%	$22,624	-6.20%	$24,119	-7.04%	$19,602	-7.75%	-12.29%	-10.98%	0.89%	0.00%
2011	10	3.23%	$23,353	7.70%	$25,977	10.91%	$21,741	11.51%	10.22%	14.39%	0.16%	0.00%
2011	11	-0.42%	$23,255	-1.12%	$25,685	-0.23%	$21,691	-0.29%	-2.88%	-3.73%	-0.30%	0.00%
2011	12	0.20%	$23,301	0.68%	$25,860	1.02%	$21,911	0.80%	-2.64%	4.61%	1.08%	0.00%
2012	1	2.63%	$23,913	4.40%	$26,997	4.46%	$22,889	5.08%	7.27%	6.49%	0.87%	0.00%
2012	2	2.61%	$24,536	2.64%	$27,711	4.31%	$23,875	4.26%	5.14%	-1.12%	-0.05%	0.01%
2012	3	1.42%	$24,884	1.44%	$28,109	3.28%	$24,659	3.07%	-0.75%	5.14%	-0.58%	0.01%
2012	4	0.01%	$24,887	-0.03%	$28,101	-0.64%	$24,501	-0.65%	-1.78%	2.88%	1.14%	0.01%
2012	5	-3.62%	$23,985	-5.05%	$26,683	-6.02%	$23,027	-6.24%	-11.14%	-4.60%	0.95%	0.01%
2012	6	2.82%	$24,662	3.34%	$27,574	4.11%	$23,973	3.91%	6.03%	5.64%	0.04%	0.01%
2012	7	0.62%	$24,814	1.12%	$27,882	1.37%	$24,301	1.03%	0.44%	1.93%	1.39%	0.01%
2012	8	1.29%	$25,133	1.54%	$28,311	2.24%	$24,845	2.48%	2.72%	-0.14%	0.03%	0.01%
2012	9	1.60%	$25,536	1.61%	$28,766	2.58%	$25,486	2.58%	3.62%	-1.83%	0.11%	0.01%
2012	10	-0.63%	$25,376	-0.68%	$28,571	-1.86%	$25,012	-1.76%	0.56%	-0.83%	0.11%	0.01%
2012	11	0.68%	$25,549	0.69%	$28,768	0.56%	$25,152	0.74%	1.82%	-0.37%	0.19%	0.01%
2012	12	1.39%	$25,904	1.66%	$29,246	0.90%	$25,379	1.19%	4.17%	3.69%	-0.20%	0.01%
2013	1	3.02%	$26,687	3.02%	$30,131	5.18%	$26,692	5.50%	3.34%	3.71%	-0.71%	0.00%
2013	2	0.55%	$26,834	0.56%	$30,299	1.34%	$27,050	1.28%	-1.23%	1.24%	0.54%	0.01%
2013	3	1.93%	$27,351	2.07%	$30,926	3.74%	$28,061	3.88%	0.77%	2.89%	0.08%	0.01%
2013	4	2.34%	$27,991	2.35%	$31,654	1.91%	$28,597	1.70%	3.58%	6.70%	0.91%	0.01%
2013	5	-0.63%	$27,816	-0.72%	$31,424	2.33%	$29,262	2.32%	-2.95%	-5.96%	-1.71%	0.00%
2013	6	-1.95%	$27,274	-1.92%	$30,820	-1.35%	$28,867	-1.27%	-3.75%	-1.96%	-1.65%	0.00%
2013	7	1.87%	$27,785	3.37%	$31,860	5.07%	$30,331	5.49%	4.56%	0.83%	0.20%	0.00%
2013	8	-2.33%	$27,137	-2.41%	$31,094	-2.91%	$29,448	-2.82%	-1.63%	-6.86%	-0.64%	0.00%
2013	9	3.52%	$28,093	3.57%	$32,204	3.12%	$30,367	3.66%	7.21%	3.28%	0.96%	0.00%
2013	10	3.05%	$28,951	3.16%	$33,223	4.59%	$31,760	4.22%	3.41%	4.46%	0.78%	0.00%
2013	11	0.52%	$29,100	0.72%	$33,462	3.03%	$32,722	2.88%	0.12%	-5.23%	-0.35%	0.00%
2013	12	1.13%	$29,430	1.30%	$33,897	2.51%	$33,544	2.63%	1.25%	0.26%	-0.65%	0.01%
2014	1	-1.32%	$29,043	-1.32%	$33,451	-3.47%	$32,381	-3.11%	-4.78%	4.19%	1.54%	0.01%
2014	2	3.49%	$30,057	3.57%	$34,645	4.56%	$33,857	4.73%	5.39%	4.96%	0.48%	0.00%
2014	3	0.29%	$30,145	0.29%	$34,746	0.82%	$34,136	0.51%	0.41%	0.49%	-0.15%	0.00%
2014	4	0.86%	$30,403	0.87%	$35,050	0.72%	$34,383	0.06%	1.31%	3.37%	0.77%	0.00%
2014	5	1.79%	$30,949	1.80%	$35,681	2.33%	$35,186	2.17%	1.88%	2.35%	1.05%	0.00%
2014	6	1.51%	$31,416	1.51%	$36,219	2.05%	$35,908	2.54%	1.74%	1.14%	0.11%	0.00%
2014	7	-1.19%	$31,043	-1.18%	$35,791	-1.39%	$35,410	-1.98%	-1.61%	0.04%	-0.26%	0.00%
2014	8	2.52%	$31,824	2.53%	$36,696	3.98%	$36,820	4.18%	1.05%	2.93%	1.13%	0.00%
2014	9	-2.67%	$30,974	-2.71%	$35,700	-1.41%	$36,300	-2.14%	-5.01%	-5.96%	-0.72%	0.00%
2014	10	2.31%	$31,690	2.41%	$36,559	2.42%	$37,179	2.74%	-0.31%	9.93%	0.94%	0.00%
2014	11	0.98%	$32,001	1.36%	$37,055	2.68%	$38,177	2.41%	-0.25%	1.98%	0.65%	0.00%
2014	12	-0.51%	$31,837	-0.41%	$36,902	-0.26%	$38,076	-0.01%	-3.65%	1.93%	0.09%	0.00%
2015	1	0.26%	$31,918	0.28%	$37,006	-3.02%	$36,927	-2.77%	0.13%	6.72%	2.31%	0.00%
2015	2	2.47%	$32,708	2.63%	$37,977	5.74%	$39,046	5.76%	5.52%	-3.59%	-1.08%	0.00%
2015	3	-0.43%	$32,568	-0.44%	$37,811	-1.59%	$38,424	-1.04%	-1.54%	1.72%	0.41%	0.00%
2015	4	0.36%	$32,683	0.49%	$37,995	0.95%	$38,789	0.42%	5.08%	-5.92%	-0.36%	0.00%
2015	5	0.21%	$32,751	0.19%	$38,068	1.27%	$39,282	1.39%	-0.94%	-0.27%	-0.45%	0.00%
2015	6	-1.98%	$32,101	-1.99%	$37,313	-1.93%	$38,523	-1.71%	-2.69%	-4.60%	-1.01%	0.00%
2015	7	1.28%	$32,512	1.23%	$37,773	2.08%	$39,324	1.63%	-0.80%	5.60%	0.76%	0.00%
2015	8	-4.60%	$31,016	-4.64%	$36,022	-6.05%	$36,946	-6.03%	-7.29%	-6.25%	-0.36%	0.01%
2015	9	-0.70%	$30,798	-1.42%	$35,509	-2.48%	$36,028	-2.93%	-3.90%	3.02%	0.76%	0.01%
2015	10	2.85%	$31,675	4.87%	$37,238	8.42%	$39,063	7.84%	6.26%	5.78%	0.01%	0.00%
2015	11	-0.19%	$31,615	-0.19%	$37,169	0.29%	$39,175	0.54%	-1.32%	-0.64%	-0.27%	0.01%
2015	12	-1.16%	$31,249	-1.16%	$36,737	-1.59%	$38,551	-2.03%	-2.07%	1.79%	-0.38%	0.02%
2016	1	-2.34%	$30,517	-3.29%	$35,527	-4.98%	$36,632	-5.67%	-5.59%	-3.36%	1.43%	0.01%
2016	2	-0.14%	$30,473	-0.29%	$35,422	-0.15%	$36,579	-0.04%	-2.27%	-0.43%	0.66%	0.03%
2016	3	3.70%	$31,600	5.65%	$37,423	6.78%	$39,058	7.01%	8.19%	10.41%	0.94%	0.03%
2016	4	0.50%	$31,760	0.55%	$37,628	0.37%	$39,204	0.63%	2.22%	-2.41%	0.38%	0.02%
2016	5	0.75%	$31,999	0.75%	$37,910	1.78%	$39,903	1.79%	-1.02%	2.36%	0.01%	0.02%
2016	6	1.17%	$32,374	1.20%	$38,364	0.25%	$40,002	0.23%	-0.94%	6.88%	1.94%	0.03%
2016	7	1.75%	$32,941	3.06%	$39,538	3.68%	$41,473	3.95%	4.41%	4.18%	0.64%	0.02%
2016	8	-0.17%	$32,886	-0.21%	$39,456	0.13%	$41,527	0.26%	0.74%	-3.68%	-0.17%	0.02%
2016	9	0.12%	$32,927	0.11%	$39,499	0.01%	$41,530	0.15%	1.37%	-1.83%	-0.09%	0.03%
2016	10	-1.44%	$32,453	-2.06%	$38,683	-1.83%	$40,769	-2.21%	-1.72%	-5.72%	-0.81%	0.02%
2016	11	0.38%	$32,575	0.39%	$38,834	3.70%	$42,277	4.44%	-2.15%	-1.73%	-2.64%	0.03%
2016	12	1.71%	$33,133	1.72%	$39,502	1.96%	$43,107	1.92%	2.02%	4.66%	0.24%	0.04%
2017	1	1.62%	$33,670	1.62%	$40,143	1.88%	$43,918	1.91%	3.87%	-0.04%	0.29%	0.04%
2017	2	2.33%	$34,453	2.33%	$41,078	3.96%	$45,659	3.71%	1.50%	3.43%	0.66%	0.04%
2017	3	0.33%	$34,568	0.34%	$41,219	0.10%	$45,704	0.07%	2.82%	-2.36%	-0.07%	0.04%
2017	4	1.10%	$34,949	1.12%	$41,680	1.02%	$46,170	1.05%	2.20%	0.15%	0.76%	0.06%
2017	5	1.14%	$35,348	1.17%	$42,168	1.39%	$46,813	1.01%	3.01%	-0.65%	0.67%	0.07%
2017	6	0.69%	$35,591	0.69%	$42,457	0.61%	$47,099	0.92%	0.52%	2.10%	0.01%	0.08%
2017	7	1.67%	$36,185	1.71%	$43,185	2.04%	$48,061	1.87%	3.42%	1.23%	0.39%	0.08%
2017	8	0.42%	$36,336	0.41%	$43,364	0.29%	$48,202	0.15%	0.64%	-0.25%	0.85%	0.09%
2017	9	1.17%	$36,761	1.22%	$43,894	2.06%	$49,195	2.45%	1.81%	-0.13%	-0.54%	0.08%
2017	10	1.18%	$37,195	1.24%	$44,440	2.32%	$50,335	2.16%	1.94%	-1.01%	0.11%	0.09%
2017	11	1.59%	$37,785	1.62%	$45,162	3.06%	$51,875	3.04%	0.78%	2.64%	-0.17%	0.09%
2017	12	0.91%	$38,129	0.96%	$45,594	1.10%	$52,447	0.99%	2.01%	-0.23%	0.44%	0.10%
2018	1	2.49%	$39,080	2.49%	$46,730	5.71%	$55,443	5.31%	5.59%	-4.21%	-1.09%	0.11%
2018	2	-3.59%	$37,678	-3.60%	$45,048	-3.69%	$53,394	-3.72%	-5.14%	-7.65%	-1.03%	0.12%
2018	3	-0.10%	$37,639	-0.42%	$44,860	-2.56%	$52,030	-1.99%	-0.64%	3.83%	0.63%	0.14%
2018	4	0.15%	$37,695	0.15%	$44,927	0.37%	$52,224	0.38%	0.83%	0.84%	-0.83%	0.14%
2018	5	1.13%	$38,120	1.26%	$45,493	2.39%	$53,475	2.79%	-1.92%	3.60%	0.61%	0.15%
2018	6	0.28%	$38,226	0.27%	$45,617	0.61%	$53,798	0.68%	-2.08%	4.13%	0.03%	0.16%
2018	7	1.91%	$38,958	1.94%	$46,502	3.71%	$55,794	3.34%	2.48%	0.74%	0.03%	0.16%
2018	8	1.34%	$39,479	1.41%	$47,156	3.25%	$57,605	3.44%	-2.19%	2.46%	0.52%	0.17%
2018	9	-0.30%	$39,360	-0.29%	$47,017	0.55%	$57,924	0.16%	0.30%	-2.63%	-0.54%	0.17%
2018	10	-5.15%	$37,334	-5.24%	$44,553	-6.85%	$53,957	-7.40%	-8.35%	-2.98%	-0.73%	0.18%
2018	11	1.13%	$37,755	1.72%	$45,320	2.03%	$55,051	2.06%	1.26%	4.73%	0.53%	0.19%
2018	12	-3.59%	$36,398	-5.07%	$43,022	-9.04%	$50,074	-9.29%	-4.85%	-7.97%	1.80%	0.19%
2019	1	3.17%	$37,550	6.43%	$45,787	8.00%	$54,081	8.59%	7.58%	11.74%	1.01%	0.20%
2019	2	1.48%	$38,104	1.83%	$46,627	3.20%	$55,812	3.50%	1.72%	0.72%	-0.06%	0.20%
2019	3	1.72%	$38,761	1.72%	$47,430	1.94%	$56,893	1.44%	0.72%	4.18%	1.96%	0.20%
2019	4	2.15%	$39,593	2.20%	$48,472	4.04%	$59,192	3.98%	2.76%	-0.10%	0.04%	0.20%
2019	5	-3.13%	$38,354	-3.32%	$46,865	-6.36%	$55,424	-6.45%	-5.55%	0.10%	1.83%	0.20%
2019	6	4.18%	$39,956	4.50%	$48,973	7.03%	$59,322	6.97%	5.83%	1.69%	1.15%	0.19%
2019	7	0.42%	$40,125	0.45%	$49,194	1.43%	$60,168	1.44%	-1.89%	1.58%	0.23%	0.17%
2019	8	-0.07%	$40,097	-0.13%	$49,128	-1.59%	$59,211	-2.03%	-2.35%	3.76%	2.78%	0.17%
2019	9	0.85%	$40,437	1.26%	$49,745	1.86%	$60,312	1.70%	2.72%	1.89%	-0.60%	0.16%
2019	10	1.68%	$41,118	1.70%	$50,590	2.15%	$61,611	2.10%	3.38%	1.06%	0.21%	0.15%
2019	11	1.58%	$41,770	1.63%	$51,415	3.62%	$63,842	3.77%	1.11%	-1.28%	-0.06%	0.13%
2019	12	2.03%	$42,618	2.09%	$52,490	3.01%	$65,761	2.85%	4.27%	0.81%	-0.15%	0.13%
2020	1	0.06%	$42,643	0.06%	$52,521	-0.05%	$65,728	-0.08%	-3.30%	1.17%	2.11%	0.13%
2020	2	-4.81%	$40,592	-4.76%	$50,022	-8.24%	$60,311	-8.18%	-6.72%	-7.08%	1.71%	0.13%
2020	3	-5.76%	$38,253	-10.45%	$44,794	-12.37%	$52,849	-13.78%	-16.11%	-19.30%	-0.59%	0.10%
2020	4	1.07%	$38,662	7.75%	$48,265	12.81%	$59,621	13.25%	8.09%	8.87%	1.69%	0.01%
2020	5	0.98%	$39,041	3.29%	$49,853	4.76%	$62,457	5.38%	4.80%	1.74%	0.54%	0.01%
2020	6	1.05%	$39,452	2.12%	$50,910	1.98%	$63,692	2.28%	4.24%	2.44%	0.70%	0.01%
2020	7	1.54%	$40,060	3.83%	$52,859	5.63%	$67,276	5.64%	4.10%	3.56%	1.55%	0.01%
2020	8	3.20%	$41,344	3.41%	$54,663	7.18%	$72,104	7.18%	4.31%	0.44%	-1.02%	0.01%
2020	9	-2.06%	$40,492	-2.07%	$53,533	-3.81%	$69,356	-3.57%	-1.96%	-2.64%	0.08%	0.01%
2020	10	-0.95%	$40,108	-1.76%	$52,591	-2.67%	$67,504	-2.16%	-2.21%	-3.09%	-0.61%	0.01%
2020	11	5.75%	$42,416	8.59%	$57,108	10.94%	$74,886	12.19%	12.93%	9.67%	1.11%	0.01%
2020	12	2.45%	$43,456	3.30%	$58,991	3.84%	$77,760	4.45%	5.82%	2.78%	0.15%	0.01%
2021	1	-0.39%	$43,284	-0.39%	$58,759	-1.02%	$76,966	-0.34%	-0.10%	0.00%	-0.80%	0.01%
2021	2	1.20%	$43,803	1.63%	$59,716	2.75%	$79,086	3.19%	2.32%	3.37%	-1.51%	0.01%
2021	3	1.51%	$44,465	1.87%	$60,834	4.37%	$82,543	3.47%	1.69%	5.10%	-1.38%	0.00%
2021	4	2.59%	$45,615	3.79%	$63,138	5.32%	$86,936	5.14%	2.78%	7.97%	0.95%	0.00%
2021	5	0.95%	$46,046	0.95%	$63,740	0.69%	$87,533	0.43%	3.14%	0.76%	0.24%	0.00%
2021	6	1.12%	$46,561	1.45%	$64,666	2.31%	$89,553	2.53%	-0.46%	2.62%	0.77%	0.00%
2021	7	1.23%	$47,135	1.28%	$65,491	2.38%	$91,682	1.71%	-1.28%	4.44%	1.21%	0.00%
2021	8	1.64%	$47,909	1.73%	$66,627	3.03%	$94,459	2.86%	1.73%	2.15%	-0.20%	0.01%
2021	9	-3.32%	$46,319	-3.47%	$64,313	-4.66%	$90,054	-4.49%	-3.42%	-5.66%	-0.91%	0.00%
2021	10	3.79%	$48,075	4.12%	$66,964	6.99%	$96,352	6.71%	2.61%	7.03%	-0.03%	0.00%
2021	11	-1.60%	$47,306	-1.66%	$65,852	-0.71%	$95,672	-1.49%	-4.41%	-2.18%	0.33%	0.00%
2021	12	3.13%	$48,788	3.42%	$68,104	4.47%	$99,948	3.81%	4.09%	9.70%	-0.41%	0.00%
2022	1	-3.37%	$47,142	-4.45%	$65,071	-5.19%	$94,765	-6.04%	-2.84%	-8.18%	-2.17%	0.01%
2022	2	-1.53%	$46,422	-2.31%	$63,567	-3.00%	$91,922	-2.55%	-2.97%	-3.70%	-1.13%	0.02%
2022	3	0.56%	$46,684	0.90%	$64,139	3.69%	$95,317	3.23%	-0.43%	6.30%	-2.82%	0.03%
2022	4	-3.17%	$45,205	-6.44%	$60,008	-8.73%	$86,996	-9.03%	-6.26%	-4.19%	-3.85%	0.04%
2022	5	-0.03%	$45,191	-0.12%	$59,935	0.17%	$87,144	-0.27%	1.39%	-4.64%	0.58%	0.07%
2022	6	-2.46%	$44,080	-6.15%	$56,251	-8.27%	$79,941	-8.38%	-8.31%	-7.50%	-1.50%	0.09%

Portfolio return and risk metrics
Metric	Target Volatility Model	Buy & Hold Portfolio	Vanguard 500 Index Investor
Arithmetic Mean (monthly)	0.51%	0.61%	0.78%
Arithmetic Mean (annualized)	6.28%	7.63%	9.80%
Geometric Mean (monthly)	0.49%	0.57%	0.68%
Geometric Mean (annualized)	5.99%	7.01%	8.49%
Standard Deviation (monthly)	2.15%	3.11%	4.47%
Standard Deviation (annualized)	7.44%	10.77%	15.47%
Downside Deviation (monthly)	1.42%	2.12%	3.02%
Maximum Drawdown	-18.45%	-39.59%	-50.97%
Stock Market Correlation	0.90	0.96	0.99
Beta^(*)	0.43	0.66	1.00
Alpha (annualized)	2.09%	1.16%	0.00%
R²	79.41%	90.43%	100.00%
Sharpe Ratio	0.56	0.51	0.48
Sortino Ratio	0.81	0.72	0.70
Treynor Ratio (%)	9.83	8.28	7.49
Calmar Ratio	0.32	0.27	0.52
Active Return	-2.50%	-1.49%	N/A
Tracking Error	9.46%	6.20%	N/A
Information Ratio	-0.26	-0.24	N/A
Skewness	-0.74	-0.83	-0.59
Excess Kurtosis	0.93	2.33	0.95
Historical Value-at-Risk (5%)	-3.36%	-5.18%	-7.84%
Analytical Value-at-Risk (5%)	-3.02%	-4.50%	-6.56%
Conditional Value-at-Risk (5%)	-4.61%	-7.12%	-9.90%
Upside Capture Ratio (%)	50.16	67.94	100.00
Downside Capture Ratio (%)	46.64	66.39	100.00
Safe Withdrawal Rate	6.45%	7.21%	7.44%
Perpetual Withdrawal Rate	3.43%	4.37%	5.70%
Positive Periods	200 out of 306 (65.36%)	199 out of 306 (65.03%)	198 out of 306 (64.71%)
Gain/Loss Ratio	0.95	0.90	0.85
^* Vanguard 500 Index Investor is used as the benchmark for calculations. Value-at-risk metrics are based on monthly values.

Drawdowns for Historical Market Stress Periods

Drawdowns for Historical Market Stress Periods
Stress Period	Start	End	Target Volatility Model	Buy & Hold Portfolio	Vanguard 500 Index Investor
Asian Crisis	Jul 1997	Jan 1998	-3.54%	-3.61%	-5.61%
Russian Debt Default	Jul 1998	Oct 1998	-9.85%	-10.77%	-15.38%
Dotcom Crash	Mar 2000	Oct 2002	-18.40%	-20.74%	-44.82%
Subprime Crisis	Nov 2007	Mar 2009	-17.40%	-39.59%	-50.97%
COVID-19 Start	Jan 2020	Mar 2020	-10.30%	-14.71%	-19.63%

Drawdowns for Target Volatility Model

Drawdowns for Target Volatility Model (worst 10)
Rank	Start	End	Length	Recovery By	Recovery Time	Underwater Period	Drawdown
1	Sep 2000	Feb 2003	2 years 6 months	Dec 2003	10 months	3 years 4 months	-18.45%
2	Nov 2007	Feb 2009	1 year 4 months	Oct 2010	1 year 8 months	3 years	-17.40%
3	Feb 2020	Mar 2020	2 months	Dec 2020	9 months	11 months	-10.30%
4	Jul 1998	Aug 1998	2 months	Jan 1999	5 months	7 months	-9.85%
5	Jan 2022	Jun 2022	6 months				-9.65%
6	Sep 2018	Dec 2018	4 months	Apr 2019	4 months	8 months	-7.80%
7	Jun 2015	Feb 2016	9 months	Jul 2016	5 months	1 year 2 months	-6.95%
8	May 2011	Sep 2011	5 months	Feb 2012	5 months	10 months	-6.60%
9	Feb 2018	Mar 2018	2 months	Aug 2018	5 months	7 months	-3.69%
10	May 2012	May 2012	1 month	Aug 2012	3 months	4 months	-3.62%
Worst 10 drawdowns included above

Drawdowns for Buy & Hold Portfolio

Drawdowns for Buy & Hold Portfolio (worst 10)
Rank	Start	End	Length	Recovery By	Recovery Time	Underwater Period	Drawdown
1	Nov 2007	Feb 2009	1 year 4 months	Jan 2011	1 year 11 months	3 years 3 months	-39.59%
2	Sep 2000	Sep 2002	2 years 1 month	Dec 2003	1 year 3 months	3 years 4 months	-20.74%
3	Jan 2022	Jun 2022	6 months				-17.40%
4	Feb 2020	Mar 2020	2 months	Jul 2020	4 months	6 months	-14.71%
5	May 2011	Sep 2011	5 months	Feb 2012	5 months	10 months	-12.49%
6	Jul 1998	Aug 1998	2 months	Nov 1998	3 months	5 months	-10.77%
7	Sep 2018	Dec 2018	4 months	Mar 2019	3 months	7 months	-8.77%
8	Jun 2015	Feb 2016	9 months	Jun 2016	4 months	1 year 1 month	-6.95%
9	Apr 2012	May 2012	2 months	Aug 2012	3 months	5 months	-5.07%
10	Apr 2000	May 2000	2 months	Aug 2000	3 months	5 months	-4.38%
Worst 10 drawdowns included above

Drawdowns for Vanguard 500 Index Investor

Drawdowns for Vanguard 500 Index Investor (worst 10)
Rank	Start	End	Length	Recovery By	Recovery Time	Underwater Period	Drawdown
1	Nov 2007	Feb 2009	1 year 4 months	Aug 2012	3 years 6 months	4 years 10 months	-50.97%
2	Sep 2000	Sep 2002	2 years 1 month	Nov 2006	4 years 2 months	6 years 3 months	-44.82%
3	Jan 2022	Jun 2022	6 months				-20.02%
4	Jan 2020	Mar 2020	3 months	Jul 2020	4 months	7 months	-19.63%
5	Jul 1998	Aug 1998	2 months	Nov 1998	3 months	5 months	-15.38%
6	Oct 2018	Dec 2018	3 months	Apr 2019	4 months	7 months	-13.55%
7	Aug 2015	Sep 2015	2 months	May 2016	8 months	10 months	-8.38%
8	Jan 2000	Feb 2000	2 months	Mar 2000	1 month	3 months	-6.84%
9	Sep 2020	Oct 2020	2 months	Nov 2020	1 month	3 months	-6.38%
10	May 2019	May 2019	1 month	Jun 2019	1 month	2 months	-6.36%
Worst 10 drawdowns included above

Rolling returns summary
Roll Period	Target Volatility Model			Buy & Hold Portfolio			Vanguard 500 Index Investor
Roll Period	Average	High	Low	Average	High	Low	Average	High	Low
1 year	6.47%	27.93%	-14.40%	8.15%	44.58%	-33.58%	10.23%	56.19%	-43.32%
3 years	6.01%	16.43%	-5.75%	7.21%	21.27%	-9.22%	8.02%	27.53%	-16.14%
5 years	5.98%	12.84%	-0.85%	6.96%	17.40%	-1.79%	7.32%	22.85%	-6.73%
7 years	6.21%	8.84%	3.74%	7.10%	12.49%	1.37%	7.41%	17.12%	-3.94%
10 years	6.27%	8.70%	3.79%	7.06%	11.62%	1.74%	7.29%	16.52%	-3.51%
15 years	6.20%	8.25%	4.94%	6.96%	8.99%	5.63%	7.07%	10.77%	3.64%

Timing periods and related holdings for the timing portfolio
#	Start	End	Months	Assets	Target Volatility Model	Buy & Hold Portfolio	Vanguard 500 Index Investor
227	Jul 2022	Jul 2022	1	Please sign-in for forward signals	-	-	-
226	Jun 2022	Jun 2022	1	16.20% Vanguard Total Stock Mkt Idx Inv (VTSMX) 8.10% Vanguard Total Intl Stock Index Inv (VGTSX) 4.05% Vanguard Real Estate Index Investor (VGSIX) 12.15% Vanguard Total Bond Market Index Inv (VBMFX) 59.50% Cash (CASHX)	-2.46%	-6.15%	-8.27%
225	May 2022	May 2022	1	21.44% Vanguard Total Stock Mkt Idx Inv (VTSMX) 10.72% Vanguard Total Intl Stock Index Inv (VGTSX) 5.36% Vanguard Real Estate Index Investor (VGSIX) 16.08% Vanguard Total Bond Market Index Inv (VBMFX) 46.40% Cash (CASHX)	-0.03%	-0.12%	0.17%
224	Apr 2022	Apr 2022	1	19.82% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.91% Vanguard Total Intl Stock Index Inv (VGTSX) 4.95% Vanguard Real Estate Index Investor (VGSIX) 14.86% Vanguard Total Bond Market Index Inv (VBMFX) 50.45% Cash (CASHX)	-3.17%	-6.44%	-8.73%
223	Mar 2022	Mar 2022	1	22.19% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.10% Vanguard Total Intl Stock Index Inv (VGTSX) 5.55% Vanguard Real Estate Index Investor (VGSIX) 16.65% Vanguard Total Bond Market Index Inv (VBMFX) 44.51% Cash (CASHX)	0.56%	0.90%	3.69%
222	Feb 2022	Feb 2022	1	26.37% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.19% Vanguard Total Intl Stock Index Inv (VGTSX) 6.59% Vanguard Real Estate Index Investor (VGSIX) 19.78% Vanguard Total Bond Market Index Inv (VBMFX) 34.07% Cash (CASHX)	-1.53%	-2.31%	-3.00%
221	Jan 2022	Jan 2022	1	30.31% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.15% Vanguard Total Intl Stock Index Inv (VGTSX) 7.58% Vanguard Real Estate Index Investor (VGSIX) 22.73% Vanguard Total Bond Market Index Inv (VBMFX) 24.23% Cash (CASHX)	-3.37%	-4.45%	-5.19%
220	Dec 2021	Dec 2021	1	39.25% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.63% Vanguard Total Intl Stock Index Inv (VGTSX) 9.81% Vanguard Real Estate Index Investor (VGSIX) 29.44% Vanguard Total Bond Market Index Inv (VBMFX) 1.86% Cash (CASHX)	3.13%	3.42%	4.47%
219	Nov 2021	Nov 2021	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-1.60%	-1.66%	-0.71%
218	Oct 2021	Oct 2021	1	38.89% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.45% Vanguard Total Intl Stock Index Inv (VGTSX) 9.72% Vanguard Real Estate Index Investor (VGSIX) 29.17% Vanguard Total Bond Market Index Inv (VBMFX) 2.77% Cash (CASHX)	3.79%	4.12%	6.99%
217	Jul 2021	Sep 2021	3	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-0.52%	-0.54%	0.56%
216	Jun 2021	Jun 2021	1	31.68% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.84% Vanguard Total Intl Stock Index Inv (VGTSX) 7.92% Vanguard Real Estate Index Investor (VGSIX) 23.76% Vanguard Total Bond Market Index Inv (VBMFX) 20.80% Cash (CASHX)	1.12%	1.45%	2.31%
215	May 2021	May 2021	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	0.95%	0.95%	0.69%
214	Apr 2021	Apr 2021	1	27.99% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.99% Vanguard Total Intl Stock Index Inv (VGTSX) 7.00% Vanguard Real Estate Index Investor (VGSIX) 20.99% Vanguard Total Bond Market Index Inv (VBMFX) 30.03% Cash (CASHX)	2.59%	3.79%	5.32%
213	Mar 2021	Mar 2021	1	33.16% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.58% Vanguard Total Intl Stock Index Inv (VGTSX) 8.29% Vanguard Real Estate Index Investor (VGSIX) 24.87% Vanguard Total Bond Market Index Inv (VBMFX) 17.10% Cash (CASHX)	1.51%	1.87%	4.37%
212	Feb 2021	Feb 2021	1	29.50% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.75% Vanguard Total Intl Stock Index Inv (VGTSX) 7.38% Vanguard Real Estate Index Investor (VGSIX) 22.13% Vanguard Total Bond Market Index Inv (VBMFX) 26.24% Cash (CASHX)	1.20%	1.63%	2.75%
211	Jan 2021	Jan 2021	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-0.39%	-0.39%	-1.02%
210	Dec 2020	Dec 2020	1	30.01% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.01% Vanguard Total Intl Stock Index Inv (VGTSX) 7.50% Vanguard Real Estate Index Investor (VGSIX) 22.51% Vanguard Total Bond Market Index Inv (VBMFX) 24.97% Cash (CASHX)	2.45%	3.30%	3.84%
209	Nov 2020	Nov 2020	1	26.25% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.13% Vanguard Total Intl Stock Index Inv (VGTSX) 6.56% Vanguard Real Estate Index Investor (VGSIX) 19.69% Vanguard Total Bond Market Index Inv (VBMFX) 34.37% Cash (CASHX)	5.75%	8.59%	10.94%
208	Oct 2020	Oct 2020	1	21.20% Vanguard Total Stock Mkt Idx Inv (VTSMX) 10.60% Vanguard Total Intl Stock Index Inv (VGTSX) 5.30% Vanguard Real Estate Index Investor (VGSIX) 15.90% Vanguard Total Bond Market Index Inv (VBMFX) 47.00% Cash (CASHX)	-0.95%	-1.76%	-2.67%
207	Sep 2020	Sep 2020	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-2.06%	-2.07%	-3.81%
206	Aug 2020	Aug 2020	1	36.95% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.47% Vanguard Total Intl Stock Index Inv (VGTSX) 9.24% Vanguard Real Estate Index Investor (VGSIX) 27.71% Vanguard Total Bond Market Index Inv (VBMFX) 7.63% Cash (CASHX)	3.20%	3.41%	7.18%
205	Jul 2020	Jul 2020	1	15.75% Vanguard Total Stock Mkt Idx Inv (VTSMX) 7.88% Vanguard Total Intl Stock Index Inv (VGTSX) 3.94% Vanguard Real Estate Index Investor (VGSIX) 11.81% Vanguard Total Bond Market Index Inv (VBMFX) 60.62% Cash (CASHX)	1.54%	3.83%	5.63%
204	Jun 2020	Jun 2020	1	18.90% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.45% Vanguard Total Intl Stock Index Inv (VGTSX) 4.72% Vanguard Real Estate Index Investor (VGSIX) 14.17% Vanguard Total Bond Market Index Inv (VBMFX) 52.76% Cash (CASHX)	1.05%	2.12%	1.98%
203	May 2020	May 2020	1	11.30% Vanguard Total Stock Mkt Idx Inv (VTSMX) 5.65% Vanguard Total Intl Stock Index Inv (VGTSX) 2.82% Vanguard Real Estate Index Investor (VGSIX) 8.47% Vanguard Total Bond Market Index Inv (VBMFX) 71.75% Cash (CASHX)	0.98%	3.29%	4.76%
202	Apr 2020	Apr 2020	1	5.12% Vanguard Total Stock Mkt Idx Inv (VTSMX) 2.56% Vanguard Total Intl Stock Index Inv (VGTSX) 1.28% Vanguard Real Estate Index Investor (VGSIX) 3.84% Vanguard Total Bond Market Index Inv (VBMFX) 87.21% Cash (CASHX)	1.07%	7.75%	12.81%
201	Mar 2020	Mar 2020	1	21.44% Vanguard Total Stock Mkt Idx Inv (VTSMX) 10.72% Vanguard Total Intl Stock Index Inv (VGTSX) 5.36% Vanguard Real Estate Index Investor (VGSIX) 16.08% Vanguard Total Bond Market Index Inv (VBMFX) 46.39% Cash (CASHX)	-5.76%	-10.45%	-12.37%
200	Oct 2019	Feb 2020	5	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	0.38%	0.56%	-0.00%
199	Sep 2019	Sep 2019	1	25.53% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.76% Vanguard Total Intl Stock Index Inv (VGTSX) 6.38% Vanguard Real Estate Index Investor (VGSIX) 19.15% Vanguard Total Bond Market Index Inv (VBMFX) 36.18% Cash (CASHX)	0.85%	1.26%	1.86%
198	Jul 2019	Aug 2019	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	0.35%	0.32%	-0.19%
197	Jun 2019	Jun 2019	1	37.28% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.64% Vanguard Total Intl Stock Index Inv (VGTSX) 9.32% Vanguard Real Estate Index Investor (VGSIX) 27.96% Vanguard Total Bond Market Index Inv (VBMFX) 6.79% Cash (CASHX)	4.18%	4.50%	7.03%
196	Mar 2019	May 2019	3	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	0.66%	0.51%	-0.69%
195	Feb 2019	Feb 2019	1	31.95% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.98% Vanguard Total Intl Stock Index Inv (VGTSX) 7.99% Vanguard Real Estate Index Investor (VGSIX) 23.96% Vanguard Total Bond Market Index Inv (VBMFX) 20.12% Cash (CASHX)	1.48%	1.83%	3.20%
194	Jan 2019	Jan 2019	1	19.05% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.52% Vanguard Total Intl Stock Index Inv (VGTSX) 4.76% Vanguard Real Estate Index Investor (VGSIX) 14.28% Vanguard Total Bond Market Index Inv (VBMFX) 52.39% Cash (CASHX)	3.17%	6.43%	8.00%
193	Dec 2018	Dec 2018	1	29.48% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.74% Vanguard Total Intl Stock Index Inv (VGTSX) 7.37% Vanguard Real Estate Index Investor (VGSIX) 22.11% Vanguard Total Bond Market Index Inv (VBMFX) 26.29% Cash (CASHX)	-3.59%	-5.07%	-9.04%
192	Nov 2018	Nov 2018	1	24.73% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.37% Vanguard Total Intl Stock Index Inv (VGTSX) 6.18% Vanguard Real Estate Index Investor (VGSIX) 18.55% Vanguard Total Bond Market Index Inv (VBMFX) 38.17% Cash (CASHX)	1.13%	1.72%	2.03%
191	Jun 2018	Oct 2018	5	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-2.06%	-2.07%	0.90%
190	May 2018	May 2018	1	34.71% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.36% Vanguard Total Intl Stock Index Inv (VGTSX) 8.68% Vanguard Real Estate Index Investor (VGSIX) 26.04% Vanguard Total Bond Market Index Inv (VBMFX) 13.21% Cash (CASHX)	1.13%	1.26%	2.39%
189	Apr 2018	Apr 2018	1	29.08% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.54% Vanguard Total Intl Stock Index Inv (VGTSX) 7.27% Vanguard Real Estate Index Investor (VGSIX) 21.81% Vanguard Total Bond Market Index Inv (VBMFX) 27.30% Cash (CASHX)	0.15%	0.15%	0.37%
188	Mar 2018	Mar 2018	1	19.43% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.71% Vanguard Total Intl Stock Index Inv (VGTSX) 4.86% Vanguard Real Estate Index Investor (VGSIX) 14.57% Vanguard Total Bond Market Index Inv (VBMFX) 51.44% Cash (CASHX)	-0.10%	-0.42%	-2.56%
187	Nov 2016	Feb 2018	16	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	16.10%	16.45%	30.97%
186	Oct 2016	Oct 2016	1	28.33% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.17% Vanguard Total Intl Stock Index Inv (VGTSX) 7.08% Vanguard Real Estate Index Investor (VGSIX) 21.25% Vanguard Total Bond Market Index Inv (VBMFX) 29.17% Cash (CASHX)	-1.44%	-2.06%	-1.83%
185	Aug 2016	Sep 2016	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-0.04%	-0.10%	0.14%
184	Jul 2016	Jul 2016	1	22.70% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.35% Vanguard Total Intl Stock Index Inv (VGTSX) 5.67% Vanguard Real Estate Index Investor (VGSIX) 17.02% Vanguard Total Bond Market Index Inv (VBMFX) 43.26% Cash (CASHX)	1.75%	3.06%	3.68%
183	May 2016	Jun 2016	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	1.93%	1.96%	2.04%
182	Apr 2016	Apr 2016	1	35.46% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.73% Vanguard Total Intl Stock Index Inv (VGTSX) 8.87% Vanguard Real Estate Index Investor (VGSIX) 26.60% Vanguard Total Bond Market Index Inv (VBMFX) 11.35% Cash (CASHX)	0.50%	0.55%	0.37%
181	Mar 2016	Mar 2016	1	25.59% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.79% Vanguard Total Intl Stock Index Inv (VGTSX) 6.40% Vanguard Real Estate Index Investor (VGSIX) 19.19% Vanguard Total Bond Market Index Inv (VBMFX) 36.03% Cash (CASHX)	3.70%	5.65%	6.78%
180	Feb 2016	Feb 2016	1	19.77% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.88% Vanguard Total Intl Stock Index Inv (VGTSX) 4.94% Vanguard Real Estate Index Investor (VGSIX) 14.83% Vanguard Total Bond Market Index Inv (VBMFX) 50.58% Cash (CASHX)	-0.14%	-0.29%	-0.15%
179	Jan 2016	Jan 2016	1	28.49% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.24% Vanguard Total Intl Stock Index Inv (VGTSX) 7.12% Vanguard Real Estate Index Investor (VGSIX) 21.37% Vanguard Total Bond Market Index Inv (VBMFX) 28.78% Cash (CASHX)	-2.34%	-3.29%	-4.98%
178	Dec 2015	Dec 2015	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-1.16%	-1.16%	-1.59%
177	Nov 2015	Nov 2015	1	38.90% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.45% Vanguard Total Intl Stock Index Inv (VGTSX) 9.73% Vanguard Real Estate Index Investor (VGSIX) 29.18% Vanguard Total Bond Market Index Inv (VBMFX) 2.74% Cash (CASHX)	-0.19%	-0.19%	0.29%
176	Oct 2015	Oct 2015	1	22.91% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.46% Vanguard Total Intl Stock Index Inv (VGTSX) 5.73% Vanguard Real Estate Index Investor (VGSIX) 17.18% Vanguard Total Bond Market Index Inv (VBMFX) 42.72% Cash (CASHX)	2.85%	4.87%	8.42%
175	Sep 2015	Sep 2015	1	19.86% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.93% Vanguard Total Intl Stock Index Inv (VGTSX) 4.96% Vanguard Real Estate Index Investor (VGSIX) 14.89% Vanguard Total Bond Market Index Inv (VBMFX) 50.36% Cash (CASHX)	-0.70%	-1.42%	-2.48%
174	May 2015	Aug 2015	4	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-5.10%	-5.19%	-4.75%
173	Apr 2015	Apr 2015	1	29.32% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.66% Vanguard Total Intl Stock Index Inv (VGTSX) 7.33% Vanguard Real Estate Index Investor (VGSIX) 21.99% Vanguard Total Bond Market Index Inv (VBMFX) 26.70% Cash (CASHX)	0.36%	0.49%	0.95%
172	Mar 2015	Mar 2015	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-0.43%	-0.44%	-1.59%
171	Feb 2015	Feb 2015	1	36.28% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.14% Vanguard Total Intl Stock Index Inv (VGTSX) 9.07% Vanguard Real Estate Index Investor (VGSIX) 27.21% Vanguard Total Bond Market Index Inv (VBMFX) 9.31% Cash (CASHX)	2.47%	2.63%	5.74%
170	Jan 2015	Jan 2015	1	36.08% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.04% Vanguard Total Intl Stock Index Inv (VGTSX) 9.02% Vanguard Real Estate Index Investor (VGSIX) 27.06% Vanguard Total Bond Market Index Inv (VBMFX) 9.80% Cash (CASHX)	0.26%	0.28%	-3.02%
169	Dec 2014	Dec 2014	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-0.51%	-0.41%	-0.26%
168	Nov 2014	Nov 2014	1	30.01% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.01% Vanguard Total Intl Stock Index Inv (VGTSX) 7.50% Vanguard Real Estate Index Investor (VGSIX) 22.51% Vanguard Total Bond Market Index Inv (VBMFX) 24.97% Cash (CASHX)	0.98%	1.36%	2.68%
167	Mar 2014	Oct 2014	8	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	5.43%	5.53%	9.81%
166	Feb 2014	Feb 2014	1	38.70% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.35% Vanguard Total Intl Stock Index Inv (VGTSX) 9.67% Vanguard Real Estate Index Investor (VGSIX) 29.02% Vanguard Total Bond Market Index Inv (VBMFX) 3.26% Cash (CASHX)	3.49%	3.57%	4.56%
165	Dec 2013	Jan 2014	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-0.20%	-0.03%	-1.04%
164	Nov 2013	Nov 2013	1	37.60% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.80% Vanguard Total Intl Stock Index Inv (VGTSX) 9.40% Vanguard Real Estate Index Investor (VGSIX) 28.20% Vanguard Total Bond Market Index Inv (VBMFX) 6.01% Cash (CASHX)	0.52%	0.72%	3.03%
163	Aug 2013	Oct 2013	3	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	4.19%	4.28%	4.71%
162	Jul 2013	Jul 2013	1	23.07% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.53% Vanguard Total Intl Stock Index Inv (VGTSX) 5.77% Vanguard Real Estate Index Investor (VGSIX) 17.30% Vanguard Total Bond Market Index Inv (VBMFX) 42.34% Cash (CASHX)	1.87%	3.37%	5.07%
161	Jun 2013	Jun 2013	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-1.95%	-1.92%	-1.35%
160	May 2013	May 2013	1	32.51% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.26% Vanguard Total Intl Stock Index Inv (VGTSX) 8.13% Vanguard Real Estate Index Investor (VGSIX) 24.38% Vanguard Total Bond Market Index Inv (VBMFX) 18.72% Cash (CASHX)	-0.63%	-0.72%	2.33%
159	Apr 2013	Apr 2013	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	2.34%	2.35%	1.91%
158	Mar 2013	Mar 2013	1	38.14% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.07% Vanguard Total Intl Stock Index Inv (VGTSX) 9.53% Vanguard Real Estate Index Investor (VGSIX) 28.60% Vanguard Total Bond Market Index Inv (VBMFX) 4.66% Cash (CASHX)	1.93%	2.07%	3.74%
157	Jan 2013	Feb 2013	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	3.59%	3.60%	6.58%
156	Dec 2012	Dec 2012	1	34.27% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.13% Vanguard Total Intl Stock Index Inv (VGTSX) 8.57% Vanguard Real Estate Index Investor (VGSIX) 25.70% Vanguard Total Bond Market Index Inv (VBMFX) 14.34% Cash (CASHX)	1.39%	1.66%	0.90%
155	Nov 2012	Nov 2012	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	0.68%	0.69%	0.56%
154	Oct 2012	Oct 2012	1	39.13% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.56% Vanguard Total Intl Stock Index Inv (VGTSX) 9.78% Vanguard Real Estate Index Investor (VGSIX) 29.35% Vanguard Total Bond Market Index Inv (VBMFX) 2.18% Cash (CASHX)	-0.63%	-0.68%	-1.86%
153	Sep 2012	Sep 2012	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	1.60%	1.61%	2.58%
152	Aug 2012	Aug 2012	1	33.51% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.76% Vanguard Total Intl Stock Index Inv (VGTSX) 8.38% Vanguard Real Estate Index Investor (VGSIX) 25.13% Vanguard Total Bond Market Index Inv (VBMFX) 16.22% Cash (CASHX)	1.29%	1.54%	2.24%
151	Jul 2012	Jul 2012	1	22.17% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.08% Vanguard Total Intl Stock Index Inv (VGTSX) 5.54% Vanguard Real Estate Index Investor (VGSIX) 16.62% Vanguard Total Bond Market Index Inv (VBMFX) 44.59% Cash (CASHX)	0.62%	1.12%	1.37%
150	Jun 2012	Jun 2012	1	33.72% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.86% Vanguard Total Intl Stock Index Inv (VGTSX) 8.43% Vanguard Real Estate Index Investor (VGSIX) 25.29% Vanguard Total Bond Market Index Inv (VBMFX) 15.69% Cash (CASHX)	2.82%	3.34%	4.11%
149	May 2012	May 2012	1	29.62% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.81% Vanguard Total Intl Stock Index Inv (VGTSX) 7.41% Vanguard Real Estate Index Investor (VGSIX) 22.22% Vanguard Total Bond Market Index Inv (VBMFX) 25.94% Cash (CASHX)	-3.62%	-5.05%	-6.02%
148	Apr 2012	Apr 2012	1	36.45% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.23% Vanguard Total Intl Stock Index Inv (VGTSX) 9.11% Vanguard Real Estate Index Investor (VGSIX) 27.34% Vanguard Total Bond Market Index Inv (VBMFX) 8.87% Cash (CASHX)	0.01%	-0.03%	-0.64%
147	Feb 2012	Mar 2012	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	4.06%	4.12%	7.73%
146	Jan 2012	Jan 2012	1	23.88% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.94% Vanguard Total Intl Stock Index Inv (VGTSX) 5.97% Vanguard Real Estate Index Investor (VGSIX) 17.91% Vanguard Total Bond Market Index Inv (VBMFX) 40.31% Cash (CASHX)	2.63%	4.40%	4.46%
145	Dec 2011	Dec 2011	1	13.96% Vanguard Total Stock Mkt Idx Inv (VTSMX) 6.98% Vanguard Total Intl Stock Index Inv (VGTSX) 3.49% Vanguard Real Estate Index Investor (VGSIX) 10.47% Vanguard Total Bond Market Index Inv (VBMFX) 65.09% Cash (CASHX)	0.20%	0.68%	1.02%
144	Nov 2011	Nov 2011	1	14.64% Vanguard Total Stock Mkt Idx Inv (VTSMX) 7.32% Vanguard Total Intl Stock Index Inv (VGTSX) 3.66% Vanguard Real Estate Index Investor (VGSIX) 10.98% Vanguard Total Bond Market Index Inv (VBMFX) 63.40% Cash (CASHX)	-0.42%	-1.12%	-0.23%
143	Oct 2011	Oct 2011	1	15.86% Vanguard Total Stock Mkt Idx Inv (VTSMX) 7.93% Vanguard Total Intl Stock Index Inv (VGTSX) 3.96% Vanguard Real Estate Index Investor (VGSIX) 11.89% Vanguard Total Bond Market Index Inv (VBMFX) 60.35% Cash (CASHX)	3.23%	7.70%	10.91%
142	Sep 2011	Sep 2011	1	9.57% Vanguard Total Stock Mkt Idx Inv (VTSMX) 4.78% Vanguard Total Intl Stock Index Inv (VGTSX) 2.39% Vanguard Real Estate Index Investor (VGSIX) 7.18% Vanguard Total Bond Market Index Inv (VBMFX) 76.08% Cash (CASHX)	-1.53%	-6.20%	-7.04%
141	Aug 2011	Aug 2011	1	28.09% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.04% Vanguard Total Intl Stock Index Inv (VGTSX) 7.02% Vanguard Real Estate Index Investor (VGSIX) 21.06% Vanguard Total Bond Market Index Inv (VBMFX) 29.79% Cash (CASHX)	-2.95%	-4.19%	-5.45%
140	Jul 2011	Jul 2011	1	28.61% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.30% Vanguard Total Intl Stock Index Inv (VGTSX) 7.15% Vanguard Real Estate Index Investor (VGSIX) 21.46% Vanguard Total Bond Market Index Inv (VBMFX) 28.48% Cash (CASHX)	-0.42%	-0.60%	-2.05%
139	Jun 2011	Jun 2011	1	36.91% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.45% Vanguard Total Intl Stock Index Inv (VGTSX) 9.23% Vanguard Real Estate Index Investor (VGSIX) 27.68% Vanguard Total Bond Market Index Inv (VBMFX) 7.74% Cash (CASHX)	-1.35%	-1.49%	-1.67%
138	May 2011	May 2011	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-0.51%	-0.54%	-1.15%
137	Apr 2011	Apr 2011	1	29.25% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.62% Vanguard Total Intl Stock Index Inv (VGTSX) 7.31% Vanguard Real Estate Index Investor (VGSIX) 21.93% Vanguard Total Bond Market Index Inv (VBMFX) 26.89% Cash (CASHX)	2.35%	3.23%	2.95%
136	Mar 2011	Mar 2011	1	36.95% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.47% Vanguard Total Intl Stock Index Inv (VGTSX) 9.24% Vanguard Real Estate Index Investor (VGSIX) 27.71% Vanguard Total Bond Market Index Inv (VBMFX) 7.63% Cash (CASHX)	-0.05%	-0.05%	0.03%
135	Jan 2011	Feb 2011	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	3.89%	3.91%	5.85%
134	Dec 2010	Dec 2010	1	26.33% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.17% Vanguard Total Intl Stock Index Inv (VGTSX) 6.58% Vanguard Real Estate Index Investor (VGSIX) 19.75% Vanguard Total Bond Market Index Inv (VBMFX) 34.17% Cash (CASHX)	2.97%	4.49%	6.67%
133	Nov 2010	Nov 2010	1	37.06% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.53% Vanguard Total Intl Stock Index Inv (VGTSX) 9.27% Vanguard Real Estate Index Investor (VGSIX) 27.80% Vanguard Total Bond Market Index Inv (VBMFX) 7.35% Cash (CASHX)	-0.97%	-1.05%	0.00%
132	Oct 2010	Oct 2010	1	27.44% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.72% Vanguard Total Intl Stock Index Inv (VGTSX) 6.86% Vanguard Real Estate Index Investor (VGSIX) 20.58% Vanguard Total Bond Market Index Inv (VBMFX) 31.40% Cash (CASHX)	1.98%	2.88%	3.79%
131	Sep 2010	Sep 2010	1	25.17% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.59% Vanguard Total Intl Stock Index Inv (VGTSX) 6.29% Vanguard Real Estate Index Investor (VGSIX) 18.88% Vanguard Total Bond Market Index Inv (VBMFX) 37.06% Cash (CASHX)	3.97%	6.03%	8.92%
130	Aug 2010	Aug 2010	1	22.29% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.15% Vanguard Total Intl Stock Index Inv (VGTSX) 5.57% Vanguard Real Estate Index Investor (VGSIX) 16.72% Vanguard Total Bond Market Index Inv (VBMFX) 44.27% Cash (CASHX)	-1.23%	-2.14%	-4.53%
129	Jul 2010	Jul 2010	1	17.49% Vanguard Total Stock Mkt Idx Inv (VTSMX) 8.74% Vanguard Total Intl Stock Index Inv (VGTSX) 4.37% Vanguard Real Estate Index Investor (VGSIX) 13.11% Vanguard Total Bond Market Index Inv (VBMFX) 56.28% Cash (CASHX)	2.68%	5.93%	7.00%
128	Jun 2010	Jun 2010	1	12.92% Vanguard Total Stock Mkt Idx Inv (VTSMX) 6.46% Vanguard Total Intl Stock Index Inv (VGTSX) 3.23% Vanguard Real Estate Index Investor (VGSIX) 9.69% Vanguard Total Bond Market Index Inv (VBMFX) 67.71% Cash (CASHX)	-0.81%	-2.55%	-5.24%
127	May 2010	May 2010	1	28.30% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.15% Vanguard Total Intl Stock Index Inv (VGTSX) 7.07% Vanguard Real Estate Index Investor (VGSIX) 21.22% Vanguard Total Bond Market Index Inv (VBMFX) 29.26% Cash (CASHX)	-3.98%	-5.65%	-8.01%
126	Apr 2010	Apr 2010	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	1.56%	1.61%	1.58%
125	Mar 2010	Mar 2010	1	24.25% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.12% Vanguard Total Intl Stock Index Inv (VGTSX) 6.06% Vanguard Real Estate Index Investor (VGSIX) 18.19% Vanguard Total Bond Market Index Inv (VBMFX) 39.38% Cash (CASHX)	2.94%	4.79%	6.01%
124	Feb 2010	Feb 2010	1	27.83% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.92% Vanguard Total Intl Stock Index Inv (VGTSX) 6.96% Vanguard Real Estate Index Investor (VGSIX) 20.87% Vanguard Total Bond Market Index Inv (VBMFX) 30.42% Cash (CASHX)	1.39%	1.97%	3.09%
123	Jan 2010	Jan 2010	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-2.47%	-2.47%	-3.60%
122	Dec 2009	Dec 2009	1	23.69% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.85% Vanguard Total Intl Stock Index Inv (VGTSX) 5.92% Vanguard Real Estate Index Investor (VGSIX) 17.77% Vanguard Total Bond Market Index Inv (VBMFX) 40.77% Cash (CASHX)	0.98%	1.77%	1.95%
121	Nov 2009	Nov 2009	1	19.22% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.61% Vanguard Total Intl Stock Index Inv (VGTSX) 4.81% Vanguard Real Estate Index Investor (VGSIX) 14.42% Vanguard Total Bond Market Index Inv (VBMFX) 51.94% Cash (CASHX)	1.98%	4.18%	5.98%
120	Oct 2009	Oct 2009	1	23.95% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.98% Vanguard Total Intl Stock Index Inv (VGTSX) 5.99% Vanguard Real Estate Index Investor (VGSIX) 17.97% Vanguard Total Bond Market Index Inv (VBMFX) 40.12% Cash (CASHX)	-1.07%	-1.89%	-1.87%
119	Sep 2009	Sep 2009	1	24.47% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.23% Vanguard Total Intl Stock Index Inv (VGTSX) 6.12% Vanguard Real Estate Index Investor (VGSIX) 18.35% Vanguard Total Bond Market Index Inv (VBMFX) 38.83% Cash (CASHX)	2.30%	3.84%	3.72%
118	Aug 2009	Aug 2009	1	20.04% Vanguard Total Stock Mkt Idx Inv (VTSMX) 10.02% Vanguard Total Intl Stock Index Inv (VGTSX) 5.01% Vanguard Real Estate Index Investor (VGSIX) 15.03% Vanguard Total Bond Market Index Inv (VBMFX) 49.90% Cash (CASHX)	1.94%	3.78%	3.60%
117	Jul 2009	Jul 2009	1	20.60% Vanguard Total Stock Mkt Idx Inv (VTSMX) 10.30% Vanguard Total Intl Stock Index Inv (VGTSX) 5.15% Vanguard Real Estate Index Investor (VGSIX) 15.45% Vanguard Total Bond Market Index Inv (VBMFX) 48.50% Cash (CASHX)	3.41%	6.63%	7.58%
116	Jun 2009	Jun 2009	1	12.69% Vanguard Total Stock Mkt Idx Inv (VTSMX) 6.35% Vanguard Total Intl Stock Index Inv (VGTSX) 3.17% Vanguard Real Estate Index Investor (VGSIX) 9.52% Vanguard Total Bond Market Index Inv (VBMFX) 68.26% Cash (CASHX)	-0.08%	-0.28%	0.22%
115	May 2009	May 2009	1	11.53% Vanguard Total Stock Mkt Idx Inv (VTSMX) 5.76% Vanguard Total Intl Stock Index Inv (VGTSX) 2.88% Vanguard Real Estate Index Investor (VGSIX) 8.65% Vanguard Total Bond Market Index Inv (VBMFX) 71.18% Cash (CASHX)	1.60%	5.50%	5.62%
114	Apr 2009	Apr 2009	1	7.94% Vanguard Total Stock Mkt Idx Inv (VTSMX) 3.97% Vanguard Total Intl Stock Index Inv (VGTSX) 1.98% Vanguard Real Estate Index Investor (VGSIX) 5.95% Vanguard Total Bond Market Index Inv (VBMFX) 80.15% Cash (CASHX)	2.01%	9.16%	9.56%
113	Mar 2009	Mar 2009	1	11.90% Vanguard Total Stock Mkt Idx Inv (VTSMX) 5.95% Vanguard Total Intl Stock Index Inv (VGTSX) 2.97% Vanguard Real Estate Index Investor (VGSIX) 8.92% Vanguard Total Bond Market Index Inv (VBMFX) 70.26% Cash (CASHX)	1.84%	5.90%	8.76%
112	Feb 2009	Feb 2009	1	10.09% Vanguard Total Stock Mkt Idx Inv (VTSMX) 5.04% Vanguard Total Intl Stock Index Inv (VGTSX) 2.52% Vanguard Real Estate Index Investor (VGSIX) 7.57% Vanguard Total Bond Market Index Inv (VBMFX) 74.78% Cash (CASHX)	-2.08%	-7.97%	-10.66%
111	Jan 2009	Jan 2009	1	7.69% Vanguard Total Stock Mkt Idx Inv (VTSMX) 3.85% Vanguard Total Intl Stock Index Inv (VGTSX) 1.92% Vanguard Real Estate Index Investor (VGSIX) 5.77% Vanguard Total Bond Market Index Inv (VBMFX) 80.77% Cash (CASHX)	-1.46%	-7.64%	-8.41%
110	Dec 2008	Dec 2008	1	5.81% Vanguard Total Stock Mkt Idx Inv (VTSMX) 2.91% Vanguard Total Intl Stock Index Inv (VGTSX) 1.45% Vanguard Real Estate Index Investor (VGSIX) 4.36% Vanguard Total Bond Market Index Inv (VBMFX) 85.46% Cash (CASHX)	0.74%	4.58%	1.07%
109	Nov 2008	Nov 2008	1	5.41% Vanguard Total Stock Mkt Idx Inv (VTSMX) 2.71% Vanguard Total Intl Stock Index Inv (VGTSX) 1.35% Vanguard Real Estate Index Investor (VGSIX) 4.06% Vanguard Total Bond Market Index Inv (VBMFX) 86.47% Cash (CASHX)	-0.73%	-4.55%	-7.17%
108	Oct 2008	Oct 2008	1	8.59% Vanguard Total Stock Mkt Idx Inv (VTSMX) 4.30% Vanguard Total Intl Stock Index Inv (VGTSX) 2.15% Vanguard Real Estate Index Investor (VGSIX) 6.44% Vanguard Total Bond Market Index Inv (VBMFX) 78.52% Cash (CASHX)	-3.24%	-14.71%	-16.79%
107	Sep 2008	Sep 2008	1	22.58% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.29% Vanguard Total Intl Stock Index Inv (VGTSX) 5.64% Vanguard Real Estate Index Investor (VGSIX) 16.93% Vanguard Total Bond Market Index Inv (VBMFX) 43.56% Cash (CASHX)	-3.70%	-6.25%	-8.91%
106	Aug 2008	Aug 2008	1	19.40% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.70% Vanguard Total Intl Stock Index Inv (VGTSX) 4.85% Vanguard Real Estate Index Investor (VGSIX) 14.55% Vanguard Total Bond Market Index Inv (VBMFX) 51.51% Cash (CASHX)	0.09%	0.13%	1.45%
105	Jul 2008	Jul 2008	1	24.57% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.28% Vanguard Total Intl Stock Index Inv (VGTSX) 6.14% Vanguard Real Estate Index Investor (VGSIX) 18.43% Vanguard Total Bond Market Index Inv (VBMFX) 38.58% Cash (CASHX)	-0.39%	-0.67%	-0.83%
104	Jun 2008	Jun 2008	1	33.65% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.82% Vanguard Total Intl Stock Index Inv (VGTSX) 8.41% Vanguard Real Estate Index Investor (VGSIX) 25.24% Vanguard Total Bond Market Index Inv (VBMFX) 15.88% Cash (CASHX)	-5.15%	-6.14%	-8.44%
103	May 2008	May 2008	1	26.74% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.37% Vanguard Total Intl Stock Index Inv (VGTSX) 6.69% Vanguard Real Estate Index Investor (VGSIX) 20.06% Vanguard Total Bond Market Index Inv (VBMFX) 33.15% Cash (CASHX)	0.65%	0.87%	1.29%
102	Apr 2008	Apr 2008	1	16.36% Vanguard Total Stock Mkt Idx Inv (VTSMX) 8.18% Vanguard Total Intl Stock Index Inv (VGTSX) 4.09% Vanguard Real Estate Index Investor (VGSIX) 12.27% Vanguard Total Bond Market Index Inv (VBMFX) 59.10% Cash (CASHX)	1.57%	3.56%	4.85%
101	Mar 2008	Mar 2008	1	22.63% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.32% Vanguard Total Intl Stock Index Inv (VGTSX) 5.66% Vanguard Real Estate Index Investor (VGSIX) 16.97% Vanguard Total Bond Market Index Inv (VBMFX) 43.42% Cash (CASHX)	0.27%	0.39%	-0.44%
100	Feb 2008	Feb 2008	1	20.10% Vanguard Total Stock Mkt Idx Inv (VTSMX) 10.05% Vanguard Total Intl Stock Index Inv (VGTSX) 5.02% Vanguard Real Estate Index Investor (VGSIX) 15.07% Vanguard Total Bond Market Index Inv (VBMFX) 49.76% Cash (CASHX)	-0.66%	-1.46%	-3.25%
99	Jan 2008	Jan 2008	1	23.29% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.65% Vanguard Total Intl Stock Index Inv (VGTSX) 5.82% Vanguard Real Estate Index Investor (VGSIX) 17.47% Vanguard Total Bond Market Index Inv (VBMFX) 41.77% Cash (CASHX)	-2.02%	-3.67%	-6.02%
98	Dec 2007	Dec 2007	1	17.34% Vanguard Total Stock Mkt Idx Inv (VTSMX) 8.67% Vanguard Total Intl Stock Index Inv (VGTSX) 4.34% Vanguard Real Estate Index Investor (VGSIX) 13.01% Vanguard Total Bond Market Index Inv (VBMFX) 56.64% Cash (CASHX)	-0.35%	-1.10%	-0.70%
97	Nov 2007	Nov 2007	1	30.93% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.47% Vanguard Total Intl Stock Index Inv (VGTSX) 7.73% Vanguard Real Estate Index Investor (VGSIX) 23.20% Vanguard Total Bond Market Index Inv (VBMFX) 22.67% Cash (CASHX)	-2.30%	-3.11%	-4.19%
96	Oct 2007	Oct 2007	1	27.84% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.92% Vanguard Total Intl Stock Index Inv (VGTSX) 6.96% Vanguard Real Estate Index Investor (VGSIX) 20.88% Vanguard Total Bond Market Index Inv (VBMFX) 30.41% Cash (CASHX)	1.71%	2.41%	1.58%
95	Sep 2007	Sep 2007	1	19.12% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.56% Vanguard Total Intl Stock Index Inv (VGTSX) 4.78% Vanguard Real Estate Index Investor (VGSIX) 14.34% Vanguard Total Bond Market Index Inv (VBMFX) 52.21% Cash (CASHX)	1.77%	3.39%	3.72%
94	Aug 2007	Aug 2007	1	27.03% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.51% Vanguard Total Intl Stock Index Inv (VGTSX) 6.76% Vanguard Real Estate Index Investor (VGSIX) 20.27% Vanguard Total Bond Market Index Inv (VBMFX) 32.43% Cash (CASHX)	1.14%	1.38%	1.50%
93	Jul 2007	Jul 2007	1	30.06% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.03% Vanguard Total Intl Stock Index Inv (VGTSX) 7.52% Vanguard Real Estate Index Investor (VGSIX) 22.55% Vanguard Total Bond Market Index Inv (VBMFX) 24.85% Cash (CASHX)	-1.48%	-2.08%	-3.08%
92	May 2007	Jun 2007	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	0.23%	0.29%	1.74%
91	Apr 2007	Apr 2007	1	28.19% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.10% Vanguard Total Intl Stock Index Inv (VGTSX) 7.05% Vanguard Real Estate Index Investor (VGSIX) 21.14% Vanguard Total Bond Market Index Inv (VBMFX) 29.52% Cash (CASHX)	1.91%	2.54%	4.42%
90	Mar 2007	Mar 2007	1	30.59% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.29% Vanguard Total Intl Stock Index Inv (VGTSX) 7.65% Vanguard Real Estate Index Investor (VGSIX) 22.94% Vanguard Total Bond Market Index Inv (VBMFX) 23.53% Cash (CASHX)	0.69%	0.76%	1.11%
89	Sep 2006	Feb 2007	6	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	9.26%	9.43%	8.85%
88	Aug 2006	Aug 2006	1	28.95% Vanguard Total Stock Mkt Idx Inv (VTSMX) 14.47% Vanguard Total Intl Stock Index Inv (VGTSX) 7.24% Vanguard Real Estate Index Investor (VGSIX) 21.71% Vanguard Total Bond Market Index Inv (VBMFX) 27.63% Cash (CASHX)	1.78%	2.32%	2.36%
87	Jul 2006	Jul 2006	1	25.31% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.66% Vanguard Total Intl Stock Index Inv (VGTSX) 6.33% Vanguard Real Estate Index Investor (VGSIX) 18.98% Vanguard Total Bond Market Index Inv (VBMFX) 36.72% Cash (CASHX)	0.74%	0.95%	0.61%
86	Jun 2006	Jun 2006	1	31.65% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.83% Vanguard Total Intl Stock Index Inv (VGTSX) 7.91% Vanguard Real Estate Index Investor (VGSIX) 23.74% Vanguard Total Bond Market Index Inv (VBMFX) 20.87% Cash (CASHX)	0.52%	0.57%	0.13%
85	Mar 2006	May 2006	3	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	0.04%	0.02%	-0.39%
84	Feb 2006	Feb 2006	1	37.15% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.57% Vanguard Total Intl Stock Index Inv (VGTSX) 9.29% Vanguard Real Estate Index Investor (VGSIX) 27.86% Vanguard Total Bond Market Index Inv (VBMFX) 7.13% Cash (CASHX)	0.17%	0.15%	0.26%
83	Dec 2005	Jan 2006	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	4.91%	4.94%	2.67%
82	Nov 2005	Nov 2005	1	30.59% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.29% Vanguard Total Intl Stock Index Inv (VGTSX) 7.65% Vanguard Real Estate Index Investor (VGSIX) 22.94% Vanguard Total Bond Market Index Inv (VBMFX) 23.53% Cash (CASHX)	2.13%	2.70%	3.76%
81	Jun 2005	Oct 2005	5	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	3.35%	3.29%	1.97%
80	May 2005	May 2005	1	35.30% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.65% Vanguard Total Intl Stock Index Inv (VGTSX) 8.83% Vanguard Real Estate Index Investor (VGSIX) 26.48% Vanguard Total Bond Market Index Inv (VBMFX) 11.74% Cash (CASHX)	1.94%	2.14%	3.17%
79	Aug 2004	Apr 2005	9	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	9.77%	9.86%	6.32%
78	Jul 2004	Jul 2004	1	38.28% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.14% Vanguard Total Intl Stock Index Inv (VGTSX) 9.57% Vanguard Real Estate Index Investor (VGSIX) 28.71% Vanguard Total Bond Market Index Inv (VBMFX) 4.31% Cash (CASHX)	-1.76%	-1.88%	-3.31%
77	Jun 2004	Jun 2004	1	30.16% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.08% Vanguard Total Intl Stock Index Inv (VGTSX) 7.54% Vanguard Real Estate Index Investor (VGSIX) 22.62% Vanguard Total Bond Market Index Inv (VBMFX) 24.60% Cash (CASHX)	1.35%	1.77%	1.93%
76	May 2004	May 2004	1	37.89% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.94% Vanguard Total Intl Stock Index Inv (VGTSX) 9.47% Vanguard Real Estate Index Investor (VGSIX) 28.41% Vanguard Total Bond Market Index Inv (VBMFX) 5.29% Cash (CASHX)	1.15%	1.18%	1.36%
75	Apr 2004	Apr 2004	1	30.26% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.13% Vanguard Total Intl Stock Index Inv (VGTSX) 7.57% Vanguard Real Estate Index Investor (VGSIX) 22.70% Vanguard Total Bond Market Index Inv (VBMFX) 24.34% Cash (CASHX)	-2.79%	-3.80%	-1.58%
74	Nov 2003	Mar 2004	5	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	9.62%	9.92%	7.89%
73	Oct 2003	Oct 2003	1	39.47% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.73% Vanguard Total Intl Stock Index Inv (VGTSX) 9.87% Vanguard Real Estate Index Investor (VGSIX) 29.60% Vanguard Total Bond Market Index Inv (VBMFX) 1.33% Cash (CASHX)	3.57%	3.78%	5.64%
72	Sep 2003	Sep 2003	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	1.25%	1.18%	-1.07%
71	Aug 2003	Aug 2003	1	34.61% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.31% Vanguard Total Intl Stock Index Inv (VGTSX) 8.65% Vanguard Real Estate Index Investor (VGSIX) 25.96% Vanguard Total Bond Market Index Inv (VBMFX) 13.46% Cash (CASHX)	1.49%	1.74%	1.93%
70	Jul 2003	Jul 2003	1	37.11% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.55% Vanguard Total Intl Stock Index Inv (VGTSX) 9.28% Vanguard Real Estate Index Investor (VGSIX) 27.83% Vanguard Total Bond Market Index Inv (VBMFX) 7.24% Cash (CASHX)	1.02%	1.19%	1.74%
69	Jun 2003	Jun 2003	1	37.55% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.77% Vanguard Total Intl Stock Index Inv (VGTSX) 9.39% Vanguard Real Estate Index Investor (VGSIX) 28.16% Vanguard Total Bond Market Index Inv (VBMFX) 6.13% Cash (CASHX)	1.22%	1.31%	1.26%
68	May 2003	May 2003	1	32.45% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.23% Vanguard Total Intl Stock Index Inv (VGTSX) 8.11% Vanguard Real Estate Index Investor (VGSIX) 24.34% Vanguard Total Bond Market Index Inv (VBMFX) 18.87% Cash (CASHX)	3.89%	4.79%	5.26%
67	Apr 2003	Apr 2003	1	21.62% Vanguard Total Stock Mkt Idx Inv (VTSMX) 10.81% Vanguard Total Intl Stock Index Inv (VGTSX) 5.40% Vanguard Real Estate Index Investor (VGSIX) 16.21% Vanguard Total Bond Market Index Inv (VBMFX) 45.96% Cash (CASHX)	3.23%	5.78%	8.25%
66	Mar 2003	Mar 2003	1	33.31% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.66% Vanguard Total Intl Stock Index Inv (VGTSX) 8.33% Vanguard Real Estate Index Investor (VGSIX) 24.98% Vanguard Total Bond Market Index Inv (VBMFX) 16.72% Cash (CASHX)	0.19%	0.22%	0.96%
65	Feb 2003	Feb 2003	1	25.68% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.84% Vanguard Total Intl Stock Index Inv (VGTSX) 6.42% Vanguard Real Estate Index Investor (VGSIX) 19.26% Vanguard Total Bond Market Index Inv (VBMFX) 35.79% Cash (CASHX)	-0.33%	-0.55%	-1.52%
64	Jan 2003	Jan 2003	1	33.32% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.66% Vanguard Total Intl Stock Index Inv (VGTSX) 8.33% Vanguard Real Estate Index Investor (VGSIX) 24.99% Vanguard Total Bond Market Index Inv (VBMFX) 16.69% Cash (CASHX)	-1.67%	-2.02%	-2.62%
63	Dec 2002	Dec 2002	1	27.20% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.60% Vanguard Total Intl Stock Index Inv (VGTSX) 6.80% Vanguard Real Estate Index Investor (VGSIX) 20.40% Vanguard Total Bond Market Index Inv (VBMFX) 32.00% Cash (CASHX)	-1.47%	-1.85%	-5.89%
62	Nov 2002	Nov 2002	1	16.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 8.00% Vanguard Total Intl Stock Index Inv (VGTSX) 4.00% Vanguard Real Estate Index Investor (VGSIX) 12.00% Vanguard Total Bond Market Index Inv (VBMFX) 60.01% Cash (CASHX)	1.60%	3.50%	5.88%
61	Oct 2002	Oct 2002	1	20.45% Vanguard Total Stock Mkt Idx Inv (VTSMX) 10.23% Vanguard Total Intl Stock Index Inv (VGTSX) 5.11% Vanguard Real Estate Index Investor (VGSIX) 15.34% Vanguard Total Bond Market Index Inv (VBMFX) 48.87% Cash (CASHX)	1.86%	2.78%	8.78%
60	Sep 2002	Sep 2002	1	18.79% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.40% Vanguard Total Intl Stock Index Inv (VGTSX) 4.70% Vanguard Real Estate Index Investor (VGSIX) 14.09% Vanguard Total Bond Market Index Inv (VBMFX) 53.02% Cash (CASHX)	-2.79%	-5.52%	-10.87%
59	Aug 2002	Aug 2002	1	13.35% Vanguard Total Stock Mkt Idx Inv (VTSMX) 6.67% Vanguard Total Intl Stock Index Inv (VGTSX) 3.34% Vanguard Real Estate Index Investor (VGSIX) 10.01% Vanguard Total Bond Market Index Inv (VBMFX) 66.64% Cash (CASHX)	0.33%	0.74%	0.65%
58	Jul 2002	Jul 2002	1	34.16% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.08% Vanguard Total Intl Stock Index Inv (VGTSX) 8.54% Vanguard Real Estate Index Investor (VGSIX) 25.62% Vanguard Total Bond Market Index Inv (VBMFX) 14.60% Cash (CASHX)	-4.72%	-5.36%	-7.72%
57	Jun 2002	Jun 2002	1	33.67% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.83% Vanguard Total Intl Stock Index Inv (VGTSX) 8.42% Vanguard Real Estate Index Investor (VGSIX) 25.25% Vanguard Total Bond Market Index Inv (VBMFX) 15.83% Cash (CASHX)	-2.77%	-3.15%	-7.13%
56	May 2002	May 2002	1	39.01% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.51% Vanguard Total Intl Stock Index Inv (VGTSX) 9.75% Vanguard Real Estate Index Investor (VGSIX) 29.26% Vanguard Total Bond Market Index Inv (VBMFX) 2.47% Cash (CASHX)	0.12%	0.15%	-0.75%
55	Apr 2002	Apr 2002	1	34.15% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.07% Vanguard Total Intl Stock Index Inv (VGTSX) 8.54% Vanguard Real Estate Index Investor (VGSIX) 25.61% Vanguard Total Bond Market Index Inv (VBMFX) 14.63% Cash (CASHX)	-1.09%	-1.30%	-6.07%
54	Mar 2002	Mar 2002	1	32.70% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.35% Vanguard Total Intl Stock Index Inv (VGTSX) 8.18% Vanguard Real Estate Index Investor (VGSIX) 24.53% Vanguard Total Bond Market Index Inv (VBMFX) 18.24% Cash (CASHX)	2.54%	3.03%	3.74%
53	Feb 2002	Feb 2002	1	38.23% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.11% Vanguard Total Intl Stock Index Inv (VGTSX) 9.56% Vanguard Real Estate Index Investor (VGSIX) 28.67% Vanguard Total Bond Market Index Inv (VBMFX) 4.43% Cash (CASHX)	-0.17%	-0.18%	-1.94%
52	Jan 2002	Jan 2002	1	32.45% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.22% Vanguard Total Intl Stock Index Inv (VGTSX) 8.11% Vanguard Real Estate Index Investor (VGSIX) 24.34% Vanguard Total Bond Market Index Inv (VBMFX) 18.88% Cash (CASHX)	-0.98%	-1.24%	-1.47%
51	Dec 2001	Dec 2001	1	34.21% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.10% Vanguard Total Intl Stock Index Inv (VGTSX) 8.55% Vanguard Real Estate Index Investor (VGSIX) 25.66% Vanguard Total Bond Market Index Inv (VBMFX) 14.48% Cash (CASHX)	0.93%	0.97%	0.87%
50	Nov 2001	Nov 2001	1	32.38% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.19% Vanguard Total Intl Stock Index Inv (VGTSX) 8.10% Vanguard Real Estate Index Investor (VGSIX) 24.29% Vanguard Total Bond Market Index Inv (VBMFX) 19.04% Cash (CASHX)	3.22%	3.48%	7.65%
49	Oct 2001	Oct 2001	1	15.81% Vanguard Total Stock Mkt Idx Inv (VTSMX) 7.90% Vanguard Total Intl Stock Index Inv (VGTSX) 3.95% Vanguard Real Estate Index Investor (VGSIX) 11.86% Vanguard Total Bond Market Index Inv (VBMFX) 60.48% Cash (CASHX)	0.84%	1.65%	1.90%
48	Sep 2001	Sep 2001	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-5.86%	-5.33%	-8.09%
47	Aug 2001	Aug 2001	1	32.96% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.48% Vanguard Total Intl Stock Index Inv (VGTSX) 8.24% Vanguard Real Estate Index Investor (VGSIX) 24.72% Vanguard Total Bond Market Index Inv (VBMFX) 17.60% Cash (CASHX)	-1.74%	-1.94%	-6.27%
46	Jul 2001	Jul 2001	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-0.71%	-0.62%	-1.00%
45	Jun 2001	Jun 2001	1	32.82% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.41% Vanguard Total Intl Stock Index Inv (VGTSX) 8.21% Vanguard Real Estate Index Investor (VGSIX) 24.62% Vanguard Total Bond Market Index Inv (VBMFX) 17.94% Cash (CASHX)	-0.50%	-0.55%	-2.45%
44	May 2001	May 2001	1	18.25% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.13% Vanguard Total Intl Stock Index Inv (VGTSX) 4.56% Vanguard Real Estate Index Investor (VGSIX) 13.69% Vanguard Total Bond Market Index Inv (VBMFX) 54.37% Cash (CASHX)	0.24%	0.17%	0.65%
43	Apr 2001	Apr 2001	1	19.68% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.84% Vanguard Total Intl Stock Index Inv (VGTSX) 4.92% Vanguard Real Estate Index Investor (VGSIX) 14.76% Vanguard Total Bond Market Index Inv (VBMFX) 50.80% Cash (CASHX)	2.61%	4.63%	7.77%
42	Mar 2001	Mar 2001	1	35.94% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.97% Vanguard Total Intl Stock Index Inv (VGTSX) 8.98% Vanguard Real Estate Index Investor (VGSIX) 26.95% Vanguard Total Bond Market Index Inv (VBMFX) 10.16% Cash (CASHX)	-3.44%	-3.73%	-6.36%
41	Feb 2001	Feb 2001	1	24.75% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.37% Vanguard Total Intl Stock Index Inv (VGTSX) 6.19% Vanguard Real Estate Index Investor (VGSIX) 18.56% Vanguard Total Bond Market Index Inv (VBMFX) 38.13% Cash (CASHX)	-3.05%	-5.22%	-9.14%
40	Jan 2001	Jan 2001	1	21.61% Vanguard Total Stock Mkt Idx Inv (VTSMX) 10.81% Vanguard Total Intl Stock Index Inv (VGTSX) 5.40% Vanguard Real Estate Index Investor (VGSIX) 16.21% Vanguard Total Bond Market Index Inv (VBMFX) 45.96% Cash (CASHX)	1.48%	2.32%	3.55%
39	Dec 2000	Dec 2000	1	27.40% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.70% Vanguard Total Intl Stock Index Inv (VGTSX) 6.85% Vanguard Real Estate Index Investor (VGSIX) 20.55% Vanguard Total Bond Market Index Inv (VBMFX) 31.50% Cash (CASHX)	2.00%	2.74%	0.51%
38	Nov 2000	Nov 2000	1	22.39% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.19% Vanguard Total Intl Stock Index Inv (VGTSX) 5.60% Vanguard Real Estate Index Investor (VGSIX) 16.79% Vanguard Total Bond Market Index Inv (VBMFX) 44.03% Cash (CASHX)	-2.12%	-3.91%	-7.89%
37	Oct 2000	Oct 2000	1	37.81% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.90% Vanguard Total Intl Stock Index Inv (VGTSX) 9.45% Vanguard Real Estate Index Investor (VGSIX) 28.35% Vanguard Total Bond Market Index Inv (VBMFX) 5.49% Cash (CASHX)	-1.59%	-1.70%	-0.43%
36	Sep 2000	Sep 2000	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-2.35%	-2.20%	-5.29%
35	Aug 2000	Aug 2000	1	32.10% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.05% Vanguard Total Intl Stock Index Inv (VGTSX) 8.03% Vanguard Real Estate Index Investor (VGSIX) 24.08% Vanguard Total Bond Market Index Inv (VBMFX) 19.75% Cash (CASHX)	2.61%	2.94%	6.19%
34	Jul 2000	Jul 2000	1	30.66% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.33% Vanguard Total Intl Stock Index Inv (VGTSX) 7.67% Vanguard Real Estate Index Investor (VGSIX) 23.00% Vanguard Total Bond Market Index Inv (VBMFX) 23.34% Cash (CASHX)	-0.30%	-0.36%	-1.50%
33	Jun 2000	Jun 2000	1	23.12% Vanguard Total Stock Mkt Idx Inv (VTSMX) 11.56% Vanguard Total Intl Stock Index Inv (VGTSX) 5.78% Vanguard Real Estate Index Investor (VGSIX) 17.34% Vanguard Total Bond Market Index Inv (VBMFX) 42.20% Cash (CASHX)	2.23%	3.47%	2.49%
32	May 2000	May 2000	1	19.06% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.53% Vanguard Total Intl Stock Index Inv (VGTSX) 4.77% Vanguard Real Estate Index Investor (VGSIX) 14.30% Vanguard Total Bond Market Index Inv (VBMFX) 52.35% Cash (CASHX)	-0.63%	-1.79%	-2.04%
31	Apr 2000	Apr 2000	1	24.40% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.20% Vanguard Total Intl Stock Index Inv (VGTSX) 6.10% Vanguard Real Estate Index Investor (VGSIX) 18.30% Vanguard Total Bond Market Index Inv (VBMFX) 39.00% Cash (CASHX)	-1.42%	-2.64%	-3.00%
30	Mar 2000	Mar 2000	1	33.02% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.51% Vanguard Total Intl Stock Index Inv (VGTSX) 8.25% Vanguard Real Estate Index Investor (VGSIX) 24.76% Vanguard Total Bond Market Index Inv (VBMFX) 17.46% Cash (CASHX)	3.17%	3.72%	9.75%
29	Feb 2000	Feb 2000	1	24.12% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.06% Vanguard Total Intl Stock Index Inv (VGTSX) 6.03% Vanguard Real Estate Index Investor (VGSIX) 18.09% Vanguard Total Bond Market Index Inv (VBMFX) 39.70% Cash (CASHX)	1.26%	1.76%	-1.91%
28	Dec 1999	Jan 2000	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	2.02%	2.31%	0.64%
27	Nov 1999	Nov 1999	1	25.83% Vanguard Total Stock Mkt Idx Inv (VTSMX) 12.92% Vanguard Total Intl Stock Index Inv (VGTSX) 6.46% Vanguard Real Estate Index Investor (VGSIX) 19.37% Vanguard Total Bond Market Index Inv (VBMFX) 35.42% Cash (CASHX)	1.47%	2.17%	2.02%
26	Oct 1999	Oct 1999	1	35.23% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.62% Vanguard Total Intl Stock Index Inv (VGTSX) 8.81% Vanguard Real Estate Index Investor (VGSIX) 26.42% Vanguard Total Bond Market Index Inv (VBMFX) 11.92% Cash (CASHX)	2.81%	3.23%	6.33%
25	Sep 1999	Sep 1999	1	34.20% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.10% Vanguard Total Intl Stock Index Inv (VGTSX) 8.55% Vanguard Real Estate Index Investor (VGSIX) 25.65% Vanguard Total Bond Market Index Inv (VBMFX) 14.49% Cash (CASHX)	-0.66%	-0.88%	-2.74%
24	Aug 1999	Aug 1999	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-0.43%	-0.43%	-0.50%
23	Jul 1999	Jul 1999	1	38.78% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.39% Vanguard Total Intl Stock Index Inv (VGTSX) 9.70% Vanguard Real Estate Index Investor (VGSIX) 29.09% Vanguard Total Bond Market Index Inv (VBMFX) 3.04% Cash (CASHX)	-1.18%	-1.29%	-3.13%
22	Jun 1999	Jun 1999	1	34.79% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.39% Vanguard Total Intl Stock Index Inv (VGTSX) 8.70% Vanguard Real Estate Index Investor (VGSIX) 26.09% Vanguard Total Bond Market Index Inv (VBMFX) 13.03% Cash (CASHX)	2.32%	2.65%	5.56%
21	May 1999	May 1999	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	-1.85%	-1.89%	-2.39%
20	Apr 1999	Apr 1999	1	34.75% Vanguard Total Stock Mkt Idx Inv (VTSMX) 17.38% Vanguard Total Intl Stock Index Inv (VGTSX) 8.69% Vanguard Real Estate Index Investor (VGSIX) 26.06% Vanguard Total Bond Market Index Inv (VBMFX) 13.12% Cash (CASHX)	3.49%	3.96%	3.85%
19	Mar 1999	Mar 1999	1	32.51% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.25% Vanguard Total Intl Stock Index Inv (VGTSX) 8.13% Vanguard Real Estate Index Investor (VGSIX) 24.38% Vanguard Total Bond Market Index Inv (VBMFX) 18.73% Cash (CASHX)	2.26%	2.70%	4.00%
18	Feb 1999	Feb 1999	1	31.23% Vanguard Total Stock Mkt Idx Inv (VTSMX) 15.62% Vanguard Total Intl Stock Index Inv (VGTSX) 7.81% Vanguard Real Estate Index Investor (VGSIX) 23.42% Vanguard Total Bond Market Index Inv (VBMFX) 21.92% Cash (CASHX)	-1.96%	-2.63%	-3.12%
17	Jan 1999	Jan 1999	1	39.30% Vanguard Total Stock Mkt Idx Inv (VTSMX) 19.65% Vanguard Total Intl Stock Index Inv (VGTSX) 9.83% Vanguard Real Estate Index Investor (VGSIX) 29.48% Vanguard Total Bond Market Index Inv (VBMFX) 1.74% Cash (CASHX)	1.31%	1.33%	4.20%
16	Dec 1998	Dec 1998	1	36.84% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.42% Vanguard Total Intl Stock Index Inv (VGTSX) 9.21% Vanguard Real Estate Index Investor (VGSIX) 27.63% Vanguard Total Bond Market Index Inv (VBMFX) 7.91% Cash (CASHX)	2.95%	3.36%	5.81%
15	Nov 1998	Nov 1998	1	19.33% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.66% Vanguard Total Intl Stock Index Inv (VGTSX) 4.83% Vanguard Real Estate Index Investor (VGSIX) 14.49% Vanguard Total Bond Market Index Inv (VBMFX) 51.69% Cash (CASHX)	2.04%	3.90%	6.07%
14	Oct 1998	Oct 1998	1	18.17% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.09% Vanguard Total Intl Stock Index Inv (VGTSX) 4.54% Vanguard Real Estate Index Investor (VGSIX) 13.63% Vanguard Total Bond Market Index Inv (VBMFX) 54.57% Cash (CASHX)	2.38%	4.74%	8.16%
13	Sep 1998	Sep 1998	1	19.19% Vanguard Total Stock Mkt Idx Inv (VTSMX) 9.60% Vanguard Total Intl Stock Index Inv (VGTSX) 4.80% Vanguard Real Estate Index Investor (VGSIX) 14.39% Vanguard Total Bond Market Index Inv (VBMFX) 52.02% Cash (CASHX)	1.86%	3.32%	6.41%
12	Aug 1998	Aug 1998	1	37.78% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.89% Vanguard Total Intl Stock Index Inv (VGTSX) 9.45% Vanguard Real Estate Index Investor (VGSIX) 28.34% Vanguard Total Bond Market Index Inv (VBMFX) 5.54% Cash (CASHX)	-8.80%	-9.62%	-14.47%
11	Jul 1998	Jul 1998	1	36.10% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.05% Vanguard Total Intl Stock Index Inv (VGTSX) 9.02% Vanguard Real Estate Index Investor (VGSIX) 27.07% Vanguard Total Bond Market Index Inv (VBMFX) 9.76% Cash (CASHX)	-1.15%	-1.28%	-1.05%
10	Jun 1998	Jun 1998	1	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	1.60%	1.64%	4.07%
9	May 1998	May 1998	1	33.71% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.85% Vanguard Total Intl Stock Index Inv (VGTSX) 8.43% Vanguard Real Estate Index Investor (VGSIX) 25.28% Vanguard Total Bond Market Index Inv (VBMFX) 15.73% Cash (CASHX)	-0.92%	-1.25%	-1.74%
8	Mar 1998	Apr 1998	2	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	3.40%	3.50%	6.16%
7	Feb 1998	Feb 1998	1	33.21% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.61% Vanguard Total Intl Stock Index Inv (VGTSX) 8.30% Vanguard Real Estate Index Investor (VGSIX) 24.91% Vanguard Total Bond Market Index Inv (VBMFX) 16.96% Cash (CASHX)	3.49%	4.13%	7.19%
6	Jan 1998	Jan 1998	1	37.79% Vanguard Total Stock Mkt Idx Inv (VTSMX) 18.89% Vanguard Total Intl Stock Index Inv (VGTSX) 9.45% Vanguard Real Estate Index Investor (VGSIX) 28.34% Vanguard Total Bond Market Index Inv (VBMFX) 5.53% Cash (CASHX)	1.02%	1.05%	1.11%
5	Dec 1997	Dec 1997	1	27.25% Vanguard Total Stock Mkt Idx Inv (VTSMX) 13.63% Vanguard Total Intl Stock Index Inv (VGTSX) 6.81% Vanguard Real Estate Index Investor (VGSIX) 20.44% Vanguard Total Bond Market Index Inv (VBMFX) 31.86% Cash (CASHX)	1.11%	1.46%	1.72%
4	Nov 1997	Nov 1997	1	21.62% Vanguard Total Stock Mkt Idx Inv (VTSMX) 10.81% Vanguard Total Intl Stock Index Inv (VGTSX) 5.41% Vanguard Real Estate Index Investor (VGSIX) 16.22% Vanguard Total Bond Market Index Inv (VBMFX) 45.94% Cash (CASHX)	0.93%	1.52%	4.60%
3	Jun 1997	Oct 1997	5	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	6.25%	6.33%	8.51%
2	May 1997	May 1997	1	33.86% Vanguard Total Stock Mkt Idx Inv (VTSMX) 16.93% Vanguard Total Intl Stock Index Inv (VGTSX) 8.47% Vanguard Real Estate Index Investor (VGSIX) 25.40% Vanguard Total Bond Market Index Inv (VBMFX) 15.34% Cash (CASHX)	4.05%	4.75%	6.09%
1	Jan 1997	Apr 1997	4	40.00% Vanguard Total Stock Mkt Idx Inv (VTSMX) 20.00% Vanguard Total Intl Stock Index Inv (VGTSX) 10.00% Vanguard Real Estate Index Investor (VGSIX) 30.00% Vanguard Total Bond Market Index Inv (VBMFX)	2.01%	1.94%	8.74%