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Getting Through a Volatile Market
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7. Fluctuations Past performance does not guarantee future results. These examples do not reflect sales charges, taxes or other costs associated with investing. Lehman Brothers Aggregate Bond Index, an unmanaged index, is made up of a representative list of government, corporate, asset-backed and mortgage-backed securities. The index is frequently used as a general measure of bond market performance. Standard & Poor’s 500 Index (S&P 500 Index), an unmanaged list of common stocks, is frequently used as a general measure of market performance. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. Morgan Stanley Capital International EAFE Index, an unmanaged index, is compiled from a composite of securities markets of Europe, Australia and the Far East. The index is widely recognized by investors in foreign markets as the measurement index for portfolios of non-North American securities. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. The Citigroup one-month U.S. Treasury Bill Index, an unmanaged index, represents the performance of one-month Treasury bills. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. The Dow Jones Wilshire Real Estate Investment Trust Index includes equity owners and operators of commercial and/or residential real estate. Source: Morningstar Direct & Bloomberg (1978 to 1980 Citi T-bill returns, Citi T-bill incept is 12/31/77). You may not invest directly in an index.
8. Riding out volatility The Standard & Poor’s 500 Market Index (S&P 500) is an unmanaged list of common stocks frequently used as a measure of market performance. The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. The highest return is represented by the top of each bar and the lowest annual return is shown at the bottom. The rolling 5-, 10- and 20-year ranges are also shown. Over time, lower performing years will be offset by higher performing years and vice versa. Therefore the range of the historical returns over the entire period is narrower than the range of returns in any single year. Past performance is no guarantee of future results. Source: Morningstar Direct (DJ Wilshire REIT TR USD, LB US Agg Bond TR USD, S&P 500 TR) — returns over 1 year in length are annualized. 49.0% 32.6% 37.6% 30.2% 18.4% 28.6% 20.3% 14.1% 19.2% 15.3% 10.6% 17.9% -23.4% -2.9% -22.1% .7% 3.0% -2.3% 6.4% 6.0% 5.9% 10.0% 7.3% 11.1% DJ Wilshire REIT LB US Agg Bond S&P 500 1 year 5 year 20 year 10 year Historic rates from 1977 to 2007
9. *Data as of 12/31/07. The table above shows how various asset classes and a hypothetical diversified portfolio based upon equal weighting of each of the asset classes have performed from 2000–2007. Sources: Lipper, Inc., Thomson/InvestmentView and Wilshire REIT Index. Past performance does not guarantee future results. Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification and asset allocation do not guarantee overall portfolio profit and do not protect against loss. The above performance is not intended to represent any specific investment. It is not possible to invest directly in any of the unmanaged indices shown above. All performance shown assumes reinvestment of interest and does not include the expenses of managing a mutual fund. Every investor has unique goals and tolerance for risk. Russell 1000 ® Growth Index measures the performance of the 1,000 largest companies in the Russell 3000 Index with higher price-to-book ratios and higher forecasted growth values. Russell 1000 ® Value Index measures the performance of the 1,000 largest companies in the Russell 3000 Index with lower price-to-book ratios and lower forecasted growth values. MSCI EAFE Index is designed to measure the performance of the developed stock markets of Europe, Australia and the Far East, weighted by capitalization. Russell 2000 ® Value Index contains those Russell 2000 securities with lower price-to-book ratios. Russell 2000 ® Growth Index contains those Russell 2000 securities with higher price-to-book ratios. Russell Midcap ® Index consists of the smallest 800 companies in the Russell 1000 Index, as ranked by total market capitalization. Lehman Brothers High Yield Bond Index covers the universe of fixed rate, non-investment grade debt. The Index includes both corporate and noncorporate sectors. Lehman Brothers Aggregate Bone Index is composed of corporate, U.S. Government, mortgage-backed and Yankee bonds with an average maturity of approximately 10 years. Wilshire REIT Index is an unmanaged group of publicly-traded real estate investment trusts. Diversified Portfolio assumes quarterly rebalancing and an equal weighting in each of the listed indices. This is for illustrative purposes only and does not reflect the performance of any specific investment. Large Cap Growth: Russell 1000 ® Growth Index Large Cap Value: Russell 1000 ® Value Index Int’l Stocks: MSCI EAFE Index Small Cap Value: Russell 2000 ® Value Index Small Cap Growth: Russell 2000 ® Growth Index Mid Cap Stocks: Russell Mid Cap ® Index High Yield Bonds: Lehman Brothers High Yield Bond Index Bonds: Lehman Brothers Aggregate Bond Index Real Estate: Wilshire REIT Index Diversified Portfolio: Hypothetical portfolio with quarterly rebalancing and an equal weighting in each of the indices listed REAL ESTATE 31.04% SMALL CAP VALUE 22.83% BONDS 11.63% MID CAP STOCKS 8.25% LARGE CAP VALUE 7.01% DIVERSIFIED PORTFOLIO 1.14% HIGH YIELD BONDS -5.86% INT’L STOCKS -13.96% LARGE CAP GROWTH -22.42% SMALL CAP VALUE 14.02% REAL ESTATE 12.35% BONDS 8.44% HIGH YIELD BONDS 5.28% DIVERSIFIED PORTFOLIO -1.87% LARGE CAP VALUE -5.59% MID CAP STOCKS -5.62% LARGE CAP GROWTH –20.42% INT’L STOCKS -21.21% BONDS 10.25% REAL ESTATE 3.58% HIGH YIELD BONDS -1.41% SMALL CAP VALUE -11.43% DIVERSIFIED PORTFOLIO -11.74% LARGE CAP VALUE -15.52% INT’L STOCKS -15.66% MID CAP STOCKS -16.19% LARGE CAP GROWTH -27.88% SMALL CAP GROWTH 48.54% SMALL CAP VALUE 46.03% MID CAP STOCKS 40.06% INT’L STOCKS 39.17% REAL ESTATE 36.18% DIVERSIFIED PORTFOLIO 33.58% LARGE CAP VALUE 30.03% LARGE CAP GROWTH 29.75% HIGH YIELD BONDS 28.97% BONDS 4.10% REAL ESTATE 33.16% SMALL CAP VALUE 22.25% INT’L STOCKS 20.70% MID CAP STOCKS 20.22% DIVERSIFIED PORTFOLIO 16.63% LARGE CAP VALUE 16.49% HIGH YIELD BONDS 11.13% LARGE CAP GROWTH 6.30% BONDS 4.34% INT’L STOCKS 14.02% REAL ESTATE 13.82% MID CAP STOCKS 12.65% DIVERSIFIED PORTFOLIO 7.46% LARGE CAP VALUE 7.05% LARGE CAP GROWTH 5.26% SMALL CAP VALUE 4.71% HIGH YIELD BONDS 2.74% BONDS 2.43% REAL ESTATE 35.97% INT’L STOCKS 26.86% SMALL CAP VALUE 23.48% LARGE CAP VALUE 22.25% DIVERSIFIED PORTFOLIO 17.97% MID CAP STOCKS 15.26% HIGH YIELD BONDS 11.85% LARGE CAP GROWTH 9.07% BONDS 4.33% LARGE CAP GROWTH 11.81% INT’L STOCKS 11.63% BONDS 6.97% MID CAP STOCKS 5.60% DIVERSIFIED PORTFOLIO 2.19% HIGH YIELD BONDS 1.87% LARGE CAP VALUE -0.17% SMALL CAP VALUE -9.78% REAL ESTATE -17.55% SMALL CAP GROWTH -22.43% SMALL CAP GROWTH -9.23% SMALL CAP GROWTH -30.26% SMALL CAP GROWTH 14.31% SMALL CAP GROWTH 4.15% SMALL CAP GROWTH 13.35% SMALL CAP GROWTH 7.05% 2000 2001 2002 2003 2004 2005 2006 2007*
10. Initial $10,000 investment Hypothetical example. Rate of return is for illustration purposes only and is not meant to represent any specific investment. Yields are hypothetical compounded rates of return. The actual value and returns on most investments will fluctuate. It does not take into account any federal or state taxes that may apply.
11. 25 years later: Kent has earned $23,367 more Hypothetical example. Rate of return is for illustration purposes only and is not meant to represent any specific investment. Yields are hypothetical compounded rates of return. The actual value and returns on most investments will fluctuate. It does not take into account any federal or state taxes that may apply.
13. Missing the best days The index reflects reinvestment of all distributions and changes in market prices, but excludes brokerage commissions or other fees. The chart shows the S&P 500 total return. Dividends are reinvested. Source: Ned Davis Research, Inc. YS285, 2/07/2008.
14. Dollar-cost averaging Dollar-cost averaging not guarantee a profit or protect against losses in a declining market. Investors should consider their ability to continue investing during periods of low markets. This illustration is hypothetical and is not a forecast or guarantee of specific investment results. Average price per share: (10+8+5+7+9+10)/6= $8.17 Average cost per share: (600/77.9)= $7.70 Month You invest Share price Shares purchased January $100 ÷ $10 = 10 February $100 ÷ $8 = 12.5 March $100 ÷ $5 = 20 April $100 ÷ $7 = 14.3 May $100 ÷ $9 = 11.1 June $100 ÷ $10 = 10 Total $600 = 77.9
[PRESENTER STANDS OFF TO THE SIDE OF THE ROOM.] How was [lunch/dinner]? [WALK TO THE KNOWLEDGE SPOT, WHICH IS FRONT AND CENTER OF THE ROOM.] I’d like to thank you for taking the time to attend today’s program. I also want to thank my staff [CALL OUT BY NAME IF PRESENT] and the team at [HOTEL OR RESTAURANT NAME] for helping put this event together. My name is [name] and I’m a [title] with Ameriprise Financial. Like you, I’m an individual with short- and long-term goals and dreams. We’re here [today] [tonight] to talk about the challenges we’re facing in the current market due to fluctuations, or volatility. Volatility refers to the speed and severity of market price swings — either up or down. We’ll also discuss how market performance might affect your goals and dreams. How many of you are here because you’re concerned about how market volatility will affect your retirement — either now or in the near future? [WATCH FOR HANDS.] How many of you are contemplating a major purchase or sale, such as a house, or are trying to finance your child’s education? [WATCH FOR HANDS.] I’ll do my best to address each of your concerns [today] [tonight], and I will answer a couple of questions after my presentation. Feel free to stay afterward if you have a question you’d like me to answer more privately. Before we get started, I’d like to tell you a little more about myself and why I do what I do. [DESCRIBE CREDENTIALS: DEGREES, DESIGNATIONS, LICENSES, YEARS OF EXPERIENCE, COMMUNITY ORGANIZATIONS, ETC. USE INFORMATION FROM YOUR APPROVED BIOGRAPHY AS A GUIDE.]
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