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Ten Best ETFs of 2012


 David John Marotta
   Marotta Wealth Management
   www.MarottaOnMoney.com
The Importance of
  Asset Allocation
The Importance of
  Asset Allocation
The Importance of
                                                Asset Allocation



      Short    US     Foreign     US     Foreign   Hard
Age
      Money   Bonds   Bonds     Stocks   Stocks    Assets

20    0.0%    0.0%     0.0%     40.2%    45.6%      14.0%

30    3.0%    2.2%     2.2%     36.2%    40.8%      15.6%

40    3.0%    5.8%     5.8%     32.2%    35.2%      17.0%

50    3.0%    7.7%     7.7%     30.0%    34.0%      17.6%

60    3.0%    9.7%     9.7%     27.9%    31.5%      18.2%

70    5.0%    13.6%   13.6%     22.8%    25.8%      19.2%

80    5.0%    18.7%   18.7%     17.7%    20.0%      19.9%
The Importance of
                                                Asset Allocation



      Short    US     Foreign     US     Foreign   Hard
Age
      Money   Bonds   Bonds     Stocks   Stocks    Assets

20    0.0%    0.0%     0.0%     40.2%    45.6%      14.0%

30    3.0%    2.2%     2.2%     36.2%    40.8%      15.6%

40    3.0%    5.8%     5.8%     32.2%    35.2%      17.0%

50    3.0%    7.7%     7.7%     30.0%    34.0%      17.6%

60    3.0%    9.7%     9.7%     27.9%    31.5%      18.2%

70    5.0%    13.6%   13.6%     22.8%    25.8%      19.2%

80    5.0%    18.7%   18.7%     17.7%    20.0%      19.9%
PIMCO Funds Total Return (PTTRX/PTTDX)
PIMCO Emerging Markets Bonds (PEBIX/PEMDX)
Dynamic Asset Allocation
 May boost returns even more
 than tilting small and value

Can be adjusted quarterly or annually

Should not increase transaction costs

Can be implemented using relatively
historical ratio of 10-year P/E ratios
80% Vanguard S&P 500 ETF (VOO)
20% Vanguard Information Tech ETF (VGT)
EWH
EWS
EWA
EWL
EWC
VWO
VWO
15% iShares MSCI Hong Kong Index (EWH)
15% iShares MSCI Singapore Index (EWS)
15% iShares MSCI Australia Index (EWA)
15% iShares MSCI Switzerland Index (EWL)

10% iShares MSCI Canada Index (EWC)

30% Vanguard MSCI Emerging Markets (VWO)
IGE
60% iShares NAmer Natural Resources (IGE)
40% Vanguard U.S. REIT (VNQ)
The Importance of
                                                Asset Allocation



      Short    US     Foreign     US     Foreign   Hard
Age
      Money   Bonds   Bonds     Stocks   Stocks    Assets

20    0.0%    0.0%     0.0%     40.2%    45.6%      14.0%

30    3.0%    2.2%     2.2%     36.2%    40.8%      15.6%

40    3.0%    5.8%     5.8%     32.2%    35.2%      17.0%

50    3.0%    7.7%     7.7%     30.0%    34.0%      17.6%

60    3.0%    9.7%     9.7%     27.9%    31.5%      18.2%

70    5.0%    13.6%   13.6%     22.8%    25.8%      19.2%

80    5.0%    18.7%   18.7%     17.7%    20.0%      19.9%
3% Money Market
9.7% PIMCO Total Return (PTTRX/PTTDX)
9.7% PIMCO Emerging Bonds (PEBIX/PEMDX)
22.3% Vanguard S&P 500 ETF (VOO)
5.6% Vanguard Information Tech ETF (VGT)
4.7% iShares MSCI Hong Kong Index (EWH)
4.7% iShares MSCI Singapore Index (EWS)
4.7% iShares MSCI Australia Index (EWA)
4.7% iShares MSCI Switzerland Index (EWL)
3.2% iShares MSCI Canada Index (EWC)
9.5% Vanguard MSCI Emerging Markets (VWO)
10.9% iShares NAmer Natural Resources (IGE)
7.3% Vanguard U.S. REIT (VNQ)
The Importance of
                                       Asset Allocation




Summary
Invest in all 6 asset classes
Use index ETFs with low expense ratios
Tilt value and small for US stocks
Tilt Foreign toward specific countries
Monitor and rebalance annually
Ten Best ETFs of 2012


 David John Marotta
   Marotta Wealth Management
   www.MarottaOnMoney.com

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Ten Best ETFs of 2012

  • 1. Ten Best ETFs of 2012 David John Marotta Marotta Wealth Management www.MarottaOnMoney.com
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  • 3. The Importance of Asset Allocation
  • 4. The Importance of Asset Allocation
  • 5. The Importance of Asset Allocation Short US Foreign US Foreign Hard Age Money Bonds Bonds Stocks Stocks Assets 20 0.0% 0.0% 0.0% 40.2% 45.6% 14.0% 30 3.0% 2.2% 2.2% 36.2% 40.8% 15.6% 40 3.0% 5.8% 5.8% 32.2% 35.2% 17.0% 50 3.0% 7.7% 7.7% 30.0% 34.0% 17.6% 60 3.0% 9.7% 9.7% 27.9% 31.5% 18.2% 70 5.0% 13.6% 13.6% 22.8% 25.8% 19.2% 80 5.0% 18.7% 18.7% 17.7% 20.0% 19.9%
  • 6. The Importance of Asset Allocation Short US Foreign US Foreign Hard Age Money Bonds Bonds Stocks Stocks Assets 20 0.0% 0.0% 0.0% 40.2% 45.6% 14.0% 30 3.0% 2.2% 2.2% 36.2% 40.8% 15.6% 40 3.0% 5.8% 5.8% 32.2% 35.2% 17.0% 50 3.0% 7.7% 7.7% 30.0% 34.0% 17.6% 60 3.0% 9.7% 9.7% 27.9% 31.5% 18.2% 70 5.0% 13.6% 13.6% 22.8% 25.8% 19.2% 80 5.0% 18.7% 18.7% 17.7% 20.0% 19.9%
  • 7. PIMCO Funds Total Return (PTTRX/PTTDX) PIMCO Emerging Markets Bonds (PEBIX/PEMDX)
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  • 14. Dynamic Asset Allocation May boost returns even more than tilting small and value Can be adjusted quarterly or annually Should not increase transaction costs Can be implemented using relatively historical ratio of 10-year P/E ratios
  • 15. 80% Vanguard S&P 500 ETF (VOO) 20% Vanguard Information Tech ETF (VGT)
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  • 19.
  • 20. EWH
  • 21. EWS
  • 22. EWA
  • 23. EWL
  • 24. EWC
  • 25. VWO
  • 26. VWO
  • 27. 15% iShares MSCI Hong Kong Index (EWH) 15% iShares MSCI Singapore Index (EWS) 15% iShares MSCI Australia Index (EWA) 15% iShares MSCI Switzerland Index (EWL) 10% iShares MSCI Canada Index (EWC) 30% Vanguard MSCI Emerging Markets (VWO)
  • 28. IGE
  • 29. 60% iShares NAmer Natural Resources (IGE) 40% Vanguard U.S. REIT (VNQ)
  • 30. The Importance of Asset Allocation Short US Foreign US Foreign Hard Age Money Bonds Bonds Stocks Stocks Assets 20 0.0% 0.0% 0.0% 40.2% 45.6% 14.0% 30 3.0% 2.2% 2.2% 36.2% 40.8% 15.6% 40 3.0% 5.8% 5.8% 32.2% 35.2% 17.0% 50 3.0% 7.7% 7.7% 30.0% 34.0% 17.6% 60 3.0% 9.7% 9.7% 27.9% 31.5% 18.2% 70 5.0% 13.6% 13.6% 22.8% 25.8% 19.2% 80 5.0% 18.7% 18.7% 17.7% 20.0% 19.9%
  • 31. 3% Money Market 9.7% PIMCO Total Return (PTTRX/PTTDX) 9.7% PIMCO Emerging Bonds (PEBIX/PEMDX) 22.3% Vanguard S&P 500 ETF (VOO) 5.6% Vanguard Information Tech ETF (VGT) 4.7% iShares MSCI Hong Kong Index (EWH) 4.7% iShares MSCI Singapore Index (EWS) 4.7% iShares MSCI Australia Index (EWA) 4.7% iShares MSCI Switzerland Index (EWL) 3.2% iShares MSCI Canada Index (EWC) 9.5% Vanguard MSCI Emerging Markets (VWO) 10.9% iShares NAmer Natural Resources (IGE) 7.3% Vanguard U.S. REIT (VNQ)
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  • 33. The Importance of Asset Allocation Summary Invest in all 6 asset classes Use index ETFs with low expense ratios Tilt value and small for US stocks Tilt Foreign toward specific countries Monitor and rebalance annually
  • 34. Ten Best ETFs of 2012 David John Marotta Marotta Wealth Management www.MarottaOnMoney.com