ࡱ>  @ n*bjbjVV @r<r<!d >>>>TJ 777J88J =9L":^:::*=@j=~= <*REvA="*=AA>>::DDDA4><::vvDADDvacz|`:9 c|Cr7BR| 0=@ kBf`J J >>>>` =T>D>tX?===J J N"dC4J J N"Investment Policy Statement for the Dale C. Maley Family   Prepared by: DC Maley Last Revised 11/28/2009 Executive Summary Current Assets: Dale has a total of $xxxx in assets and a net worth of $xxxx. Time Horizon: Dale has 1 6 years until retirement and an expected 20 years in retirement [Life expectancy of 74 years based upon male forefathers]. Dale has a 20 year time horizon. Connie is 52 years old and if she lives to 90 her life expectancy is another 38 years. (see Joint Life Expectancy Table at end of this document). Total time horizon is  time_horizon 38 years. Over-All Portfolio Expected Return: Dale expects a portfolio return that has similar returns to historical returns (adjusted to the stock-to-bond asset allocation being used) Asset ClassHistorical Nominal Return 1927-2005Rick Ferri 30 Year Prediction with 3% InflationRick Ferri 30 Year Prediction SigmaWilshire 5,00010.01%Large Cap8.00%15.00%Large Cap Value12.37%Large Cap Growth9.54%Small Cap9.00%20.00%Small Cap Value15.37%Micro Cap Value17.28%Small Cap Growth9.22%Foreign Stocks10.00%8.00%17.00%Total Bond5.90%5.00%5.30%REIT8.00%14.00% For example, a 60:40 AA would give 60% (10.01) + 40% (5.90) = 8.4% Loss Limit: Dale can accept losing 25% in his portfolio in any single year. See Risk Tolerance chart below. Asset Allocation: Dales target is a 60:40 portfolio counting REITs as stock and cash as bonds. Objectives: Dales objectives are: To retire in 5 years maximum from ACME Manufacturing (age 59) Retirement income will give same after-tax spending as before retirement. The withdrawal rate from the investment portfolio will not exceed 4% of assets per year, inflation adjusted by year. To make assets last the rest of Dale and Connies lives. Continue to take one good vacation per year. Start own financial planning business after retirement from ACME Manufacturing. Purchase or rent winter home around Athens, Georgia. Investment Philosophy: Dales approach to investing is: Dale will balance taking as much risk as he possibly can to achieve a higher long-term rate of return with his ability to tolerate that risk and not panic in a downturn, selling at the wrong time. Always remember the  time_horizon 38 year time horizon. Dale recognizes he will never know which asset class will outperform each year and will subsequently diversify across a wide range of investment opportunities. Then he can participate in the upside of most asset-class performance without over-concentrating in one area and risking a loss he can not tolerate. Dale will control costs by using low cost index funds or ETFs for his investments. He generally believes in the Efficient Market Hypothesis which says that index funds will outperform active mutual fund managers over long periods of time. Preferences and Constraints: Dales preferences and constraints include: Time Horizon: Dale and Connie have a long time horizonabout  time_horizon 38 years. He can afford short-term market fluctuations. Asset-Class Preference: Dale believes in the fundamental concept of allocating his assets over a variety of sub-asset allocation categories. His preference is to include large-cap U.S. stocks, mid-cap U.S. stocks, small-cap U.S. stocks, real estate in the form of REITs, foreign stocks, bonds, and cash. The allocation between large, mid, and small-cap stocks should roughly be the same as the U.S. stock market or 65/25/10 per the Vanguard Portfolio Analysis section on their web site in 2006. Dale prescribes to the theory that Emerging Market stocks should be included in a portfolio for diversification and therefore deserve a 20% allocation of the Vanguard Total International Stock Fund. Per Vanguards recommendation, target is that Foreign Stocks are at least 20% of total stock investments. Dale believes hard assets also deserve a 5% allocation as a hedge against very high inflation (Rowe Price New Era fund). Could try PCRIX commodity fund, but do not have room in retirement account for it, and already own New Era fund. Dale believes the results of Fama 3-Factor study showing small-cap value should be over-weighted in the portfolio. However, it may take 20 or 30 years for the small cap value premium to show up. Swedroe predicts that slice & dice portfolios using small-cap value will only show a +1% increase in return, versus the 4% historic advantage. Dale approves adding a value tilt to a portfolio, but has no plans to do this. Performance Expectations: Dales goal is to beat inflation by 5 to 8 percent annually on an over-all basis (basically achieve the 1927-2005 historical returns shown above) Tax Issues: No special tax issues. Risk Tolerance: Given that Dale has a long time horizon; he is willing to tolerate short-term market fluctuations of up to 25% in any one year. This risk tolerance will be reduced as Dale ages. Dale is aware of the risk of having a 60% stock portfolio: Equity exposure -- Max Loss 20%.....................05% 30%.....................10% 40%.....................15% 50%.....................20% 60%.....................25% 70%.....................30% 80%.....................35% 90%.....................40% 100%....................50% Asset Allocation Limits: Stay within +/- 5% of 60:40 Investment Selection Criteria: Dales investments must meet the following criteria: No-Load Stock or Bond Index Mutual Funds Index Funds Tax free intermediate municipal bond funds (VWITX) is acceptable if tax bracket warrants it ETFs if no index funds are available. Foreign stock index funds or ETFs No limited partnerships, commodity futures contracts, buying on margin, stock options. No annuities due to high fees. No hedge funds. Pimco PCRIX commodity fund is acceptable (see Swedroe, Ferri, and Bogleheads). PCRIX is $25K minimum through Vanguard with 0.75% ER. Immediate annuities may be considered when Dale enters his 70s. There is data to suggest that partial annuitization of a portfolio allows a high safe withdrawal rate due to insurance companies spreading the risk over the whole population. This allows insurance companies to plan on the average age versus individual investor planning to maximum age. Note that William Bernstein recommends not investing in SPIAs because of insurance company bankruptcy issues after Crash of 2008 and AIG. Monitoring Procedures: Although Dale will monitor his portfolio on a daily basis, he will not make any sell decisions more often than annually. At that time, he will not only review the returns of each of his investments against their peer groups, but hell determine whether these investments are edging him towards his goals. Rebalancing: Rebalancing will be done annually at the end of the year. Dale C. Maley  This life expectancy table came from book Getting Started in a Financially Secure Retirement page 106. It originally came from IRS publication 590, but I checked  HYPERLINK "http://www.IRS.gov" www.IRS.gov and it is no longer available. 12/13/07 Revision History DateRevisions08/05/2006Added Revision History Page. Revised evaluation section since not necessary if using index versus actively managed funds. Added Fama comment on small cap growth.11/26/06Add header and footer borders. Added foreign stock allocation and target. Vanguard portfolio analyzer says my portfolio is low on foreign stocks (it does not count BRIC stocks as foreign stocks).12/22/06Made some minor revisions. Removed Harrahs from list since it was sold.12/13/07Performed annual update. Added Lessons Learned table on poor past investments as reminder not to pick individual stocks!12/18/08Performed annual update. Stated annual rebalancing at end of each year.11/28/09I added bookmark and fields to automatically update the number of years of time horizonversus retyping many times. The second way is to use bookmarks. In this method you would perform the following steps: At the first instance of the reference, define the value or text as a bookmark. (Defining bookmarks was discussed fully in a previous WordTips.) At the next point where you need the same value or text, insert a field by pressing CTRL+F9. Within the field, type REF [bookmark], where [bookmark] is the name of the bookmark you defined in step 1. Repeat steps 2 and 3 for each occurrence of the value or text. You will want to make sure that you update your fields before printing if you use the bookmark method just described. 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