Asset Class Risk Assumptions

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Asset Allocation and Portfolio Tools
- Module 1:Step 1: Master These Basic Investment Concepts
  - Lesson 1:The Money For the Rest of Us Philosophy
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    What Are Stocks?
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    What Are Bonds?
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    What are Exchange Traded Funds (“ETFs”) and Exchange Traded Notes? (“ETNs”)
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    What Are Open End and Closed End Mutual Funds?
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    How To Select A Brokerage Account
- Module 2:Step 2: Understand These Asset Classes
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    What Are Stocks?
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    What Are Bonds?
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    What Are Real Estate Investment Trusts (“REITs”)
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    What Are High Yield Bonds?
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    What Are Bank Loans?
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    What Are Convertible Bonds?
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    What Are Master Limited Partnerships (“MLPs”)?
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    What Are GICs and Stable Value Funds?
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    What Are Inflation-indexed Bonds (TIPs)?
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    What Are Commodity Futures and Managed Futures?
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    What Is Private Capital?
- Module 3:Step 3: Choose An Asset Allocation Method
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    Choose An Asset Allocation Method
- Module 4:Step 4: Develop Asset Class Return and Risk Assumptions
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    Global Equity Market Expected Returns
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    Global Fixed Income Expected Returns
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    Income Strategies Expected Returns
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    Asset Class Risk Assumptions
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    How Dividends and Their Growth Rate Equal Total Return
- Module 5:Step 5: Select A Target Asset Allocation (Model Portfolios)
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    Asset Allocation Model (Spreadsheet)
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    Example Index Mutual Funds and ETFs
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    Model Portfolios
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    Ultra Conservative Model Portfolio
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    Conservative Model Portfolio
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    Moderate Model Portfolio
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    Moderately Aggressive Model Portfolio
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    Aggressive Model Portfolio
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    Model Portfolio Alternatives For Vanguard, Fidelity, Schwab, TSP and Others
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    Model Portfolio Holding Explanations
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    David’s Current Portfolio
- Module 6:Step 6: Implement Your Portfolio
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    Allocating Assets Across Different Accounts
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    How To Transition A Portfolio To A New Target Allocation
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    Rebalancing and Portfolio Change Costs and Benefits
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    Asset Location – Taxable versus Tax Deferred Accounts
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    Determining Whether To Sell A Taxable Holding
  - Lesson 1:Using the Mind the Gap Retirement Spending Spreadsheet
  - Lesson 2:Using The Am I Saving Enough Retirement Planning Spreadsheet
- Module 7:Step 7: Adapt Your Portfolio (Investment Conditions)
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    Introduction To the Investment Conditions Report
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    Most Recent Monthly Investment Conditions Report
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    Using Investment Conditions To Adjust A Portfolio
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    Why Stock Valuations Are Important
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    Purchasing Manager Indices (“PMI”): How They Work and Why They Are Important
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    What Are Market Internals?
- Module 8:Advanced Topic: Smart Beta and Factor Investing
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    Enhancing Returns Using Smart Beta and By Adjusting Factor Exposures
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    Smart Beta: Value Investing
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    Example Smart Beta Value ETFs
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    Smart Beta: Momentum Investing
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    Example Smart Beta Momentum ETFs
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    Smart Beta: Low Volatility Investing
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    Example Smart Beta Low Volatility ETFs
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    How To Implement Smart Beta Strategies
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    Smart Beta Investment Conditions
- Module 9:Advanced Topic: How To Invest In Bonds
  - Lesson 1:The Bare Minimum – Bond Basics
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    The Bare Minimum – Yield To Maturity
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    The Bare Minimum – Duration
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    Funds versus Individual Bonds
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    What Determines Interest Rates – Part One
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    What Determines Interest Rates – Part Two
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    What Determines Interest Rates – Part Three
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    Corporate Spreads and Default Rates
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    Estimating Longer-term Default Rates
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    Interest Rate and Yield Curve Strategies
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    Fixed Income Sectors

J. David Stein
Darby Creek Advisors LLC
P.O. Box 9277 • Phoenix, AZ • 85068

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