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Guidelines for Achieving Broad Portfolio Diversification

7Twelve® Performance*

7Twelve portfolio performance from 2000 to 2019 is shown below. Note that numbers in red indicate negative returns.

Calendar Year Total % Return*
(assuming ANNUAL rebalancing)
Active
7Twelve Model
Passive ETF
7Twelve Model
Vanguard Balanced Index (VBIAX) Vanguard 500 Index (VFIAX)
2000 11.21 5.42 –2.03 –9.04
2001 2.98 –1.94 –2.98 –11.98
2002 2.18 –0.64 –9.45 –22.10
2003 28.82 26.95 20.02 28.59
2004 19.79 17.80 9.37 10.82
2005 12.91 12.34 4.79 4.87
2006 15.98 14.96 11.06 15.75
2007 13.78 11.58 6.31 5.47
2008 –28.14 –25.16 –22.12 –36.97
2009 32.36 25.64 20.11 26.62
2010 14.52 14.41 13.29 15.05
2011 –6.31 –1.00 4.29 2.08
2012 12.42 10.64 11.49 15.96
2013 11.33 9.65 18.10 32.33
2014 0.05 2.50 9.99 13.64
2015 –6.96 –5.07 0.51 1.36
2016 9.19 10.14 8.77 11.93
2017 13.67 11.97 13.89 21.79
2018 –7.64 –5.89 –2.86 –4.43
2019 15.87 15.89 21.80 31.45
  
20-Year Average Annualized % Return** 7.50 6.82 6.14 6.04
20-Year Growth of $10,000 $42,486 $37,434 $32,956 $32,292
20-Year Standard Deviation of Annual Returns (%) 13.70 11.99 10.94 18.06
Annual % of Expense Ratio in 2020 0.70 0.14 0.07 0.04

* Performance assumes equally weighting each sub-asset and annual rebalancing. Taxes and inflation were not taken into account. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE PERFORMANCE. Raw performance data utilized in Active and Passive 7Twelve models have changed slightly in some years due to transitioning from market price to NAV return data.
** Average annualized return is a geometric mean, not an arithmetic mean.
20-Year Growth of $10,000
January 1, 2000 to December 31, 2019

For a performance update, download and read our Performance Update.

   
What Is 7Twelve?
7Twelve Model
7Twelve Performance
The Rationale
Historical Performance

Popular Documents
"An Introduction to 7Twelve"
Read Article or view Slide Show
Purchase 7Twelve Portfolio Reports
Monthly 7Twelve Performance Updates
7Twelve Performance Graphs
"Benchmarking: The Art of the Science," AAII Journal
"The $12 Portfolio"
"Three Essential Points for All Investors"
"Keeping Portfolio Costs Low"
S&P 7Twelve Index
7Twelve Partners (for financial advisors only)
7Twelve Portfolio Library
7Twelve Presentation at the University of Missouri
Go, Portfolio. Go!
"Building a Better Nest Egg," Christopher M. Wright, Real Estate Investment Today, May/June 2011.