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MyPlanIQ 401k Investor Fidelity Personal Retirement Annuity Fidelity Personal Retirement Annuity Strategic Asset Allocation - Optimal Moderate

Fidelity Personal Retirement Annuity Strategic Asset Allocation - Optimal Moderate

live (public) 0.38% December 31

Delayed Holdings (As of 11/30/2018)
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Asset Fund in this portfolio Price change* Original Fund Description Percentage
Commodities PCRPX (PIMCO COMMODITYREALRETURN STRATEGY FUND CLASS P) 0.17% PIMCO Commodity Real Return Strategy 4.10%
General Bond FFRAX (FIDELITY ADVISOR FLOATING RATE HIGH INCOME FUND CLASS A) 0.0% Fidelity Advisor Floating Rate Hi Income 21.45%
US Equity FAGCX (FIDELITY ADVISOR GROWTH OPPORTUNITIES FUND CLASS I) 0.67% Fidelity Advisor Growth Opportunities 11.18%
US Equity FCNTX (Fidelity Contrafund) 0.71% Fidelity Advisor Contrafund 11.64%
Real Estate FHEIX (FIDELITY ADVISOR REAL ESTATE FUND CLASS I) 0.99% Fidelity Advisor Real Estate 6.96%
Emerging Market Equity LZEMX (LAZARD EMERGING MARKETS EQUITY PORTFOLIO INSTITUTIONAL SHARES) 0.59% Lazard Retirement Emerging Markets Equity 10.64%
International Equity AWSAX (INVESCO GLOBAL CORE EQUITY FUND CLASS A) 0.33% Invesco Global Core Equity 8.41%
International Equity FSIVX (FIDELITY INTERNATIONAL INDEX FUND PREMIUM CLASS) FIDELITY INTERNATIONAL INDEX FUND PREMIUM CLASS 8.25%
International Bond TGBAX (TEMPLETON GLOBAL BOND FUND ADVISOR CLASS) 0.17% Franklin Templeton Global Bond Securities Fund 2.76%
Inflation Protected Bond PRRIX (REAL RETURN FUND INSTITUTIONAL) 0.09% PIMCO Real Return 14.61%

* Day change on 11/30/2018.

Monthly Holding Date: Total Transaction Times So Far:
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Holdings

Transactions

Beta
Performance (As of 12/31/2018)

Since 12/31/2000

Name YTD*
Return		 1Yr
AR**		 3Yr
AR**		 5Yr
AR**		 10Yr
AR**		 15Yr
AR**
Fidelity Personal Retirement Annuity Strategic Asset Allocation - Optimal Moderate -1.9% -4.6% 4.6% 2.9% 7.7% 6.1%
VFINX (Vanguard (S&P 500) Index) 10.5% 29.0% 10.4% 15.1% 12.7% 14.6%
VBINX (Vanguard Balance (60% stocks/40% bonds) 5.2% 16.9% 4.2% 8.6% 7.8% 9.7%
*   YTD: Year to Date
**  AR: Annualized Return
Last 1 Week* 1 Yr 3 Yr 5 Yr 10 Yr 15 Yr Since
01/02/2001		 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Annualized Return(%) 1.5 -4.6 4.6 2.9 7.7 6.1 6.2 -4.6 12.5 6.6 -1.6 2.7 9.1 12.5 -2.9 16.5 31.0 -27.9 10.3 13.8 12.2 13.9 26.5 -5.2 0.9
Sharpe Ratio NA -0.66 0.53 0.34 0.7 NA 0.47 -0.66 2.9 0.79 -0.2 0.44 1.34 1.64 -0.21 1.28 1.57 -1.24 0.7 1.42 1.62 1.58 3.62 -0.62 -0.13
Draw Down(%) NA 11.0 11.0 12.0 18.2 NA 41.6 11.0 1.6 7.1 8.8 5.7 7.8 7.2 15.6 9.9 18.2 39.6 7.6 8.6 4.6 9.6 5.9 15.3 15.2
Standard Deviation(%) NA 8.9 7.4 7.3 10.6 NA 11.1 8.9 4.1 8.1 8.2 6.2 6.8 7.6 14.2 12.8 19.6 23.4 10.4 7.4 6.2 8.2 7.1 10.1 10.4
Treynor Ratio NA -0.12 0.07 0.05 0.13 NA 0.1 -0.12 0.24 0.11 -0.03 0.06 0.17 0.23 -0.05 0.24 0.44 -0.53 0.12 0.17 0.21 0.23 0.77 -0.18 -0.03
Alpha NA -0.01 0.0 0.0 0.0 NA 0.01 -0.01 0.01 0.0 -0.01 -0.01 -0.02 0.02 -0.01 0.03 0.05 -0.03 0.03 0.01 0.04 0.03 0.06 0.01 0.02
Beta NA 0.49 0.52 0.5 0.59 NA 0.53 0.49 0.5 0.57 0.48 0.49 0.54 0.55 0.58 0.67 0.7 0.54 0.6 0.62 0.49 0.56 0.34 0.34 0.42
RSquared NA 0.87 0.83 0.83 0.87 NA 0.82 0.87 0.65 0.86 0.84 0.8 0.78 0.85 0.9 0.9 0.93 0.9 0.84 0.71 0.66 0.58 0.65 0.77 0.75
Sortino Ratio NA -0.84 0.71 0.46 0.99 NA 0.66 -0.84 4.65 1.09 -0.27 0.61 1.86 2.49 -0.27 1.85 2.33 -1.61 0.95 2.13 2.41 2.2 5.67 -0.86 -0.18
Yield(%) N/A 4.82 4.09 4.01 3.72 N/A 4.1 4.8 4.54 2.9 3.91 3.86 2.59 3.92 4.34 2.8 3.41 3.32 8.16 6.26 5.57 3.9 3.16 3.07 3.31
Dividend Growth(%) N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A

*: NOT annualized;YTD: Year to Date
**Inception: starting from 12/31/2000

Tax Performance Analytics
Commission Fee ($ per transaction)      Long Term Tax Rate (%)
Short Term Tax Rate (%)      Monthly Withdraw ($)
Monthly Deposit ($)      Tax on Withdraw (%)
Initial Amount ($)      Estimation Method
The start date of the charts is 01/02/2001 when all charts have data
Portfolio Description
This model portfolio uses Strategic Asset Allocation - Optimal strategy. Asset weights of available asset classes Emerging Market Equity, Real Estate, International Equity, Commodities, Inflation Protected Bond, US Equity, General Bond, International Bond in Fidelity Personal Retirement Annuity are derived based on long term asset trends and their correlations. For each major asset class, one or two funds are selected:
   1. Risk allocation: the risk profile of this portfolio is 40. The total allocation of the fixed income asset should be at least 40%.

   2. Asset weights:
  • Emerging Market Equity
  • Real Estate
  • International Equity
  • Commodities
  • Inflation Protected Bond
  • US Equity
  • General Bond
  • International Bond
  • 10.0%
  • 7.0%
  • 16.0%
  • 5.0%
  • 15.0%
  • 22.0%
  • 22.0%
  • 3.0%

   3. Fund selection: one or two top performing funds among 58 available funds in the plan are chosen for each asset. They are usually equally weighted within the asset by default. Volatile funds or ETFs with small trading volume are ignored.

   4. Rebalance frequency: the portfolio is reviewed by the strategy program monthly and the above steps are repeated. Asset weights are rebalanced back to target allocation if it is necessary.

   5. Simulation: Performance data before this portfolio went public are obtained from historical simulation. They are hypothetical.
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