Past performance is no guarantee of future results and there can be no assurance that the hypothetical results presented can be achieved.
The performance results listed on the front page of our website represent hypothetical Money Master Investment Portfolios. The hypothetical portfolio performance and risk analysis data was created by RCA using Zephyr StyleADVISOR from Zephyr Associates, Inc. based on each portfolio's indicated asset allocation.
These hypothetical portfolio performance results are shown to illustrate a portion of the information RCA considers when selecting a fund manager and constructing an asset allocated, diversified, risk-adjusted portfolio.
The 10-year hypothetical portfolio performance results are based on the 10 year annualized returns achieved by the indicated mutual funds for the 10 year period 01/01/98-12/31/07 and show all dividends and gains reinvested. Source for calendar 10-year results: Zephyr Analytics. The performance results are shown net of all fund fees and expenses but prior to the deduction of the appropriate monthly RCA Investment Advisory Fee
The 5-year hypothetical portfolio performance results are based on the 5 year annualized returns achieved by the indicated mutual funds for the 5 year period 01/01/03-12/31/07 and show all dividends and gains reinvested. Source for calendar 5-year results: Zephyr Analytics. The performance results are shown net of all fund fees and expenses but prior to the deduction of the appropriate monthly RCA Investment Advisory Fee
The 3-year hypothetical portfolio performance results are based on the 3 year annualized returns achieved by the indicated mutual funds for the 3 year period 01/01/05-12/31/07 and show all dividends and gains reinvested. Source for calendar 3-year results: Zephyr Analytics. The performance results are shown net of all fund fees and expenses but prior to the deduction of the appropriate monthly RCA Investment Advisory Fee
The Retirement Corporation of America (RCA) is under no obligation to use the featured managers or funds and will change managers should they fail to meet our selection criteria. Each fund is currently managed by the featured manager. Certain funds listed utilize a team approach.
The historical index performance results, the hypothetical portfolio performance results, and any fund performance results are provided exclusively for informational and illustrative purposes only, so as to provide general comparative information to assist an individual client or prospective client in determining whether a specific portfolio meets, or continues to meet, his/her investment objective(s). For reasons including variances in portfolio account holdings, variances in the investment management fee incurred, market fluctuation, the date on which a client engaged RCA's investment management services, and any account contributions or withdrawals, the performance of a specific client's account may vary substantially from the indicated hypothetical performance results.
The hypothetical portfolio results reflect hypothetical, back-tested results, that were achieved by means of the retroactive application of a back-tested portfolio and, as such, the corresponding results have inherent limitations, including: (1) the portfolio results do not reflect the results of actual trading using client assets, but were achieved by means of the retroactive application of each of the referenced portfolios, certain aspects of which may have been designed with the benefit of hindsight; (2) back tested performance may not reflect the impact that any material market or economic factors might have had on the adviser's use of the hypothetical portfolio if the portfolio had been used during the period to actually mange client assets; and, (3) for various reasons (including the reasons indicated above), clients (for the period of time RCA managed its accounts) may have experienced investment results during the corresponding time periods that were materially different from those portrayed in the portfolio.
The historical performance results of the comparative index benchmark and the hypothetical portfolio performance results do not reflect the deduction of transaction and custodial charges.
No reader should assume that any specific investment or investment strategy made reference to on this website will either be profitable or equal historical or anticipated performance levels. It should also likewise not be assumed that the performance of any specific investment style or sector will be profitable, or equal either the hypothetical portfolio performance results, or the performance results for the comparative index benchmark provided.
Information pertaining to RCA's advisory operations, services, and fees is set forth in RCA's current disclosure statement, a copy of which is available from RCA upon request. Information pertaining to any mutual fund that is current component of an RCA hypothetical portfolio is set forth in each respective mutual fund's prospectus, a copy of which is also available from RCA upon request.