The most common way used to quantify investment risk is standard deviation. It describes the risk of a security or portfolio of securities. Standard deviation provides a precise measurement of the amount of variation in a series of numbers. We compared the Moderate Growth ETF Model Growth & All Equity ETF Growth portfolios VS. the S&P 500 index, the MSCI EAFE index (international), and the Lehman Brothers Aggregate Bond index.

This is critical in determining an investor’s real return. High standard deviation can be detrimental in negative years as it takes a greater return to get out of a hole than it took to get into it. For example, portfolio 'A' may have a 1% per year lower average annual return than portfolio 'B' and yet it gave an investor more money at the end of 10 years. This is because it had a lower level of volatility.

* Standard deviation numbers reflect index returns correlated to the fund.  Performance assumes that the investment was not redeemed and that dividends and capital gains were reinvested. Total returns do not reflect the expense of the Money Map Advisors, LLP Management Fee which ranges from .50% to .75%. Current performance may be higher or lower than quoted performance quoted.  Performance data quoted represents past performance, which is not a guarantee of future results. Investment returns and principal value will fluctuate, and shares, when redeemed, may be worth more or less than their original cost. Current performance may be higher or lower than performance data quoted. Some of the ETFs performance reflects fee waivers, absent which, performance data quoted would have been lower. Prior to the inception date of an ETF, index performance is depicted. These index performance results are hypothetical. Average annual returns represent combined hypothetical & historical returns. Index returns do not represent actual ETF returns. An investor cannot invest directly in an index. The index does not charge management fees or brokerage expenses and no such fees or expenses were deducted from the hypothetical performance shown nor does the index lend securities. No revenues from securities lending were added to the security performance shown. In addition, the results actual investors might have achieved would have differed from those shown because of differences in timing, amounts of their investments, rebalancing frequency, and fees and expenses associated with an investment in an Exchange Traded Fund. The Money Map Advisors, LLP portfolios are not insured by the FDIC or any other government agency; are not a deposit or other obligation of, or guaranteed by, any ank or any bank affiliate and are subject to investment risks, including the possible loss of the principal amount invested.  See ADV for complete information.