Financial Planning: Portfolio Analysis and Recommendations

This document provides a comprehensive analysis of portfolio planning and recommendations for financial planning. It discusses the risk and return of different stocks and mutual funds, including Apple, Amazon, Coca-Cola, McDonald's, and Investors Mutual of Canada Series Tu-NL. The document also covers the allocation of resources and offers insights on portfolio diversification and risk management.

Running Head: Financial Planning
1
Project Report: Financial Planning

Financial Planning
2
Contents
Introduction.......................................................................................................................3
Stock and mutual fund......................................................................................................3
Investment level................................................................................................................6
Portfolio............................................................................................................................6
Risk and return..................................................................................................................8
Recommendation and conclusion.....................................................................................9
References.......................................................................................................................11
Appendix.........................................................................................................................12

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Introduction:
Portfolio is a group of various financial assets such as bonds, stocks, currencies,
commodities, mutual funds and cash equivalents. An investment portfolio is like a pie which
is divided into various pieces of different sizes which represents about the different assets
classes and the types of investment in order to accomplish the appropriate risk and return
portfolio (Palicka, 2011). While preparing a portfolio, the main point which must be
considered by the financial advisor is the risk bearing capability of the individual. A portfolio
must be prepared by the financial advisor through evaluating the main goal of individual
behind investing in the portfolio. If the portfolio is prepared by the individual for long term
purpose then the risk level must be lower as well as if the investment is for short term then
the risk and return both the level must be higher.
In this research paper of portfolio, 5 stocks and mutual funds have taken into the
concern to conduct the study i.e. Apple Inc, Amazon, Coca cola, McDonald and investor
mutual of Canada series Tu-NL. A portfolio calculation has done over these stocks and
mutual fund to calculate the total risk and return from this portfolio so that it could be
concluded whether the portfolio is better opportunity to invest or few changes into the stock
and mutual fund are required to improve the performance of overall portfolio of the company.
Stock and mutual fund:
In this research paper of portfolio, 5 stocks and mutual funds have taken into the
concern to conduct the study i.e. Apple Inc, Amazon, Coca cola, McDonald and investor
mutual of Canada series Tu-NL. Details of this portfolio and the stocks are as follows:
Apple: -
Apple is one of the largest multinational companies worldwide and its annual revenue
totalled $265 billion for the 2018 fiscal year. The Company's products and services include
iPhone, iPad, Mac, iPod, Apple TV and many more. Huge amount of money would be spent
on this company because its share or stock marketing will never let down in future due to the
fact that there is huge demand of Apple’s products and service worldwide. Further, the
company owns large cap. The associated risk and return of the company has been calculated
and it has been found that the associated return of the company is 2.22% whereas the beta of
the company is 0.51% which depicts that the associated risk of the company is quite lower
than the total return earned from the company. Hence, this company is a better option for the
portfolio. The total invested amount in the company is 30% of total invested amount
(Madura, 2014).
S&P10
0 Apple
Mean 0.51% 2.22%
Variance 0.02% 0.51%
Standard
Deviation 0.014 0.071
Covariance 0.000%
Beta -0.0204
(The global mail, 2019)

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Amazon:
Amazon is the world second largest company which engages in the retail sale of
consumer products globally and It also manufacture and sell electronic devices, including
kindle e-readers, fire tablets, fire TVs, and echo; and provides Kindle Direct Publishing, an
online service that allows independent authors and publishers to make their books available
in the Kindle Store. Further, the company owns large cap. The associated risk and return of
the company has been calculated and found that the associated return of the company is
2.84% whereas the beta of the company is 0.67% which depicts that the associated risk of the
company is quite lower than the total return earned from the company. Hence, this company
is a better option for the portfolio (Phillips & Stawarski, 2016). The total invested amount in
the company is 30% of total invested amount.
S&P100 Amazon
Mean 0.51% 2.84%
Variance 0.02% 0.67%
Standard
Deviation 0.014 0.082
Covariance 0.193%
Beta 0.3791
(The global mail, 2019)
Coca-Cola Company:
The Coca-Cola Company is the world's largest total beverage company, At Coca-
Cola; they are serious about making positive contribution in the world. This starts with
reducing sugar in drinks and bringing new and different drinks to people everywhere. It also
means continuously working to reduce environmental impact, creating rewarding careers for
associates, and bringing economic opportunity wherever they operate.
Further, the company owns large cap. The associated risk and return of the company
has been calculated and it has been found that the associated return of the company is 0.95%
whereas the beta of the company is 0.15% which depicts that the associated risk of the
company is quite lower as well as the return of the company is also lower (Schlichting, 2013).
Hence, this stock has chosen in this portfolio to diversify the risk level and manage the
overall performance of portfolio. In the portfolio, only 10% weight age has given to the
company.
S&P100 Coca Cola
Mean 0.51% 0.95%
Variance 0.02% 0.15%
Standard
Deviation 0.014 0.039
Covariance 0.053%
Beta 2.80978

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(The global mail, 2019)
McDonald’s:
McDonald's Corporation is the world's leading global food service retailer. The
Company operates and franchises McDonald's restaurants, which serve a locally-relevant
menu of quality food and beverages sold at various price. Also, people can get its franchise
which are owned and operated under the given structures -conventional franchise,
developmental license or affiliate.
Further, the company owns middle cap. The associated risk and return of the company
has been calculated and it has been found that the associated return of the company is 1.30%
whereas the beta of the company is 0.14% which depicts that the associated risk of the
company is lower as well as the return of the company is average. Hence, this stock has
chosen in this portfolio to diversify the risk level and manage the overall performance of
portfolio (Elton, Gruber, Brown & Goetzmann, 2009). In the portfolio, only 15% weight age
has given to the company.
S&P10
0 McDonald
Mean 0.51% 1.30%
Variance 0.02% 0.14%
Standard
Deviation 0.014 0.037
Covariance 0.078%
Beta 4.08987
(The global mail, 2019)
Investors Mutual of Canada Series Tu –NL:
The breadth and depth of the Investors Group mutual fund line ensures that clients
have the right mix of fixed income, balanced, and Canadian, U.S. and international equity
mutual funds to help them achieve their financial goals.
Lastly, the mutual fund is a market fund which owns small cap. The associated risk
and return of the company has been calculated and found that the associated return of the
mutual fund is -0.04% whereas the beta of the company is 0.1% which depicts that the
associated risk of the company is quite lower as well as the return of the company is in
negative. However, the current performance of mutual fund has improved and depicts about
better position of the company (Kinsky, 2011). In this portfolio, 15% weightage have given
to the mutual fund.
S&P10
0
Investors
Mutual of
Canada Series
Tu - NL
Mean 0.51% -0.04%
Variance 0.02% 0.01%
Standard
Deviation 0.014 0.009
Covariance 0.004%

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Beta 0.18768
(The global mail, 2019)
Investment level:
Investor has $ 1,00,000. Hence, the allocation of available resources has been done in
below way:
Revenue Earnings
per share
Profit
margin
Net
income
Amount
invested in
these stocks
Apple Inc US$265.
595
billion
$11.87 22.41% US$59.5
31
billion
$30,000
Amazon US$177.
866
billion
$16.25 1.74% US$3.03
3 billion
$30,000
Coca-Cola US$3.03
3 billion
$3.52 2.05% US$1.24
8 billion
$10,000
McDonald’
s
US$22.8
20
billion
$8 22.75% US$5.19
2 billion
$15,000
Investors
Mutual of
Canada
Series Tu -
NL
$10% 10% $15,000
(Krantz, 2016 and Kruth, 2013)
Portfolio:
The portfolio has prepared on the basis of the above table. Risk and return of each
portfolio has been calculated in order to identify whether the portfolio would be able to offer
the required return to the individual (Rose & Hudgins, 2012). The allocation of the resources
has been done on the basis of the associated risk and return of the stock. Below are the risk,
return, variances, standard deviation, covariance, weighatge etc of the stocks are as follows:
S&P10
0
Apple Amazo
n
Coca
Cola
McDonal
d
Investor
s
Mutual

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of
Canada
Series
Tu - NL
Mean 0.51% 2.22% 2.84% 0.95% 1.30% -0.04%
Variance 0.02% 0.51% 0.67% 0.15% 0.14% 0.01%
Standard
Deviation 0.014 0.071 0.082 0.039 0.037 0.009
Covariance
0.000
% 0.193% 0.053% 0.078% 0.004%
Weightage 30% 30% 10% 15% 15%
Beta
-
0.0204 0.3791
2.8097
8 4.08987 0.18768
(The global mail, 2019)
While preparing the portfolio, it is required for the financial advisor to measure the
risk and return of all the stocks so that the weighatge and selection of the stocks could be
done in better way. In this research, the selection of stock has been done for long term
invetsmen purpose. Hence, the last 10 years performance of each of the stock has been
measured and it has been figured out whether the stocks would be able to offer the expected
return for long term.
In order to prepare a less volatile and less riskier portfolio, stock of McDonald and
Coco cola has been added. These stocks have lesser associated risk as well as the return of
these stocks are also lesser. However, the main purpose behind adding these stocks in the
portfolio is to reduce the overall risk of the portfolio and manage the return of the portfolio.
In order to improve the return level of portfolio, financial advisor has suggested to
assess the stock of Apple and Amazon. Both the stocks own large capital as well as the
dividend offered by both the stocks is quite higher. So, these stocks are better option to
improve the return level of the business (Rabin, 2013). In order to investigate further, it has
been recognized that the associated risk with these stocks are quite higher because of the
higher volatility in the stock prices. Hence, the financial advisor has suggested adding the
stock of Coca cola and McDonald.
Lastly, mutual funds are combination of various securities, government stocks and
bonds. These are prepared in such a way that minimum return could be got from these stocks
with lowest risk in the market (Madura, 2011). On the basis of financial advisor, mutual fund
improves the return position and lowers the risk level of portfolio. Hence, it has been added
in the portfolio.
Through the entire study, it has been recognized that the S&P’s risk and return is
0.51% and 0.02% whereas the other stock risk is higher than the market index risk except the
mutual fund. The overall study represents that investing in one security always offers higher
risk to the investors (Chandra, 2011). Hence, it is better option for the investors to go for
portfolio rather than individual investment.

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May-2010
Feb-2011
Nov-2011
Aug-2012
May-2013
Feb-2014
Nov-2014
Aug-2015
May-2016
Feb-2017
Nov-2017
Aug-2018
-25.00%
-20.00%
-15.00%
-10.00%
-5.00%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
S&P100
Apple
Coca Cola
McDonald
Investors Mutual of Canada
Series Tu - NL
(Source: Author)
Risk and return:
Risk and return are the main factors of a business. Risk represents about the total
volatility and chances to lose the investment money in a financial security whereas the return
depicts about the additional penny which could be got by the investors through investing in
the financial securities (Madura, 2011). Measuring the risk and return of a portfolio as whole
is mandatory for the business to maintain the performance and meet the main objectives of
the individual behind investing in the portfolio (Ackert & Deaves, 2009).
In this section, the risk and return on entire portfolio has been measured so that it
becomes easier for the individual as well as the financial advisor to make a decision about the
performance of the company. Below table represents about the entire portfolio as whole:
Particulars
Apple Amazon Coca Cola McDonald Investors
Mutual of
Canada
Series Tu -
NL
Weightage 30.00% 30.00% 10.00% 15.00% 15.00%
Variance 0.02% 0.51% 0.67% 0.15% 0.14%
Weightage^2 9.00% 9.00% 1.00% 2.25% 2.25%
Variance^2 0.00% 0.00% 0.00% 0.00% 0.00%
Correlation 42.95% 14.75% 100.00% 0.00% 0.00%
Formula
w2A*σ2(RA) + w2B*σ2(RB) +w2B*σ2(RC)+
2*(wA)*(wB)*(wC)*Cov(RA, RB)
Beta 6.00%
Market Risk
Premium 7.50%
Risk Free Rate 2.83%
Portfolio
Expected Return 6.28%

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(Baker & Nofsinger, 2010 and Higgins, 2012)
On the basis of the above given table, it has been recognized that the weighatge of each
of the stock has been decided on the basis of their risk and return so that the main motto of
the portfolio i.e. getting average return for long term period could be met. The variance and
correlation of each of the stock has been calculated to identify the common beta level of each
of the stock (Porcelli & Delgado, 2009). The table of covariance analysis of the company is
as follows:
Apple Amazo
n
Coca
Cola
McDonal
d
Investor
s Mutual
of
Canada
Series
Tu - NL
Apple 1
Amazon 0.1452 1
Coca Cola
0.42947
3 0.147471 1
McDonald
0.32629
6 0.429473
0.68487
4 1
Investors Mutual of
Canada Series Tu - NL
0.14747
1 0.706411
0.78910
1 0.706411 1
(Koropp, C., Kellermanns, F. W., Grichnik, D., & Stanley, L. (2014)
On the basis of the above table, it has been recognized that the overall beta of the
portfolio is 6%. Market risk premium of the market is 7.5% as well as the risk free rate of the
market is 2.83%. On the basis of available statistics, it has been measured that the portfolio
expected return would be 6.28% which is quite higher than the S&P return. However, the
associated risk of the portfolio is also higher than the S&P. But according to various
researches, along with higher return, an individual is always required to face higher risk
(DemaMoreno, 2009).
Hence, according to the overall study, risk, return, portfolio market and various studied,
it has been recognized that this portfolio is one of the better portfolio for the long term
purpose. On the basis of overall evaluation over the portfolio, it has been recognized that the
portfolio’s performance is quite better then the market index performance. It has been
investigated that the individuals and the investors are suggested to invest into this portfolio
for long term to generate average return. Dividend amount of these stocks are also higher
which would manage the return level and the performance of the portfolio of the company
(Barnes, 2007).
However, along with these researches, it has also been measured that the risk level of
this portfolio is higher because of the higher price range then the market index. Volatility
level of the portfolio also defines that the risk could be higher but along with that the return
level of the investor is also higher. Hence, it has recommended to the investors of the
company to invest into the portfolio to meet the main goal.
Recommendation and conclusion:
To conclude, the portfolio creation in this report has been done on the basis of
calculated associated risk and return of each of the stock of the portfolio. An investment
portfolio is like a pie which is divided into various pieces of different sizes which represents

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about the different assets classes and the types of investment in order to accomplish the
appropriate risk and return portfolio. Hence, in this report, the portfolio has been prepared
along with the different nature of stocks and mutual funds. So that, the better return could be
collected from the portfolio.
Portfolio makes it easier for the individuals to select the various financial securities to
reduce the risk level and manage the return level. In this report, the stocks prices and mutual
fund performance has been compared with the S&P to calculate the performance of portfolio.
On the basis of the overall performance and study, it has been recognized that the average
return and the associated risk of the portfolio is quite lesser. On the basis of overall
evaluation over the portfolio, it has been recognized that the portfolio’s performance is quite
better then the market index performance. Investors are suggested to invest into this portfolio
for short term as well as long term to generate better profits and dividends.
However, along with these researches, it has also been measured that the risk level of
this portfolio is higher because of the higher price range then the market index. However, the
return of the portfolio is quite better. Hence, it has recommended to the investors of the
company to invest into the portfolio to meet the main goal.

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References:
Ackert, L. & Deaves, R. (2009). Behavioral Finance: Psychology, Decision-Making, &
Markets. US: Cengage Learning.
Baker, H.K. & Nofsinger, J.R. (2010). Behavioral Finance: Investors, Corporations, &
Markets. UK: John Wiley & Sons.
Barnes, P. (2007), The Analysis and Use of Financial Ratios: A Review Article, Journal of
Business Finance & Accounting, 14 (4), p. 449-461
Chandra, P. (2011). Financial management. Tata McGraw-Hill Education.
DemaMoreno, S. (2009). Behind the negotiations: Financial decision-making processes in
Spanish dual-income couples. Feminist Economics, 15(1), 27-56.
Elton, E.J., Gruber, M.J., Brown, S.J., & Goetzmann, W.N. (2009). Modern Portfolio Theory
& Investment Analysis. UK: John Wiley & Sons.
Higgins, R. C. (2012). Analysis for marketing management. McGraw-Hill/Irwin.
Kinsky, R. (2011). Charting Made Simple: A Beginner's Guide to Technical Analysis. John
Wiley & Sons.
Koropp, C., Kellermanns, F. W., Grichnik, D., & Stanley, L. (2014). Financial decision
making in family firms: An adaptation of the theory of planned behavior. Family
Business Review, 27(4), 307-327.
Krantz, M. (2016). Fundamental Analysis for Dummies. UK: John Wiley & Sons.
Kurth, S. (2013). Critical Review about Implications of the Efficient Market Hypothesis.
GRIN Verlag.
Madura, J. (2011). International financial management. US: Cengage Learning.
Madura, J. (2014). Financial Markets & Institutions. US: Cengage Learning.
Palicka, V.J. (2011). Fusion Analysis: Merging Fundamental & Technical Analysis for Risk-
Adjusted Excess Returns. McGraw Hill Professional.
Phillips, P.P. & Stawarski, C.A. (2016). Data Collection: Planning for & Collecting All
Types of Data. John Wiley & Sons.
Porcelli, A. J., & Delgado, M. R. (2009). Acute stress modulates risk taking in financial
decision making. Psychological Science, 20(3), 278-283.
Rabin, M. (2013). Risk aversion and expected-utility theory: A calibration theorem.
In Handbook of the Fundamentals of Financial Decision Making: Part I (pp. 241-252).
Rose, P. S., & Hudgins, S. C. (2012). Bank management & financial services. McGraw-Hill
Education.
Schlichting, T. (2013). Fundamental Analysis, Behavioral Finance & Technical Analysis on
the Stock Market. GRIN Verlag.
The global mail. (2019). Portfolio Creation. [Online]. Retrieved from:
https://www.theglobeandmail.com/investing/markets/funds/IGI1267.CF/performance

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Appendix:
Date S&P10
0 Apple Amazo
n
Coca
Cola
McDonal
d
Investors
Mutual of
Canada
Series Tu -
NL
May-2010 0.85% -
2.08%
-
12.91%
-
2.49% -0.67% -0.33%
Jun-2010 1.51% 2.27% 7.90% 11.83
% 5.86% 0.38%
Jul-2010 0.63% -
5.50% 5.89% 1.40% 4.78% 0.13%
Aug-2010 -0.35% 16.72
% 25.82% 4.72% 2.75% -0.52%
Sep-2010 -0.38% 6.07% 5.20% 6.38% 4.38% -0.19%
Oct-2010 1.43% 3.38% 6.16% 3.02% 0.68% -0.13%
Nov-2010 0.96% 3.67% 2.62% 5.56% -1.20% -0.10%
Dec-2010 -0.30% 5.20% -5.76% -
4.44% -4.03% -0.78%
Jan-2011 0.06% 4.09% 2.15% 1.70% 2.73% 0.16%
Feb-2011 0.21% -
1.33% 3.95% 3.79% 1.36% -0.31%
Mar-2011 -0.61% 0.46% 8.70% 3.17% 2.92% 0.01%
Apr-2011 0.07% -
0.66% 0.45% -
0.96% 4.12% -0.37%
May-2011 1.41% -
3.50% 3.97% 0.72% 4.18% 0.11%
Jun-2011 0.54% 16.33
% 8.82% 2.54% 2.56% 1.00%
Jul-2011 -0.02% -
1.45% -3.28% 3.59% 4.54% -0.74%
Aug-2011 0.19% -
0.91% 0.46% -
4.10% -2.21% 0.22%
Sep-2011 -1.43% 6.15% -1.26% 2.51% 5.73% 0.15%
Oct-2011 -0.65% -
5.58% -9.94% -
1.60% 2.88% -0.61%
Nov-2011 0.72% 5.97% -9.98% 5.60% 5.83% -0.40%
Dec-2011 1.37% 12.71
% 12.33% -
3.49% -1.28% 0.19%
Jan-2012 -0.61% 18.83
% -7.59% 3.45% 0.23% -0.11%
Feb-2012 1.58% 10.53
% 12.70% 5.94% -0.49% -0.05%
Mar-2012 0.08% -
2.60% 14.51% 4.64% -0.66% -0.70%
Apr-2012 0.68% - -8.19% - -8.32% 0.41%

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1.07% 2.08%
May-2012 1.19% 1.09% 7.25% 4.63% -0.13% 0.41%
Jun-2012 0.23% 4.58% 2.17% 4.76% 0.94% -0.05%
Jul-2012 0.85% 8.92% 6.42% -
7.43% 0.15% -0.06%
Aug-2012 1.51% 3.37% 2.44% 1.42% 3.33% 0.08%
Sep-2012 0.63%
-
10.76
%
-8.43% -
1.31% -5.40% -0.78%
Oct-2012 -0.35% -
1.69% 8.23% 1.99% 0.28% 0.52%
Nov-2012 -0.38% -
6.09% -0.47% -
3.75% 2.25% 0.16%
Dec-2012 1.43%
-
14.41
%
5.83% 2.73% 8.03% 0.06%
Jan-2013 0.96% -
3.09% -0.46% 3.97% 0.64% -0.43%
Feb-2013 -0.30% 4.52% 0.84% 4.44% 4.79% -0.10%
Mar-2013 0.06% 0.03% -4.76% 5.43% 2.46% 0.16%
Apr-2013 0.21% 1.57% 6.06% -
5.53% -5.45% -0.21%
May-2013 -0.61% -
7.58% 3.15% 0.30% 3.32% -0.22%
Jun-2013 0.07% 14.12
% 8.47% 0.62% -0.93% -0.71%
Jul-2013 1.41% 7.67% -6.72% -
4.74% -3.79% -0.27%
Aug-2013 0.54% 2.56% 11.27% -
0.79% 2.78% -0.17%
Sep-2013 -0.02% 9.64% 16.44% 5.22% 0.32% -0.59%
Oct-2013 0.19% 6.38% 8.13% 1.57% 0.88% 0.10%
Nov-2013 -1.43% 5.16% 1.31% 3.51% 0.48% 0.33%
Dec-2013 -0.65%
-
10.77
%
-
10.06%
-
8.45% -2.95% 0.20%
Jan-2014 0.72% 5.12% 0.95% 1.00% 1.04% -0.22%
Feb-2014 1.37% 6.43% -7.11% 1.20% 3.90% -0.56%
Mar-2014 -0.61% 9.94% -9.58% 6.35% 3.42% -0.36%
Apr-2014 1.58% 7.27% 2.77% 0.29% 0.05% 0.15%
May-2014 0.08% 6.92% 3.91% 3.54% 0.12% -0.28%
Jun-2014 0.68% 2.87% -3.63% -
6.55% -6.13% -0.31%
Jul-2014 1.19% 7.22% 8.32% 6.18% -0.89% -0.30%
Aug-2014 0.23% -
1.22% -4.90% 2.25% 2.92% 0.29%
Sep-2014 0.85% 7.20% -5.27% - -1.14% -0.15%

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1.11%
Oct-2014 1.51% 10.12
% 10.86% 7.04% 3.29% -0.38%
Nov-2014 0.63% -
6.79% -8.35% -
5.17% -2.36% -0.00%
Dec-2014 -0.35% 6.14% 14.24% -
2.49% -1.34% 0.64%
Jan-2015 -0.38% 9.64% 7.23% 5.17% 6.99% -0.16%
Feb-2015 1.43% -
2.75% -2.12% -
6.35% -0.62% -0.72%
Mar-2015 0.96% 0.58% 13.35% 0.85% -0.91% -0.64%
Apr-2015 -0.30% 4.10% 1.77% 0.99% -0.64% -0.29%
May-2015 0.06% -
3.32% 1.13% -
4.22% -0.04% -0.45%
Jun-2015 0.21% -
3.29% 23.51% 5.58% 5.04% 8.24%
Jul-2015 -0.61% -
6.91% -4.34% -
4.28% -2.53% -0.33%
Aug-2015 0.07% -
1.88% -0.19% 2.03% 2.12% 0.38%
Sep-2015 1.41% 8.34% 22.27% 6.47% 13.92% 0.13%
Oct-2015 0.54% -
1.00% 6.22% 0.64% 1.70% -0.52%
Nov-2015 -0.02%
-
10.64
%
1.67% 1.57% 4.30% -0.19%
Dec-2015 0.19% -
7.52%
-
13.15%
-
0.09% 4.77% -0.13%
Jan-2016 -1.43% -
0.67% -5.87% 0.49% -5.32% -0.10%
Feb-2016 -0.65% 13.33
% 7.44% 7.56% 8.06% -0.78%
Mar-2016 0.72%
-
13.99
%
11.11% -
2.67% 0.64% 0.16%
Apr-2016 1.37% 6.53% 9.58% -
0.45% -3.50% -0.31%
May-2016 -0.61% -
3.68% -0.99% 1.64% -1.41% 0.01%
Jun-2016 1.58% 9.01% 6.04% -
3.01% -1.52% -0.37%
Jul-2016 0.08% 1.81% 1.36% -
0.46% -1.69% 0.11%
Aug-2016 0.68% 7.13% 8.86% -
2.56% 0.52% 1.00%
Sep-2016 1.19% 0.43% -5.67% 1.01% -2.42% -0.74%
Oct-2016 0.23% -
2.66% -4.97% -
4.83% 5.95% 0.22%

Financial Planning
15
Nov-2016 0.85% 5.33% 2.41% 4.97% 2.85% 0.15%
Dec-2016 1.51% 4.77% 7.13% -
1.02% 0.70% -0.61%
Jan-2017 0.63% 12.89
% 2.62% 0.94% 4.14% -0.40%
Feb-2017 -0.35% 5.32% 4.91% 1.14% 2.28% 0.19%
Mar-2017 -0.38% -
0.01% 4.34% 2.57% 7.96% -0.11%
Apr-2017 1.43% 6.34% 7.53% 5.38% 7.83% -0.05%
May-2017 0.96% -
5.33% -2.68% -
1.36% 1.50% -0.70%
Jun-2017 -0.30% 3.27% 2.04% 3.05% 1.93% 0.41%
Jul-2017 0.06% 10.27
% -0.73% -
0.63% 3.11% 0.41%
Aug-2017 0.21% -
5.66% -1.96% -
1.19% -1.48% -0.05%
Sep-2017 -0.61% 9.68% 14.97% 2.97% 6.53% -0.06%
Oct-2017 0.07% 1.66% 6.47% -
0.46% 3.03% 0.08%
Nov-2017 1.41% -
1.17% -0.62% 1.06% 0.68% -0.78%
Dec-2017 0.54% -
1.06% 24.06% 3.73% -0.57% 0.52%
Jan-2018 -0.02% 6.38% 4.24% -
9.18% -7.83% 0.16%
Feb-2018 0.19% -
5.42% -4.30% 0.49% -0.24% 0.06%
Mar-2018 -1.43% -
1.50% 8.21% 0.37% 7.07% -0.43%
Apr-2018 -0.65% 13.08
% 4.05% -
0.49% -4.44% -0.10%
May-2018 0.72% -
0.56% 4.31% 2.00% -2.07% 0.16%
Jun-2018 1.37% 2.80% 4.57% 7.26% 1.18% -0.21%
Jul-2018 -0.61% 19.62
% 13.24% -
4.42% 2.98% -0.22%
Aug-2018 1.58% -
0.48% -0.48% 3.63% 3.76% -0.71%
Sep-2018 0.08% -
3.05%
-
20.22% 4.54% 5.74% -0.27%
Oct-2018 0.68%
-
18.40
%
5.77% 5.26% 6.56% -0.17%
Nov-2018 1.19%
-
11.36
%
-
11.13%
-
5.31% -5.22% -0.59%
Dec-2018 0.23% 5.52% 14.43% 1.65% 0.68% 0.10%
Jan-2019 9.11% 4.03% -4.59% - 2.83% 0.33%

Financial Planning
16
5.80%
Feb-2019 3.65% 10.17
% 8.59% 3.35% 3.95% 0.20%
Mar-2019 -2.35% 5.62% 3.74% 0.40% -0.36% -0.22%
Apr-2019 7.25% 0.00% 0.00% 0.00% 0.00% 0.00%