Professional Documents
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As of 09/30/13
Brokerage
Mutual Funds Only
Inc o
4.43% 6.06% -
12.01% 8.56% -
A gg
Conservative Income
Conservative Growth
Aggressive Growth
6.32% 6.52% 6.34% 2.87% 6.11% 4.28% 1.74% 6.00% Core -0.67% 1..07%
9.24% 11.72% 9.64% 10.55% 10.31% 9.07% 8.55% 10.36% 9.20% 13.27% 8.75% 9.79% 11.13% Plus -1.80% -1.64%
11.86% 16.14% 15.21% 15.00% 8.07% 12.71% 13.29% 13.37% 12.62% 16.09% 13.69% 15.58% 11.75% -
14.17% 18.85% 15.00% 18.26% 9.91% 14.81% Internal Exp. Ratio 0.96% 0.85%
Tactical Management
Medallion Brokerage Nationwide Market Flex
Returns of CFD managed accounts above are net of all expenses: internal investment expenses, management fees, custodial fees, rider fees, ticket charges, etc. Average returns above are from actual managed accounts, excluding accounts that contributed or took distributions in current year. Please see page two for descriptions of the platforms, strategies, investment objectives, etc. of the preceding information. Creative Financial Designs, Inc. provides many investment and strategy options for you and your clients. CFD can even help you market your preferences to the group you want to work with. Check out the RIA Virtual Oce for more information or call Kregg Rooze at 800.745.7776.
Conservative Income
Aggressive Growth
10% Cash 70% Bonds 15% Domestic Equities 5% International Equities Avg. 1993-2012 = 5.09% Standard Deviation = 6.16 Highest Year-1995 = 18.20% Lowest Year-2008 = -11.15% Years Positive = 17 Years with a Loss = 3
10% Cash 45% Bonds 35% Domestic Equities 10% International Equities Avg. 1993-2012 = 5.52% Standard Deviation = 9.32 Highest Year-1995 = 20.87% Lowest Year-2008 = -20.53% Years Positive = 16 Years with a Loss = 4
5% Cash 35% Bonds 50% Domestic Equities 10% International Equities Avg. 1993-2012 = 5.81% Standard Deviation = 12.76 Highest Year-1991 = 25.23% Lowest Year-2008 = -27.95% Years Positive = 14 Years with a Loss = 6
0% Cash 25% Bonds 60% Domestic Equities 15% International Equities Avg. 1993-2012 = 7.02% Standard Deviation = 17.05 Highest Year-1999 = 35.63% Lowest Year-2008 = -35.22 Years Positive = 14 Years with a Loss = 6
0% Cash 5% Bonds 75% Domestic Equities 20% International Equities Avg. 1993-2012 = 5.69% Standard Deviation = 18.50 Highest Year- 2009 - 33.22% Lowest Year-2008 = -40.85% Years Positive = 14 Years with a Loss = 6
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Inc o
Gro w
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BrokerageManagement
The Brokerage Management platform allows your brokerage account to be managed by the Creative Financial Designs investment team. Not only will you and your adviser discuss and determine your appropriate risk tolerance, but you will have the option to determine which type of investment vehicles and clearing rm you would like to use. This platform oers a lot of options for your managed brokerage account and your nancial adviser will be with you all the way.
Self-Directed Retirement
The Self-Directed Retirement Advisory platform oers the services of professional investment management for all clients with 401(k)s, 403(b)s, 457, and other self-directed company retirement plans. The Creative Financial Designs management team will research, allocate, and monitor your current retirement plan within the available investment choices so you can relax and focus on your needs and passions.
Creative Financial Designs has partnered with multiple variable annuity companies to oer professional investment management using the available investment products and services. The 3rd Party Variable Annuity Creative Financial Designs has partnered with multiple variable annuity companies to oer professional platform allows you and your adviser to select the company that best ts investment management using the available investment products and services. The 3rd Party Variable Annuity your needs. The CFD management team will manage your investment platform allows you and your adviser to select the company that best ts your needs. Our team will manage your choices to help you reach your investment goals. investment choices to help you reach your investment goals.
The third quarter of 2013 proved to be a protable quarter across most equities as the vast majority of indices gained ground. For the quarter the S&P 500 Index was up 5.24%, pushing its gains up to 19.7% year to date. The strong push for 2013 continued as a result of fundamental economic strength and the decisions by the Federal Reserve to not yet taper the quantitative easing (QE) strategy. It was not all good news as broad market bonds continued their weak showing in 2013, however, some did post gains for this 3rd quarter. For the year the Barclays US Aggregate Bond Index is still negative at -1.89%. Looking at the broad market indices and investment categories, bonds continue to be our chief area of concern. The Federal Reserve announcements of QE reduction or elimination could continue to create short-term losses in certain bond areas. Other concerns that immediately loom are the potential for a government shutdown over the debt ceiling limits. We do expect volatility to increase as a result of these issues for the 4th quarter and probably into the 1st quarter of 2014; however, market fundamentals currently appear to be strong.
DJIA 17.64% S&P 500 S&P 500/Value S&P 500/Growth Russell Mid Cap Russell 2000 BarCap US Agg Bond BarCap US Corp. High Yield MSCI World Ex US NASDAQ Composite Tamarack Prime MM (30 day ave.) 19.79% 18.00% 17.82% 24.34% 27.69% -1.89% 3.79% 14.66% 24.90% 0.07%
*The indices returns do not take into consideration any fees associated with purchasing or holding market securities inside a brokerage or VA contract. Fees would exist if purchasing and would in hand bring down the respective returns. These indices are a point of reference and may not be suitable for your portfolio or even as a comparison to your risk tolerance.
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www.creativefinancialdesigns.com
Advisory services are provided through Creative Financial Designs, Inc., Registered Investment Adviser. 2704 South Goyer Road, Kokomo, IN 46902 765.453.9600