The IFA Index Calculator

86.58 Years (1,039 months) of 240 Index Portfolios; and 20 IFA Indexes
249,360 Monthly Returns - A Worldwide Exclusive - Only at IFA.

Compare the past risk and return of your current investments to the IFA Individualized Index Portfolio recommended at the end of your Risk Capacity Survey, the S&P 500 Simulated Index, or 20 other IFA indexes. The Index Portfolio recommended at the end of your survey would be an approximate benchmark of your risk and return.

Your Risk Capacity Survey results will be reviewed by an IFA advisor.

If you have month to month data over a time period where you had no cash inflows or outflows, you can compare the annual returns, standard deviations and ending dollar values of your investments to a risk-appropriate Index Portfolio over a similar time period by filling in the data below. If you have access to other index (ETF or mutual fund) or actively managed fund data, you can compare those to the IFA indexes. Twenty years is the minimum period for meaningful comparisons.

You may also look at long-term data with a Glide Path risk adjustment over time, also referred to as Buy and Glide. When you check the box in front of "Glide Path", data is adjusted to reflect the annual shift down to one index portfolio of lower risk over the time period specified. IFA considers this risk reduction appropriate as investors age. To put your IFA Index Portfolio on a Glide Path, call IFA at 888-643-3133 and ask for an investment advisor.

1. Select an:
New IFA Index Portfolio: Glide Path (Reduces risk one Index Portfolio each year.)
Add 10 to the old Index Portfolio number
IFA SRI Index Portfolio:    Faith Based Investing
IFA SUS Index Portfolio:    Sustainable
Old IFA Index Portfolio: Glide Path (Reduces risk one Index Portfolio each year.)
 IFA Index1  

2. Select a date range From:   To:

3. Enter Beginning Value: $

4. Inflation and/or Tax Adjustment


5. Select an annual by3:
% Rule takes 4.5% of initial balance and adjusts that amount for inflation over the period (Max is 10%).
Percentage (Max is 25%)      % (No adjustment for inflation).
  
Dollar Amount $ 
Note: The returns shown below will reflect the impact of percentage additions or withdrawals only, not dollar amount addition or withdrawals. However, growth of dollar amount does reflect dollar addition or withdrawals.

6. Chart Options
View Data


7. Click to

 
Chart Data

Color Button Legend for 20 IFA Index Portfolios and 20 IFA Indexes (click on buttons for definitions)
Portfolio 100 : Bright Red - Bright Red Portfolio 80 : Purple - Purple Portfolio 60 : Green - Green Portfolio 40 : Aqua - Aqua Portfolio 20 : Light Turquoise - Light Turquoise
Portfolio 90 : Gold - Gold Portfolio 70 : Dark Teal - Dark Teal Portfolio 50 : Sea Green - Sea Green Portfolio 30 : Pale Blue - Pale Blue Portfolio 10 : Light Yellow - Light Yellow

IFA U.S. Large Company Index - IFA U.S. Large Company Index IFA Real Estate Securities Index - IFA Real Estate Securities Index IFA Emerging Index - IFA Emerging Markets Index IFA 2 Yr Global Fixed Income Index - IFA 2 Yr Global Fixed Income Index IFA Total Market Index - IFA Total Market Index
IFA U.S. Large Value Index - IFA U.S. Large Value Index IFA Internation Value Index - IFA Int'l Value Index IFA Emerging Markets Index - IFA Emerging Markets
Value Index
IFA Short Term Government Index - IFA Short Term Government Index IFA Large Growth Index - IFA Large Growth Index
IFA U.S. Small Company Index - IFA U.S. Small Company Index IFA International Small Company Index - IFA Int'll Small Company Index IFA Emerging Small Cap Index - IFA Emerging Small Cap Index IFA 5 Yr Global Fixed Income Index - IFA 5 Yr Global Fixed Income Index IFA Small Growth Index - IFA Small Growth Index
IFA U.S. Small Cap Value Index - IFA U.S. Small Cap Value Index IFA International Small Cap Value Index - IFA Int'l Small Cap Value Index IFA 1 Yr Fixed Income Index - IFA 1 Yr Fixed Income Index  Simulated S&P 500 -IFASimSP500 Index   NSDQ - IFA-NSDQ Index
IFA U.S. Micro Cap Index - IFA U.S. Micro Cap Company Index        

FOOTNOTES:

1 When IFA Indexes are shown in IFA Index Portfolios, all returns data reflects a deduction of 0.9% annual investment advisory fee, which is the maximum IFA fee. Your fee may be less depending on assets under management at IFA. Fee reductions can be reflected in the calculator by selecting "Addition" in the drop down menu in Section 5, and setting the Percentage amount to the difference from 0.9%. So a fee of 0.8% could be calculated by adding 0.1%. Unless indicated otherwise, data shown for each individual IFA Index is shown without a deduction of the IFA advisory fee. We choose this method because the creation, choice, monitoring and rebalancing of diversified index portfolios are the services of the independent investment advisor and at that point the fees are appropriate to deduct from the whole portfolio returns. Since we accept no fees from investment product firms, IFA compares index funds based on net asset value returns, which are net of the mutual fund company expense ratios only.

The annualized standard deviation number is presented as an approximation by multiplying the monthly standard deviation by the square root of twelve (3.464), the number of periods in a year. Note that the standard deviation computed from annual data may differ materially from this estimate. Returns of the twenty IFA Index Portfolios are shown net of IFA and DFA fees, and returns of the fifteen IFA indexes are shown net of DFA fees only. IFA Indexes have been constucted net of typical mutual fund fees. Backtested performance is hypothetical (it does not reflect trading in actual accounts) and is provided for informational purposes to indicate historical performance had the Index Portfolios been available over the relevant period. IFA did not offer the Index Portfolios until November 1999. For a complete explanation of backtested performance, please visit www.ifabt.com/ .

2 After-tax returns are net of federal taxes only, and they exclude the impact of capital gains resulting from liquidation and rebalancing. Where possible, the after-tax returns supplied by DFA for the standard (non-tax-managed) funds are shown. These returns can be materially different from actual after-tax returns experienced by clients with tax-managed funds. The primary purpose of having this data on the returns calculator is to facilitate an estimate of the impact of federal taxes on returns. For periods prior to the existence of the DFA mutual funds, the pre-tax returns of the IFA Indexes with an estimated adjustment for the impact of taxes are used. A 35% rate is applied to distributions of interest income and short-term capital gains. A 15% rate is applied to distributions of qualified dividends and long-term capital gains. After-tax returns are not available for the first 11 months of current year, because the majority of the tax impact occurs in December, due to capital gains and dividend distributions.

3 Both percentage and dollar amount addition or withdrawals are assumed to occur monthly at the end of each month.

4 IFA Index and Index Portfolio data based on starting value of one, as of Jan 1, 1928 using 0.90% Advisory Fees. Sources and Disclosures: ifabt.com, dfaus.com & yahoo.com.

5 When inflation-adjusted returns or cash flows are utilized. Actual CPI data for recent months may not yet be available. If so, then the CPI change for the most recent month of actual data will be replicated to subsequent months.

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