The IFA Index Calculator

84.08 Years (1009 months) of 140 Index Portfolios; and 20 IFA Indexes
141,260 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 should be reviewed by an Index Funds 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, what we call Buy and Glide. When you check the box in front of "Glide Path," all data is adjusted by a one Index Portfolio adjustment down in risk per year over the period specified. IFA considers this risk reduction appropriate as investors get older. To put your IFA Index Portfolio on a Glide Path call IFA at 888-643-3133 and ask for an advisor.

1. Select an:
IFA Index Portfolio: Glide Path (Reduces risk one Index Portfolio each year.)
IFA SRI Index Portfolio: Socially Responsible Investing
IFA EC Index Portfolio: Environmentally Conscious
 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:
1When 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. 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 click and read this button: .

2After-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.

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

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

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 Backtested Performance Info
 

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WARNING: Past performance does not guarantee future results. Investment returns and principal value will fluctuate, so that investors' shares, when sold, may be worth more or less than their original cost. Investing in any mutual fund, index or actively managed, does not guarantee that an investor will make money, avoid losing capital, or indicate that the investment is risk-free. Actively managed funds sometimes outperform index funds. You just don't know in advance which actively managed fund will outperform the appropriate index. Just because a mutual fund is an index mutual fund, it does not guarantee a performance superior to an actively managed mutual fund. There are no absolute guarantees in investing. When reviewing any backtested performance information on this internet site, please read the Disclosure for Backtested Performance Information (click here to read the Disclosure for Backtested Performance Information.) For a copy of the Index Funds Advisors, Inc. Privacy Policy, click here.

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