Wilshire Associates Incorporated (“Wilshire”) has a deep heritage of advising its clients on the use of alternatives in an effort to enhance holistic portfolio solutions:
There is no guarantee that any of the Portfolio Objectives will be met.
*Inception date: May 8, 2009.
**Wilshire Diversified Alternatives Portfolio Primary Benchmark: Wilshire Liquid Alternatives Index.
Information Regarding Performance Data
The performance results above should be reviewed in the context of the markets applicable to the investment strategies noted. All returns for periods greater than one year are annualized. Performance results are based on model portfolios maintained by Wilshire Funds Management (WFM). The models have been maintained in such a way as to record transactions at the same time they occur in actual client accounts in an attempt to approximate client returns as closely as possible. However, there are certain limitations in model performance as the model results may not completely represent the actual trading of securities in a client account. The results reflect reinvestment of all dividends and interest. Performance results reflect the deduction of the maximum Strategist Fee of 0.29% that WFM charges for the Wilshire Diversified Alternatives Portfolio. However, actual client results will be lower based on the imposition of platform fees, advisory fees, and custodial fees by third-party firms. As with all investments, there is no guarantee that the investment strategy will be successful and investors should be aware that investments can lose money, including principal, so that an investor could end up with less money than was invested. Past performance does not guarantee future returns, and processes used may not achieve the desired results.
This material is for information purposes only. WFM is a business unit of Wilshire Associates. WFM delivers Wilshire Advisor Solutions, which include models designed to provide a broad range of outcome-oriented investment portfolios for advisors to use with their clients.
Investments in equities are subject to market risk so that shares, when redeemed, may be worth more or less than their original cost. Security prices can fluctuate significantly in the short term or over extended periods of time. These price fluctuations may result from factors affecting individual companies, industries, or the securities market as a whole. Investments in small-cap stocks may be subject to a higher degree of market risk than large-cap stocks, or more established companies’ securities. Furthermore, the illiquidity of the small-cap market may adversely affect the value of an investment. Investments in bonds are subject to interest rate, inflation, credit, currency, and sovereign risks. Investments in high-yield bonds are subject to greater credit risk and price fluctuations than higher-quality issues. Investments in international securities involve additional risks including currency rate fluctuations, political and economic instability, differences in financial reporting standards, and less stringent regulation of securities markets.
An alternative investments strategy is subject to a number of risks and is not suitable for all investors. Investing in alternative investments is only intended for experienced and sophisticated investors who are willing to bear the high economic risk associated with such an investment. Investments in commodities and commodity-linked securities may be affected by overall market movements and other factors that affect the value of a particular industry or commodity, such as weather, disease, embargoes, or political and regulatory developments.
It is not possible to invest directly in an index. The indices do not represent an investment. Index returns do not reflect payment of certain sales charges or fees an investor may pay to purchase the securities underlying the Index or investment vehicles intended to track the performance of the Index. The imposition of these fees and charges would cause actual performance of the securities/vehicles to be lower than the Index performance shown.
Model portfolios are exposed to the specific risks of the underlying funds in direct proportion to their percentage allocation. The funds comprising the models and the allocations to those funds have changed over time and may change in the future.
Diversification and asset allocation do not guarantee a profit, nor do they protect against loss, including the loss of principal.
Standard Deviation: A statistical measurement shedding light on historical volatility. For example, a volatile stock will have a high standard deviation while the deviation of a more stable stock will be lower.
Beta: A measure of volatility or systematic risk, of a security or a portfolio in comparison to the market as a whole. A Beta of 1 indicates that the portfolio’s value will move with the market. A beta of less than 1 means that the portfolio’s value will be less volatile than the market.
Wilshire® is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks, and/or service marks are the property of their respective holders
© 2018 Wilshire Associates Incorporated. All rights reserved. Information in this document is subject to change without notice.
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To learn more about these portfolios, please have your financial advisor contact us.
This information is for information purposes only. This information represents the current opinion of the firm. Information herein which has been obtained from third parties are based on sources believed to be reliable. Wilshire Funds Management does not represent that such information it is accurate. Statistical data contained herein are as of the dates noted and such information should not be relied on or be the basis for an investment decision. Past performance is no guarantee of future results. Investing involves risk including loss of principal.