Wilshire ESG Portfolios

The Wilshire ESG Portfolios are a suite of six risk-based, strategic asset allocation portfolios investing in mutual funds and exchange traded funds (ETFs) with a focus on environmental, social, and governmental priorities.

  • Risk-based, multi-asset class portfolios—Wilshire develops forward-looking, strategic forecasts based on proprietary institutional data to determine the asset allocation policy.
  • Active mutual fund/passive index fund structure—Actively managed Mutual Funds are paired with third party index funds to control risk and cost.
  • Institutional investment managers—The Portfolios provide access to high conviction Environmental, Social, and Governance (ESG) investment managers selected by Wilshire’s Manager Research Group.

 
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*Inception date: January 30, 2020
**Conservative Custom Benchmark: 73% Barclays Capital U.S. Universal Index, 20% Wilshire 5000 Total Market Index, 5% MSCI ACWI ex U.S. IMI Index, 2% Citi 3-month U.S. T-bill Index

Information Regarding Performance Data
The performance results above should be reviewed in the context of the markets applicable to the investment strategies noted. There are certain limitations in model performance as the model results will not completely represent the actual trading of securities in a client account. Performance results reflect the deduction of the maximum Strategist Fee of 0.15%. Actual client results will be lower based on the imposition of platform fees, advisory fees, transaction fees and custodial fees by third party firms. Due to differences in share classes and platform restrictions preventing the use of some securities, such as exchange-traded funds, Wilshire’s preferred allocation may not be available on all platforms. When a specific security or financial instrument is unavailable, Wilshire will use a substitute security that is suitable in the context of the portfolio’s stated investment objective. The results reflect reinvestment of all dividends and interest. All returns for periods greater than one year are annualized. 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 is not indicative of future results, and processes used may not achieve the desired results. It is not possible to invest directly in an index. 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.

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*Inception date: January 30, 2020
**Moderate Conservative Custom Benchmark: 58% Barclays Capital U.S. Universal Index, 29% Wilshire 5000 Total Market Index, 11% MSCI ACWI ex U.S. IMI Index, 2% Citi 3-month U.S. T-bill Index

Information Regarding Performance Data
The performance results above should be reviewed in the context of the markets applicable to the investment strategies noted. There are certain limitations in model performance as the model results will not completely represent the actual trading of securities in a client account. Performance results reflect the deduction of the maximum Strategist Fee of 0.15%. Actual client results will be lower based on the imposition of platform fees, advisory fees, transaction fees and custodial fees by third party firms. Due to differences in share classes and platform restrictions preventing the use of some securities, such as exchange-traded funds, Wilshire’s preferred allocation may not be available on all platforms. When a specific security or financial instrument is unavailable, Wilshire will use a substitute security that is suitable in the context of the portfolio’s stated investment objective. The results reflect reinvestment of all dividends and interest. All returns for periods greater than one year are annualized. 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 is not indicative of future results, and processes used may not achieve the desired results. It is not possible to invest directly in an index. 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.

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*Inception date: January 30, 2020
**Moderate Custom Benchmark: 43% Barclays Capital U.S. Universal Index, 37% Wilshire 5000 Total Market Index, 18% MSCI ACWI ex U.S. IMI Index, 2% Citi 3-month U.S. T-bill Index

Information Regarding Performance Data
The performance results above should be reviewed in the context of the markets applicable to the investment strategies noted. There are certain limitations in model performance as the model results will not completely represent the actual trading of securities in a client account. The results reflect reinvestment of all dividends and interest. All returns for periods greater than one year are annualized. Performance results reflect the deduction of the maximum Strategist Fee of 0.15%. Actual client results will be lower based on the imposition of platform fees, advisory fees, transaction fees and custodial fees by third party firms. Due to differences in share classes and platform restrictions preventing the use of some securities, such as exchange-traded funds, Wilshire’s preferred allocation may not be available on all platforms. When a specific security or financial instrument is unavailable, Wilshire will use a substitute security that is suitable in the context of the portfolio’s stated investment objective. 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 is not indicative of future results, and processes used may not achieve the desired results. It is not possible to invest directly in an index. 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.

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*Inception date: January 30, 2020
**Moderate Growth Custom Benchmark: 28% Barclays Capital U.S. Universal Index, 44% Wilshire 5000 Total Market Index, 26% MSCI ACWI ex U.S. IMI Index, 2% Citi 3-month U.S. T-bill Index

Information Regarding Performance Data
The performance results above should be reviewed in the context of the markets applicable to the investment strategies noted. There are certain limitations in model performance as the model results will not completely represent the actual trading of securities in a client account. The results reflect reinvestment of all dividends and interest. All returns for periods greater than one year are annualized. Performance results reflect the deduction of the maximum Strategist Fee of 0.15%. Actual client results will be lower based on the imposition of platform fees, advisory fees, transaction fees and custodial fees by third party firms. Due to differences in share classes and platform restrictions preventing the use of some securities, such as exchange-traded funds, Wilshire’s preferred allocation may not be available on all platforms. When a specific security or financial instrument is unavailable, Wilshire will use a substitute security that is suitable in the context of the portfolio’s stated investment objective. 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 is not indicative of future results, and processes used may not achieve the desired results. It is not possible to invest directly in an index. 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.

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*Inception date: January 30, 2020
**Aggressive Growth Custom Benchmark: 56% Wilshire 5000 Total Market Index, 42% MSCI ACWI ex U.S. IMI Index, 2% Citi 3 Month T-Bill Index

Information Regarding Performance Data
The performance results above should be reviewed in the context of the markets applicable to the investment strategies noted. There are certain limitations in model performance as the model results will not completely represent the actual trading of securities in a client account. The results reflect reinvestment of all dividends and interest. All returns for periods greater than one year are annualized. Performance results reflect the deduction of the maximum Strategist Fee of 0.15%. Actual client results will be lower based on the imposition of platform fees, advisory fees, transaction fees and custodial fees by third party firms. Due to differences in share classes and platform restrictions preventing the use of some securities, such as exchange-traded funds, Wilshire’s preferred allocation may not be available on all platforms. When a specific security or financial instrument is unavailable, Wilshire will use a substitute security that is suitable in the context of the portfolio’s stated investment objective. 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 is not indicative of future results, and processes used may not achieve the desired results. It is not possible to invest directly in an index. 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.


The graph above charts the Wilshire ESG Portfolios from least risk/return potential (far left) to greatest risk/return potential (far right). Diversification and asset allocation do not guarantee a profit, nor do they protect against loss, including the loss of principal.

 

    Ticker Category
U.S. Equity iShares ESG MSCI USA Leaders ETF SUSL Large Blend
  ClearBridge Dividend Strategy ESG ETF YLDE Large Blend
  Brown Advisory Sustainable Growth I BAFWX Large Growth
  Walden Midcap WAMFX Mid Cap Blend
  iShares ESG MSCI USA Small‐Cap ETF ESML Small Blend
  Boston Trust Walden Small Cap BOSOX Small Blend
International Equity DFA Intl Sustainability Core 1 DFSPX Foreign Large Blend
  iShares ESG MSCI EAFE ETF ESGD Foreign Large Blend
  DFA Em Mkts Sustnby Cor 1 Instl DESIX Emerging Markets
  iShares ESG MSCI EM ETF ESGE Emerging Markets
Fixed Income iShares ESG 1‐5 Year USD Corp Bd ETF SUSB Short Term Bond
  TIAA‐CREF Core Impact Bond Advisor TSBHX Intermediate Term Bond
  iShares ESG U.S. Aggregate Bond ETF EAGG Intermediate Term Bond
  iShares ESG USD Corporate Bond ETF SUSC Corporate Bond
  Cash n/a Cash/Cash Equivalents

 

Important Information
This material is for information purposes only. Wilshire Associates uses mathematical and statistical investment processes to allocate assets, select managers and construct portfolios and funds in ways that seek to outperform their specific benchmarks. Past performance is not indicative of future results.

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. Fixed income securities with credit ratings below BBB are considered to be “high yield securities,” sometimes called “junk bonds,” and carry increased risks of price volatility, illiquidity, and the possibility of default in the timely payment of interest and principal. 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. In addition, the risks of investing in emerging market securities are greater than those of investing in securities of developed foreign countries.

Model portfolios are exposed to the specific risks of the underlying funds in direct proportion to their percentage allocation. The ETFs and funds comprising the models and the allocations to those funds have changed over time and may change in the future.

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.

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