Wilshire Global ETF Allocation Portfolios

The Wilshire Global ETF Alocation Portfolios are a suite of six risked-based, strategic asset allocation portfolios investing in exchange traded funds (ETFs).

  • Risk-based, multi-asset class portfolios—Wilshire develops forward-looking, strategic forecasts based on proprietary institutional data to determine the asset allocation policy.
  • Dynamic management—Wilshire dynamically tilts the Portfolios, emphasizing assets and strategies that appear to be attractive and undervalued and de-emphasizing assets and strategies that are not.
  • Use of exchange traded funds–—The utilization of ETFs allows the Portfolios to maintain a low cost, tax-efficient structure.

 
 

*Inception date: January 1, 2008
**Conservative Custom Benchmark: 73% Bloomberg Barclays Capital U.S. Universal Index, 19% Wilshire 5000 Total Market Index, 4% MSCI ACWI ex U.S. IMI Index, 2% Wilshire Global Real Estate Securities Index, 2% FTSE 3-Month U.S. T-Bill Index.
Custom benchmark has been adjusted to reflect asset class changes to the portfolio

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%. 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 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.

 

*Inception date: January 1, 2008
**Moderate Conservative Custom Benchmark: 58% Bloomberg Barclays Capital U.S. Universal Index, 28% Wilshire 5000 Total Market Index, 10% MSCI ACWI ex U.S. IMI Index, 2% Wilshire Global Real Estate Securities Index, 2% FTSE 3-Month U.S. T-Bill Index.
Custom benchmark has been adjusted to reflect asset class changes to the portfolio

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%. 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 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.

 

*Inception date: January 1, 2008
**Moderate Custom Benchmark: 43% Bloomberg Barclays Capital U.S. Universal Index, 34% Wilshire 5000 Total Market Index, 18% MSCI ACWI ex U.S. IMI Index, 3% Wilshire Global Real Estate Securities Index, 2% FTSE 3-Month U.S. T-Bill Index.
Custom benchmark has been adjusted to reflect asset class changes to the portfolio

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%. 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 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.

 

*Inception date: January 1, 2008
**Moderate Growth Custom Benchmark: 28% Bloomberg Barclays Capital U.S. Universal Index, 41% Wilshire 5000 Total Market Index, 25% MSCI ACWI ex U.S. IMI Index, 4% Wilshire Global Real Estate Securities Index, 2% FTSE 3-Month U.S. T-Bill Index.
Custom benchmark has been adjusted to reflect asset class changes to the portfolio

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%. 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 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.

 

*Inception date: January 1, 2008
**Growth Custom Benchmark: 13% Bloomberg Barclays Capital U.S. Universal Index, 48% Wilshire 5000 Total Market Index, 31% MSCI ACWI ex U.S. IMI Index, 6% Wilshire Global Real Estate Securities Index, 2% FTSE 3-Month U.S. T-Bill Index.
Custom benchmark has been adjusted to reflect asset class changes to the portfolio

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%. 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 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.

 

*Inception date: January 1, 2008
**Aggressive Growth Custom Benchmark: 56% Wilshire 5000 Total Market Index, 42% MSCI ACWI ex U.S. IMI Index, 2% FTSE 3-Month U.S. T-Bill Index.
Custom benchmark has been adjusted to reflect asset class changes to the portfolio

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%. 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 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 Global ETF Allocation 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 Vanguard S&P 500 ETF VOO Large Blend
  Vanguard Growth ETF VUG Large Growth
  Vanguard Value ETF VTV Large Value
  Vanguard Extended Market ETF VXF Small/Mid Cap Blend
International Vanguard FTSE Developed Markets ETF VEA Foreign Large Blend
  Vanguard Total Intl Stock Index Admiral VTIAX Foreign Large Blend
  Vanguard FTSE Emerging Markets ETF VWO Emerging Markets
Fixed Income Vanguard Total Bond Market ETF BND Intermediate Term Bond
  Vanguard Intermediate Term Corp Bond ETF VCIT Intermediate Term Bond
  Vanguard Total International Bond ETF BNDX Non U.S. Bond
  VanEck Vectors JP Morgan EMLC Bd ETF EMLC Emerging Markets Bond
  SPDR Barclays Capital High Yield Bond JNK High Yield
  Cash n/a Cash/Cash Equivalents
Real Assets iShares Global REIT ETF REET Real Estate
 

 

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. Investments in high-yield bonds, often called “junk 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. In addition, the risks of investing in emerging market securities are greater than those of investing in securities of developed foreign countries.

Risks of investing in real estate securities are similar to those associated with direct investments in real estate, including lack of liquidity, limited diversification, sensitivity to certain economic factors such as interest rate changes and market recessions, and falling property values due to increasing vacancies or declining rents resulting from economic, legal, political or technological developments. 

Model portfolios are exposed to the specific risks of the underlying ETFs in direct proportion to their percentage allocation. The ETFs comprising the models and the allocations to those ETFs 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.

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. 

Copyright © 2019 Wilshire Associates Incorporated. All rights reserved. Information in this document is subject to change without notice.

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