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    Goals Survey Summary

    by Benjamin Felix

    Generating relevant objectives based on values, information, and knowledge is a necessary part of any decision. While it is common for financial planners to assist their clients in meeting their objectives, people are empirically deficient at identifying what their objectives are.

    We conducted a survey where we collected responses from listeners of the Rational Reminder podcast, clients of PWL Capital, and the public for the period March through August 2022.

    Respondents took, on average, 49 minutes to complete the survey and we collected 310 full responses. The majority of respondents were aged 25-34 (138) and 35-44 (96). In total, we collected 2,394 individual objectives.

    Our detailed findings are documented in this paper.

    Model Portfolio

    For illustration purposes only. Actual client portfolios may differ. As of September 30, 2022.

    • Model Portfolio Performance 40% Stocks - 60% Bonds
      YTD Return -11.76%
      1-Year Total Return -9.92%
      3-Year Annualized Return 1.04%
      5-Year Annualized Return 2.00%
      10-Year Annualized Return 4.13%
      20-Year Annualized Return 5.08%
      Worst Drawdown (05/2007-02/2009) -18.90%
      Drawdown - Time to Recovery (from the bottom) 11 months
      20-Year Annualized Standard Deviation 5.67%
    • Model Portfolio Performance 50% Stocks - 50% Bonds
      YTD Return -12.35%
      1-Year Total Return -9.85%
      3-Year Annualized Return 1.87%
      5-Year Annualized Return 2.59%
      10-Year Annualized Return 4.90%
      20-Year Annualized Return 5.65%
      Worst Drawdown (05/2007-02/2009) -24.70%
      Drawdown - Time to Recovery (from the bottom) 14 months
      20-Year Annualized Standard Deviation 6.88%
    • Model Portfolio Performance 60% Stocks - 40% Bonds
      YTD Return -12.91%
      1-Year Total Return -9.76%
      3-Year Annualized Return 2.64%
      5-Year Annualized Return 3.09%
      10-Year Annualized Return 5.68%
      20-Year Annualized Return 6.22%
      Worst Drawdown (05/2007-02/2009) -30.10%
      Drawdown - Time to Recovery (from the bottom) 20 months
      20-Year Annualized Standard Deviation 8.08%
    • Model Portfolio Performance 70% Stocks - 30% Bonds
      YTD Return -13.38%
      1-Year Total Return -9.58%
      3-Year Annualized Return 3.39%
      5-Year Annualized Return 3.57%
      10-Year Annualized Return 6.48%
      20-Year Annualized Return 6.77%
      Worst Drawdown (05/2007-02/2009) -35.10%
      Drawdown - Time to Recovery (from the bottom) 23 months
      20-Year Annualized Standard Deviation 9.31%
    • Model Portfolio Performance 80% Stocks - 20% Bonds
      YTD Return -13.83%
      1-Year Total Return -9.44%
      3-Year Annualized Return 4.19%
      5-Year Annualized Return 4.06%
      10-Year Annualized Return 7.09%
      20-Year Annualized Return 7.23%
      Worst Drawdown (05/2007-02/2009) -39.80%
      Drawdown - Time to Recovery (from the bottom) 24 months
      20-Year Annualized Standard Deviation 10.55%
    • Model Portfolio Performance 100% Stocks - 0% Bonds
      YTD Return -14.34%
      1-Year Total Return -8.72%
      3-Year Annualized Return 5.84%
      5-Year Annualized Return 5.02%
      10-Year Annualized Return 8.49%
      20-Year Annualized Return 8.21%
      Worst Drawdown (05/2007-02/2009) -48.00%
      Drawdown - Time to Recovery (from the bottom) 48 months
      20-Year Annualized Standard Deviation 13.02%

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