Team Bender, Bender & Bortolotti – Model Portfolio – September 2022

This document provides the performance data for the Model ETF Portfolios as of September 2022, as compiled by the team.

For illustration purposes only. Actual client portfolios may be different.  

The PWL Model Portfolios have relatively short track records. However, they often track indexes with a longer history, so whenever fund returns were not available, we used the underlying index returns and subtracted the current management expense ratio of the fund. In a number of cases, we have had to approximate the returns of the asset classes using other indexes. All returns are in Canadian dollars and the portfolios are rebalanced annually.
Past performance does not guarantee future results. The historical performance of indexes is illustrative only and is not necessarily a reflection of the future performance of any fund tracking that benchmark.
    • Model ETF Portfolio Performance
      80% bonds - 20% stocks
      YTD Return -12.80%
      1-Year Total Return -10.68%
      3-Year Annualized Return -0.96%
      5-Year Annualized Return 1.71%
      10-Year Annualized Return 3.18%
      20-Year Annualized Return 4.72%
      25-Year Annualized Return 4.86%
      Lowest 1-Year Return (03/2008-02/2009) -11.06%
      25-Year Annualized Standard Deviation 4.40%
    • Security Name
      80% bonds - 20% stocks
      BMO Aggregate Bond Index ETF 80.00%
      Vanguard FTSE Canada All Cap Index ETF 7.00%
      iShares Core S&P U.S. Total Market Index ETF 7.00%
      iShares Core MSCI EAFE IMI Index ETF 4.00%
      iShares Core MSCI Emerging Markets IMI Index ETF 2.00%
      Management Expense Ratio (MER) 0.09%
    • Model ETF Portfolio Performance
      70% bonds - 30% stocks
      YTD Return -13.34%
      1-Year Total Return -10.88%
      3-Year Annualized Return -0.24%
      5-Year Annualized Return 2.21%
      10-Year Annualized Return 3.99%
      20-Year Annualized Return 5.18%
      25-Year Annualized Return 5.09%
      Lowest 1-Year Return (03/2008-02/2009) -11.04%
      25-Year Annualized Standard Deviation 5.01%
    • Security Name
      70% bonds - 30% stocks
      BMO Aggregate Bond Index ETF 70.00%
      Vanguard FTSE Canada All Cap Index ETF 10.00%
      iShares Core S&P U.S. Total Market Index ETF 10.00%
      iShares Core MSCI EAFE IMI Index ETF 7.00%
      iShares Core MSCI Emerging Markets IMI Index ETF 3.00%
      Management Expense Ratio (MER) 0.09%
    • Model ETF Portfolio Performance
      60% bonds - 40% stocks
      YTD Return -13.84%
      1-Year Total Return -10.97%
      3-Year Annualized Return 0.56%
      5-Year Annualized Return 2.80%
      10-Year Annualized Return 4.90%
      20-Year Annualized Return 5.61%
      25-Year Annualized Return 5.30%
      Lowest 1-Year Return (03/2008-02/2009) -11.55%
      25-Year Annualized Standard Deviation 5.81%
    • Security Name
      60% bonds - 40% stocks
      BMO Aggregate Bond Index ETF 60.00%
      Vanguard FTSE Canada All Cap Index ETF 13.00%
      iShares Core S&P U.S. Total Market Index ETF 14.00%
      iShares Core MSCI EAFE IMI Index ETF 10.00%
      iShares Core MSCI Emerging Markets IMI Index ETF 3.00%
      Management Expense Ratio (MER) 0.10%
    • Model ETF Portfolio Performance
      50% bonds - 50% stocks
      YTD Return -14.27%
      1-Year Total Return -11.05%
      3-Year Annualized Return 1.33%
      5-Year Annualized Return 3.33%
      10-Year Annualized Return 5.68%
      20-Year Annualized Return 6.06%
      25-Year Annualized Return 5.50%
      Lowest 1-Year Return (03/2008-02/2009) -15.47%
      25-Year Annualized Standard Deviation 6.77%
    • Security Name
      50% bonds - 50% stocks
      BMO Aggregate Bond Index ETF 50.00%
      Vanguard FTSE Canada All Cap Index ETF 17.00%
      iShares Core S&P U.S. Total Market Index ETF 17.00%
      iShares Core MSCI EAFE IMI Index ETF 12.00%
      iShares Core MSCI Emerging Markets IMI Index ETF 4.00%
      Management Expense Ratio (MER) 0.10%
    • Model ETF Portfolio Performance
      40% bonds - 60% stocks
      YTD Return -14.80%
      1-Year Total Return -11.30%
      3-Year Annualized Return 2.01%
      5-Year Annualized Return 3.79%
      10-Year Annualized Return 6.46%
      20-Year Annualized Return 6.46%
      25-Year Annualized Return 5.65%
      Lowest 1-Year Return (03/2008-02/2009) -19.33%
      25-Year Annualized Standard Deviation 7.81%
    • Security Name
      40% bonds - 60% stocks
      BMO Aggregate Bond Index ETF 40.00%
      Vanguard FTSE Canada All Cap Index ETF 20.00%
      iShares Core S&P U.S. Total Market Index ETF 20.00%
      iShares Core MSCI EAFE IMI Index ETF 15.00%
      iShares Core MSCI Emerging Markets IMI Index ETF 5.00%
      Management Expense Ratio (MER) 0.10%
    • Model ETF Portfolio Performance
      30% bonds - 70% stocks
      YTD Return -15.30%
      1-Year Total Return -11.45%
      3-Year Annualized Return 2.78%
      5-Year Annualized Return 4.34%
      10-Year Annualized Return 7.31%
      20-Year Annualized Return 6.88%
      25-Year Annualized Return 5.81%
      Lowest 1-Year Return (03/2008-02/2009) -23.08%
      25-Year Annualized Standard Deviation 8.91%
    • Security Name
      30% bonds - 70% stocks
      BMO Aggregate Bond Index ETF 30.00%
      Vanguard FTSE Canada All Cap Index ETF 23.00%
      iShares Core S&P U.S. Total Market Index ETF 24.00%
      iShares Core MSCI EAFE IMI Index ETF 17.00%
      iShares Core MSCI Emerging Markets IMI Index ETF 6.00%
      Management Expense Ratio (MER) 0.11%
    • Model ETF Portfolio Performance
      20% bonds - 80% stocks
      YTD Return -15.73%
      1-Year Total Return -11.57%
      3-Year Annualized Return 3.51%
      5-Year Annualized Return 4.84%
      10-Year Annualized Return 8.07%
      20-Year Annualized Return 7.27%
      25-Year Annualized Return 5.93%
      Lowest 1-Year Return (03/2008-02/2009) -26.93%
      25-Year Annualized Standard Deviation 10.07%
    • Security Name
      20% bonds - 80% stocks
      BMO Aggregate Bond Index ETF 20.00%
      Vanguard FTSE Canada All Cap Index ETF 27.00%
      iShares Core S&P U.S. Total Market Index ETF 27.00%
      iShares Core MSCI EAFE IMI Index ETF 19.00%
      iShares Core MSCI Emerging Markets IMI Index ETF 7.00%
      Management Expense Ratio (MER) 0.11%
    • Model ETF Portfolio Performance
      10% bonds - 90% stocks
      YTD Return -16.26%
      1-Year Total Return -11.86%
      3-Year Annualized Return 4.15%
      5-Year Annualized Return 5.26%
      10-Year Annualized Return 8.82%
      20-Year Annualized Return 7.60%
      25-Year Annualized Return 6.00%
      Lowest 1-Year Return (03/2008-02/2009) -30.72%
      25-Year Annualized Standard Deviation 11.25%
    • Security Name
      10% bonds - 90% stocks
      BMO Aggregate Bond Index ETF 10.00%
      Vanguard FTSE Canada All Cap Index ETF 30.00%
      iShares Core S&P U.S. Total Market Index ETF 30.00%
      iShares Core MSCI EAFE IMI Index ETF 22.00%
      iShares Core MSCI Emerging Markets IMI Index ETF 8.00%
      Management Expense Ratio (MER) 0.12%
    • Model ETF Portfolio Performance
      100% stocks
      YTD Return -16.76%
      1-Year Total Return -12.05%
      3-Year Annualized Return 4.88%
      5-Year Annualized Return 5.78%
      10-Year Annualized Return 9.64%
      20-Year Annualized Return 7.96%
      25-Year Annualized Return 6.07%
      Lowest 1-Year Return (03/2008-02/2009) -34.41%
      25-Year Annualized Standard Deviation 12.47%
    • Security Name
      100% stocks
      BMO Aggregate Bond Index ETF 0.00%
      Vanguard FTSE Canada All Cap Index ETF 33.00%
      iShares Core S&P U.S. Total Market Index ETF 34.00%
      iShares Core MSCI EAFE IMI Index ETF 24.00%
      iShares Core MSCI Emerging Markets IMI Index ETF 9.00%
      Management Expense Ratio (MER) 0.12%