Diversified Investment Plan Presented  By :  
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  1. What makes up the Diversified Investment Plan ?   
  The "DIP" is made up of several ETF's that represent the Major Stock Market Indexes as well as several of the Market "Sectors".  
   
   
  2. What are ETFs ?   
  ETFs are Exchange Traded Funds that are traded on Stock Exchanges and are bought and sold throughout the day just like stocks. ETFs hold assets like stocks, bonds, currencies or commodities. ETFs list the assets it holds and the size of the positions at the end of each day on their website.  
   
   
   
  3. Why are ETFs used to represent  Market "Indexes" and  "Sectors" ?   
  Because ETFs hold several individual Stocks in any one Stock Market "Index" and  "Sector", they represent a better valuation of that one "Index" or "Sector" than just one of two individual Stocks in that "Index" or "Sector". Providing diversification in the "Index" or  "Sector" makes ETFs perfect to represent any one Stock Market "Index" or "Sector".  
   
   
   
   
  4. What is the History Returns for these Market "Index" /  "Sector" ETFs ?   
  Since ETFs that hold the stocks in several Stock Market "Indexes" /  "Sectors" have been around for long periods of time, we have posted the Annual Returns for each of the last 10 years in the tables below for the major Stock Market "Sectors" as well as the Stock Market Indexes like the Dow Jones Industrial Averages, the S&P 500, the NASDAQ.  
   
   
   
   
  5. Do these Stock Market Index and Sector ETFs pay Dividends ?   
  All the the Stock Market Index and Sector ETFs in this Report pay Dividend / Distributions as shown in the table below.  
   
   
  6. What does it cost to purchase a  Market "Index" / "Sector" ETF ?   
  There is usually NO commission cost  to Buy or Sell a Stock Market "Index" / "Sector" ETF. Check with your Broker or open an account at a Broker that offers commission free trading.  
   
   
                                                                     
                                                                             
   
  I. "Diversified  Investment  Plan"  
   
   
  Symbol Contents Number of Stocks 2020 Last 5 Years Last 10 Years  
  Total Return Total Return Average Return Total Return Average Return  
   
   
   
  Part "A" Stock "Indexes" 1. DIA The 30 Dow Jones Industrial Average Stocks 32 8% 73% 15% 130% 13%  
   
  2. SPY The 500 Stocks in the S&P 500 Index 507 17% 77% 15% 141% 14%  
   
  3. QQQ The 100 Stocks in the NASDAQ 100 Index 102 48% 126% 25% 212% 21%  
   
   
  Part "B" Stock "Sectors" 1. SMH Semiconductor Sector - includes Taiwan, NVIVIA, ASML, Broadcom, Advanced Micro, Intel & more 26 56% 189% 38% 276% 28%  
   
  2. XBI Biotech Sector - includes Alexion, Agios, SAGE, Ionis, TG, Kodiak, BridgeBio, Apellis, Editas & more 200 48% 94% 19% 238% 24%  
   
  3. XLK Technology Sector - includes Apple, Microsoft, Visa, NVIDIA, Mastercard, Pay Pal, Adobe & more 77 43% 126% 28% 207% 21%  
   
  4. XLY Consumer Discretionary Sector - includes Amazon, Tesla, Home Depot, McDonalds, Nike  & more 65 29% 88% 18% 184% 18%  
   
  5. XRT Retail Sector - includes Magnite, Blink Charging, Sportsman, GameStop, RealReal, Vroom  & more 96 41% 55% 11% 132% 13%  
   
  6. XLV Healthcare Sector - includes J&J, UnitedHealth, Merck, Pfizer, Abbott, Thermo Fisher  & more 66 13% 58% 12% 160% 16%  
   
   
  Beginning investors in the Stock Market could start with these 3 Major Market " Index" ETFs and these 6 Market "Sector" ETFs.  
   
   
  II.  Diversified Investment Plan  SUMMARY  
   
   
  1. Number of ETFs in the "DIP" 9 6. Total 5 Year "DIP" Rate of Return 886%  
  2. Total Number of Individual Stocks in "DIP"      1,171 7. Average Annual "DIP" Return for 5 Years 20%  
  3. Minimum Dollar Amount to Invest in "DIP" $45 8. Total 10 Year "DIP" Rate of Return 1680%  
  4. Total 2020 "DIP" Rate of Return 303% 9. Average Annual "DIP" Return for 10 Years 19%  
  5. Average Annual "DIP" 2020 Rate of Return 34%  
   
  As you can see from the "Diversified Investment Plan", you can invest in 1,171 individual Stocks and ETFs with as little as $45 using the new " Slices " Investment Tool.  This "DIP" Plan returned 34% in 2020, an average annual return of 20% for the last 5 years, and an average annual return of 19% for the last 10 years. So you can see that the "Diversified Investment Plan"  has had a very favorable return for the last 1 to 10 years.  
   
   
   
   
                                                                     
  III.  Stock Market Indexes and Sector Details  
   
   
  Description Symbol Number of Stocks Held Major Location Sample Holdings for this ETF  
   
   
   
  A. Stock Market Indexes . . .  
   
  1. DJIA DIA 32 North America UnitedHealth, Goldman Sachs, Home Depot, Microsoft, Salesforce, Amgen, Boeing  
  2. S&P 500 SPY 507 North America Apple, Microsoft, Amazon, Facebook, Alphabet, Berkshire, Tesla, NVIDIA, JP Morgan  
  3. NASDAQ QQQ 102 North America Apple, Microsoft, Amazon, Facebook, Alphabet, Tesla, NVIDIA, PayPal, Adobe  
   
  B. Stock Market Sectors . . .  
   
  1. Banks KRE 134 North America Silvergate, PNC, East West Bancorp, Pinnacle, Huntington, SVB, Signature, First Rep  
  2. Basic Materials XLB 30 North America Linde, Sherwin-Williams, Air Products, Freeport-McMoRan, Exolab, Newmont, Eco  
  3. Biotech XBI 200 North America Intellia, Editas, Anavex, Beam, MannKind, Translate, Ocugen, Macrogenics, Twist  
  4. Consumer Discretionary XLY 65 North America Amazon, Tesla, Home Depot, McDonald's, Nike, Lowes, Starbucks, Target, TJX  
  5. Consumer Staples XLP 34 North America Procter & Gamble, Coca-Cola, Pepsi, Walmart, Costco, Philip Moris, Mondelez  
  6. Energy XLE 25 North America Exxon, Chevron, Conoco, EOG, Schlumberger, Marathon, Pioneer, Phillips, Kinder  
  7. Financial XLF 66 North America Berkshire, JP Morgan, B of A, Wells Fargo, Citigroup, Morgan Stanley, Goldman Sachs  
  8. Healthcare XLV 66 North America J&J, UnitedHealth, Pfizer, Abbott, AbbVie, Thermo Fisher, Merck, Eli Lilly, Danaher  
  9. Industrials XLI 77 North America Honeywell, UPS, Union Pacific, Boeing, Raytheon, Caterpillar, GE, 3M, Deere  
  10. Oil & Gas XOP 57 North America Callon, SM Energy, Occidental, Diamondback, Continental, Antero, ConocoPhillips  
  11. Real Estate VNQ 176 North America Vanguard, American Tower, Prologis, Crown Castle, Equinix, Public Storage, Simon  
  12. Semiconductor SMH 25 No. America, Asia Taiwan, NVIVIA, ASML, Qualcomm, Advanced Micro, Intel, Texas Inst, Broadcom  
  13. Technology XLK 77 North America Apple, Microsoft, NVIDIA, Visa, PayPal, Mastercard, Adobe, Intel, Salesforce  
  15. Utilities XLU 30 North America NextEra, Duke, Southern, Dominion, Exelon, American Electric, Sempra, Xcel  
   
  IV.  Stock Market Indexes and Sector Dividends & Yields  
   
   
  The Stock Market Indexes and Stock Market Sector ETFs in this Report pay Dividend Distributions as described in this Table.  
  Description Symbol Dividend / Distributions Paid per Year per Share Yield based on Starting Price of ETF at beginning of the Year  
   
   
  2018 2019 2020 2018 2019 2020  
  Stock Market Indexes  
  1. DJIA DIA $5.22 $5.95 $5.73 2.11% 2.55% 2.01%  
  2. S&P 500 SPY $5.10 $5.62 $5.69 1.91% 2.25% 1.77%  
  3. NASDAQ QQQ $1.41 $1.58 $1.74 0.91% 1.02% 0.82%  
  U.S. Government Notes  
  1. 20 Year T-Note TLT $3.20 $3.07 $2.37 2.52% 2.53% 1.75%  
  Stock Market Sectors  
  1. Banks KRE $1.05 $1.29 $1.44 1.78% 2.76% 2.47%  
  2. Basic Materials XLB $1.11 $1.21 $1.24 1.83% 2.40% 2.02%  
  3. Biotech XBI $0.20 $0.01 $0.28 0.24% 0.01% 0.29%  
  4. Consumer Discretionary XLY $1.33 $1.60 $1.32 1.35% 1.62% 1.05%  
  5. Consumer Staples XLP $1.55 $1.62 $1.69 2.72% 3.19% 2.68%  
  6. Energy XLE $2.03 $5.23 $2.13 2.81% 9.12% 3.55%  
  7. Financial XLF $0.50 $0.58 $0.60 1.79% 2.43% 1.95%  
  8. Healthcare XLV $1.36 $2.45 $1.69 1.64% 2.83% 1.66%  
  9. Industrials XLI $1.39 $1.58 $1.42 1.84% 2.45% 1.74%  
  10. Oil & Gas XOP $0.26 $0.35 $1.09 0.43% 0.69% 1.77%  
  11. Real Estate VNQ $3.53 $3.14 $3.34 2.35% 2.91% 3.57%  
  12. Semiconductor SMH $1.64 $2.12 $1.50 1.98% 2.84% 1.62%  
  13. Technology XLK $0.99 $1.06 $1.19 1.01% 1.21% 0.84%  
  14. Utilities XLU $1.76 $1.91 $1.97 2.75% 3.08% 2.15%  
   
  Note: The Yield is calculated by dividing the Dividend Amount by the Price of the ETF at the Start of the Year.  
   
  V.  Stock Market Indexes and Sector Returns  
   
   
  Description Symbol Average Annual Return for last 10 Years Total Return for last 10 Years Rates of Return for each of the Last 10 Years  
   
   
  2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 YTD 2021  
   
   
   
  A. Stock Market Indexes . . .  
   
  1. DJIA DIA 10.7% 107% 5% 7% 27% 7% -2% 14% 25% -6% 22% 7% 15%  
  2. S&P 500 SPY 12.1% 121% 0% 13% 30% 11% -1% 10% 19% -6% 29% 16% 18%  
  3. NASDAQ QQQ 20.2% 202% 3% 17% 35% 17% 8% 6% 31% -1% 38% 48% 17%  
  4. Russell RUA 12.3% 123% -1% 14% 31% 10% -1% 10% 19% -7% 29% 19% 17%  
  5. Gold GLD 3.7% 37% 10% 7% -28% -2% -11% 8% 13% -2% 18% 25% -5%  
  6. Silver SLV 0.3% 3% -11% 9% -36% -20% -12% 15% 6% -9% 15% 47% -5%  
  7. Oil USO -14.2% -142% 0% -13% 8% -44% -44% 4% 1% -19% 33% -68% 50%  
  8. 20 Year T-Note TLT 6.1% 61% 29% 0% -16% 24% -4% -1% 6% -4% 11% 16% -6%  
   
  B. Stock Market Sectors . . .  
  Arranged in Average Annual Return Order  
  1. Biotech XBI 23.5% 235% 5% 32% 48% 43% 13% -16% 43% -15% 33% 48% -10%  
  2. Semiconductor SMH 23.4% 234% -6% 6% 31% 29% -2% 34% 37% -11% 62% 54% 18%  
  3. Technology XLK 18.9% 189% 1% 13% 24% 16% 4% 13% 32% -3% 48% 42% 19%  
  4. Consumer Discretionary XLY 16.4% 164% 4% 22% 41% 8% 8% 4% 21% 0% 27% 28% 14%  
  5. Healthcare XLV 14.2% 142% 10% 15% 39% 23% 5% -4% 20% 5% 18% 11% 16%  
  6. Financial XLF 12.9% 129% -18% 26% 33% 13% -4% 48% 20% -15% 29% -4% 23%  
  7. Industrials XLI 10.8% 108% -3% 12% 38% 8% -6% 17% 22% -15% 26% 9% 17%  
  8. Healthcare XLP 9.1% 91% 11% 7% 23% 13% 4% 2% 10% -11% 24% 7% 6%  
  9. Banks KRE 8.7% 87% -8% 15% 45% 0% 3% 33% 6% -21% 25% -11% 19%  
  10. Utilities XLU 7.7% 77% 15% -3% 9% 24% -8% 12% 8% 0% 22% -3% 5%  
  11. Basic Materials XLB 7.6% 76% -13% 12% 23% 5% -11% 14% 22% -17% 22% 18% 13%  
  12. Real Estate VNQ 5.0% 50% 5% 13% -2% 25% -2% 4% 1% -10% 24% -8% 25%  
  13. Energy XLE -3.8% -38% 1% 3% 24% -11% -24% 25% -4% -21% 5% -37% 28%  
  14. Oil & Gas XOP -8.6% -86% 0% 1% 30% -29% -38% 40% -11% -28% -13% -37% 40%  
  NOTE:  Average Annual Return is calculated by subtracting the Price at the end of each year from the Price at the beginning of each year and dividing that by the Price at the beginning of each year.  
   
   
  C. Conclusions . . .   
   
  1. The Stock Market Indexes have returned respectable 11%, 12% and 20% Average Annual Returns for the last 10 Years.              
  2. The 6 Stock Market Sector ETFs that have matched the Indexes have produced 23% and 19% Returns for the same 10 Years.          
  3. A portfolio of 3 Stock Market Indexes and 6 Stock Market Sectors would have a respectable Annual Return over the last 10 Years . . .      
  4. Using the new "SLICES" Tool offered by many Stock Brokers, "Beginning" Investors can purchase these 9 ETFs with as little as $45….$5 in each ETF . This means you can own 1,171 Stocks using the 9 ETFs with as little as $45.  
   
   
  Description Symbol Average Annual  Return for last 10 Years Number of Stocks in this ETF Using new "SLICES" Tool :  
  Min Purchase Shares Bot  
   
  1. DJIA DIA 10.7% 32 $5 0.028  
  2. S&P 500 SPY 12.1% 507 $5 0.025  
  3. NASDAQ QQQ 20.2% 102 $5 0.044  
  4. Biotech XBI 23.5% 200 $5 0.071  
  5. Semiconductor SMH 23.4% 26 $5 0.094  
  6. Technology XLK 18.9% 77 $5 0.116  
  7. Consumer Discretionary XLY 18.3% 65 $5 0.028  
  8. Retail XRT 13.1% 96 $5 0.053  
  9. Healthcare XLV 16.2% 66 $5 0.038  
  NOTE: The Shares Bot amounts use recent ETF Prices  
  Combined Average Annual Return  = 17.4% 1,171 $45  
       
                                                                             
                                                                               
 
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