Review of Investing 1 Year Ago																			Presented  By :
																					StockMarketResearchCenter.com
																					The Largest Producer of Online Stock Market Research
		1. What is in this Report ?
				To help "Beginner" Investors, we have calculated what Rates of Return would they realize if they had invested at the beginning of 2020, ending at the end of 2020. The results include the change in price they paid vs the price at the end of the year plus the amount of cash they would have received in dividends.
		2. What investments are used in this Report ?
				"Beginning" Investors should consider being "Diversified" when they start their Investment Portfolio. The best way to  accomphish "Diversification" is by getting into the Major Stock Market "Indexes". The best way to invest in Market "Indexes" is by using ETFs. ETFs are Exchange Traded Funds that hold many individual stocks which gives them the "Diversification".
		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. 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.
		5. 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. Review of Investing 1 Year Ago
		Here is where we Review what Rate of Return an Investor would have received if they invested at the beginning of 2020. We use the ETFs that represent the 3 Major Stock Market "Indexes" and the ETFs that represent several fo the Stock Market "Sectors".
		A. Stock Market Major "Indexes"
		Description					Symbol		Price at Start of 2020			Amount Invested			Fraction of Share Bot				Price at End of 2020			End of 2020 Value of Share Bot					Profit on Share Bot				Dividend Paid on Share Bot				Profit + Dividend			Rate of Return on $5 Invested
		1. Dow Jones 30					DIA		286.44			$5			0.017				305.79			$5.34					$0.34				$0.10				$0.44			8.76%
		2. S & P 500					SPY		324.87			$5			0.015				373.88			$5.75					$0.75				$0.09				$0.84			16.84%
		3. NASDAQ					QQQ		216.16			$5			0.023				313.74			$7.26					$2.26				$0.04				$2.30			45.95%
		B. Stock Market  "Sectors"
		Description					Symbol		Price at Start of 2020			Amount Invested			Fraction of Share Bot				Price at End of 2020			End of 2020 Value of Share Bot					Profit on Share Bot				Dividend Paid on Share Bot				Profit + Dividend			Rate of Return on $5 Invested
		1. Semiconductor					SMH		144.68			$5			0.035				218.42			$7.55					$2.55				$0.05				$2.60			52.00%
		2. Biotech					XBI		94.68			$5			0.053				140.78			$7.43					$2.43				$0.01				$2.45			48.99%
		3. Technology					XLK		93.39			$5			0.054				130.02			$6.96					$1.96				$0.06				$2.02			40.50%
		If you would have invested in these 3 Stock Market Major "Indexes" and 3 Market "Sectors", starting with as little as $30, here is what your Rates of Return would be at the end of 2020.
		6 ETFs Invested in at start of 2020										Total Amount Invested				Value of 6 ETFs at End of 2020					Profit at End of 2020					Dividends Paid in 2020					Profits + Dividends					Rate of Return on Original $30
		DIA, SPY, QQQ, SMH, XBI, XLK										$30				$40.29					$10.29					$0.36					$10.65					35.50%
		Past Performance is NO indication of Future Returns. What happened in 2020 may or may not be duplicated in future years. You can review the Average Annual Rates of Return of these 3 "Index" and 3 "Sector" ETFs for the last 10 Years in the tables below
		II.  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
		III.  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.
		IV.  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. If you started your Investing in the Stock Market at the beginning of 2020, using the 3 Major Market "Indexes" and 3 Market "Sector" ETFs, you would have earned a 35% Rate of Return on your $30 minimum Investment.
			2. Using the new "SLICES" Tool offered by many Stock Brokers, "Beginning" Investors can purchase these 6 ETFs with as little as $30….$5 in each ETF . This means you can own 943 Stocks using the 6 ETFs with as little as $30.
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