Sample Starter Portfolio Presented  By :  
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  1. What is in this Report ?   
  To help "Beginner" Investors, we have constructed a "Sample Starter Portfolio" comprised of what we consider is the best representation of today's Stock Market and fulfills the definition of "Diversification".  
   
   
   
  2. What investments are used in this Report ?   
  "Beginning" Investors should consider being "Diversified" when they start their Investment Portfolio. The best way to  accomplish "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. Sample Starter Portfolio        
         
   
  We are using the new tool "Slices" which allows anyone to invest as little as $5 in any one Stock, ETF or Index. When you use this Sample Starter Portfolio, you can adjust the amount invested by what ever amounts you are ready to invest.  
   
   
   
  Sample Starter Portfolio using $100 Total Investment . . . To invest more, simply multiply the percentage of each ETF by the Total Amount you wish to invest.  
   
   
  Description Symbol Number of Stocks Held Sample Holdings in this ETF Amount Invested into this ETF Recent Price of this ETF Fraction of Share Bot at Recent Price % of Total Starter Portfolio in this ETF  
   
   
   
   
  1. Dow Jones 30 DIA 32 United Health, Goldman Sachs, Home Depot, Boeing, Microsoft, Salesforce $20 $350 0.057 20%  
   
   
  2. S & P 500 SPY 507 Apple, Amazon, Facebook, Alphabet, Berkshire, Tesla, JP Morgan $20 $440 0.045 20%  
   
   
  3. NASDAQ QQQ 102 Adobe, NVIDIA, PayPal, Alphabet, Facebook, Apple, Microsoft $20 $360 0.056 20%  
   
   
  4. Biotech XBI 200 Intellia, Editas, Anavex, Beam, MannKind, Translate, Ocugen, Twist $10 $130 0.077 10%  
   
   
  5. Semiconductor SMH 26 Taiwan, NVIVIA, ASML, Qualcomm, Intel, Advanced Micro, Broadcom $10 $260 0.038 10%  
   
   
  6. Technology XLK 77 Mastercard, Adobe, Visa, NVIDIA, Apple, Microsoft, Intel, Salesforce $10 $150 0.067 10%  
   
   
  7. Healthcare XLV 66 J&J, UnitedHealth, Pfizer, Abbott, Merck, Eli Lilly, Thermo Fisher $10 $130 0.077 10%  
   
   
  Totals 7 1010   $100     100%  
   
   
  NOTE: We have used the "Recent" Price of each ETF, which, of course, will change day to day. Therefore, when you invest, just use the Amount you want to invest in the order to buy each ETF and select "Market Price" in the Buy Price of the Buy Order. This will effect the Fraction of the Share you Purchase in each ETF. Since you should always consult with an Investment Professional, have them review this Site.  
   
   
   
   
  II.  Results of the Sample Starter Portfolio in last 2 Years        
         
   
  Past Results are NO indication of Future Results. You cannot rely on how well the Sample Starter Portfolio has done in the past. The following is only an example of how these ETFs have done in the past 2 years.  
   
   
   
  Here we add the Rates of Return of the 7 ETFs together and then we calculate the Actual Return of the Total Sample Starter Portfolio for each Year. Year DIA SPY QQQ XBI SMH XLK XLV Total Return Sample Starter Portfolio Return  
   
   
   
  2020 7% 16% 48% 48% 54% 42% 11% 226% 32%  
   
  2019 22% 29% 38% 33% 62% 48% 18% 250% 36%  
   
                                                                                   
   
  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.  
   
   
  V.  Summary        
         
   
  1. If you are ready to begin investing in the Stock Market, you may consider the " Sample Starter Portfolio " as your starting investment. The Starter Portfolio includes the 3 Major Stock Market Indexes and 4 of the Stock Market "Sectors" represented by ETFs.  And because these 7 ETFs contain 1,010 Individual Stocks, the Starter Portfolio is considered very "Diversified", a primary goal when investing in the Stock Market.  
   
   
   
   
  2. Using the new "SLICES" Tool offered by many Stock Brokers, "Beginning" Investors can purchase these 7 ETFs with as little as $35….$5 in each ETF .  We used $100 in our sample and you can use any total amounts you wish by multiplying the percentage invested in each ETF. Always consult an Investment Professional when investing. Make sure they offer "Slices" and make sure they offer commission free investing.  
   
   
   
   
                                                                                   
                                                                                     
 
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