The results are hypothetical results and NOT an indicator of future results and do NOT represent returns that any investor actually attained. The funds used by the backtest are shown in the column “Backtest Symbol” in the table below: If the plan’s funds do not have 10 years of history, SCM’s backtest uses funds from other providers with similar market exposure and similar bottom-line performance. Your employer’s funds represented by symbols in bold in the table above may not have enough history to perform a backtest. A backtest demonstrates how a strategy would have (hypothetically) performed in recent years. One feature of a rules-based strategy is the ability to “backtest”. When the economy enters a recession, SCM will try to lower risk by reallocating among the plan’s lower-risk funds, such as bond funds. During stock bull markets, the strategy reallocates to the plan’s top-performing stock funds. This strategy takes into account your particular circumstances, the stock market environment, and the nuances of your employer’s plan. SCM employs a systematic (rules-based) investment strategy, Program R, to perform this reallocation.
SCM will help you regularly reallocate among these funds to manage risk and help maximize return. CASHX assumes an interest rate of zero, but the plan’s cash-equivalent fund may earn a little interest. If you believe that any review contained on our site infringes upon your copyright, please email us.Note that if the employee plan has a cash-equivalent fund or trust (with “Stable Value”, “Guaranteed”, “FDIC Insured”, “Money Market”, etc., in the fund description), then that selection will be represented by “CASHX” in the tables above.
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