IQCIO MODELS

IQCIO Moderately conservative portfolio

IQCIO’s moderately conservative portfolio works for the investor who wishes to preserve most of the portfolio's total value but is willing to take on some risk for inflation protection.

IQCIO moderate portfolio

IQCIO moderate portfolio is designed to balance protection against potential capital losses with meaningful investment growth.

iqcio aggressive portfolio

IQCIO’s aggressive investment strategy attempts to maximize returns by taking a relatively higher degree of risk. Regardless of the investor's age, however, a high tolerance for risk is an absolute prerequisite for this aggressive investment strategy.

HYPOTHETICAL BACKTEST DISCLAIMER: Past performance is not a guarantee of future results. performance above does not reflect charges and expenses associated with any fund or brokerage commissions associated with buying and selling exchange traded funds. this material shows information for indices. an index is unmanaged, is not subject to fees, and is not available for direct investment.
Hypothetical performance results have many inherent limitations, some of which are described below. no representation is being made that any account will or is likely to achieve profits or losses similar to those shown. in fact, there are frequently sharp differences between hypothetical performance results and the actual results subsequently achieved by any trading program.      
One of the limitations of hypothetical performance results is that they are generally prepared with the benefit of hindsight. in addition, hypothetical trading does not involve financial risk, and no hypothetical trading record can completely account for the impact of financial risk in actual trading. for example, the ability to withstand losses or adhere to a particular trading program in spite of trading losses are material points which can also adversely affect actual trading results. there are numerous other factors related to the markets in general or to the implementation of any specific trading program which cannot be fully accounted for in the preparation of hypothetical performance results and all of which can adversely affect actual trading results. actual trading results.
Please carefully review the important disclosures in appendices for more information.

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 1. The model portfolio was created with the assumption that the portfolio was rebalanced on the last business day of the month.  Additionally, it assumes that all transactions (buys and sells) were made at the closing prices of the month.
2. The portfolio back tests were created based on the price data of the underlying securities.   There is no guarantee that  the actual portfolio will likely generate returns similar to those in the back test. Additionally, losses in the actual portfolio can exceed losses generated in the back test results.
3. We reserve the right to enhance the models in an effort to improve performance.  As and when those changes are implemented, the current back test results will no longer be relevant.
4. The back test results do not take into account any cash flows. Any dividends paid out during the quarter are assumed to be reinvested at the beginning of the next quarter.
5. The back test results assume an annual strategist fee of 100bps and an annual transaction fee of 25bps.  The actual transaction fee incurred may be higher or lower.  A client's actual performance may differ from that of the model portfolio returns if the client incurs any other expenses.  Additional fees such as bank fees and financial advisor fees are not included in these back tests as they vary.
6. The back tests assume that fees are collected after the close of end of the month.  All transaction costs are assumed to incur at the time of rebalancing.
7. There can be meaningful differences between simulated performance returns and the actual returns subsequently achieved by any particular trading program. Simulated trading does not involve financial risk, and no simulated trading record can completely account for the impact of financial risk in actual trading. For example, the decision to withstand losses or to adhere to a particular trading program in spite of trading losses are material points which can cause actual trading returns to deviate from simulated returns. 
8. There are a number of proprietary assumptions that models make in deciding allocations to securities such as security universe, volatility, correlations and other factors.
9. There could be errors in data that the models received from third party sources.  Any such errors could impact the output of the models and the subsequent performance numbers.  IQCIO, LLC does not make any representation nor accuracy of data provided third party sources.
10. The models and back tests do not seek to make tax efficient investments and do not take into account any tax implications. The model portfolios, and therefore the actual portfolios, can incur short term or long term gains/losses.  Any investments that may be tax efficient are coincidental.  IQCIO, LLC recommends investors to seek advice from their tax consultants.
11. All information is provided “as is”, without any representations or warranties of any kind. IQCIO LLC expressly disclaims all express and implied warranties of these back tests including those with respect to accuracy, completeness, timeliness or fitness for a particular purpose. We assume no responsibility for any losses, whether direct, indirect, special or consequential, which arise out of the use of these back tests. Unless otherwise expressly indicated, all financial information is unaudited and there is no representation that financial information has been prepared in accordance with generally accepted accounting principles.