Henssler Financial shall mean and refer to any and all subsidiaries, parent or sister corporations, limited liability companies, partnerships or other entities or entity controlling, controlled by or under common control with said corporations or entities, including, but not limited to G.W. Henssler & Associates, Ltd., a federally registered investment adviser, Henssler CPAs & Advisers, LLC, Henssler Norton Insurance, LLC, Henssler Insurance, LLC and Henssler Small Business Services, all d/b/a “Henssler Financial.” Henssler Financial is not a financial adviser.
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It is not possible to invest directly into any of the following comparative indices:
The Standard & Poor’s 500 Index (S&P 500) is a value-weighted index comprised of 500 issues listed on various exchanges. Its beta is approximately 1.0. The index includes representation in the following economic sectors: Materials, Consumer Discretionary, Consumer Staples, Information Technology, Communication Services, Energy, Financials, Real Estate, Healthcare, Industrials, and Utilities. It is not an investment vehicle available for purchase.
The Dow Jones Industrial Average (DJIA) is a price-weighted index (beta approximately 0.99 as of December 31, 2018) of thirty (30) U.S. blue-chip companies. The Dow® covers all industries with the exception of transportation and utilities. Its wide recognition and familiarity warrant its inclusion. It is not an investment vehicle available for purchase.
The S&P Mid-Cap 400® Index by S&P Dow Jones Industries is an unmanaged, value-weighted index (beta approximately 1.02 as of December 31, 2018) of 400 mid-sized companies in the United States. The index is designed to measure the performance of mid-sized companies, reflecting the distinctive risk and return characteristics of this market segment.
The MSCI ACWI Index by Morgan Stanley Capital International (MSCI) Inc., is a free-float weighted equity index (beta approximately 0.91 as of December 31, 2018) that captures Large- and Mid-Cap representation across 23 developed and 24 emerging markets. With more than 2,400 constituents, the index covers approximately 85% of the global investable equity opportunity set. It is not an investment vehicle available for purchase.
Barclays Capital U.S. Aggregate Bond Index is a broad-based benchmark that measures the investment grade, U.S. dollar-denominated, fixed-rate taxable bond market, including Treasurys, government-related and corporate securities, MBS (agency fixed-rate and hybrid ARM pass-throughs), ABS and CMBS. The U.S. Aggregate rolls up into other Barclays Capital flagship indices such as the multi currency Global Aggregate Index and the U.S. Universal Index, which includes high yield and emerging markets debt. The U.S. Aggregate Index was created in 1986, with index history backfilled to January 1, 1976. As of December 31, 2009, the Index was comprised of 78.1% bonds rated Aaa by Moody’s Investor Services. The remaining 21.9% is comprised of 4.1% Aa, 9.7% A and 8.1% Baa by Moody’s ratings. The Barclays Capital U.S. Bond Index was previously known as the Lehman Brothers U.S. Aggregate Index. The name change took effect on November 1, 2008.
The Lipper Large-Cap Core Funds Average is an average of funds that, by portfolio practice, invest at least 75% of their equity assets in companies with market capitalizations (on a three-year weighted basis) greater than 300% of the dollar-weighted median market capitalization of the middle 1,000 securities of the S&P SuperComposite 1,500 Index.
The Blended Index is for illustration purposes only. Many of our clients have substantial holdings in fixed-income securities and may find this blended index useful. The returns are calculated on a weighted average basis, comprising 50% of the Barclays Capital U.S. Aggregate Bond Index and 50% of the Lipper Large Cap Core Fund Average over the specified periods. This blended benchmark is hypothetical and not intended as a representative benchmark of our strategy.
This comparative indices material is based on data obtained from sources we consider to be reliable, but it is not guaranteed as to accuracy and does not purport to be complete. It is not to be construed as a representation by us or as an offer or the solicitation of an offer to sell or buy any security.
Past performance is not indicative of future results.
2018 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.
The Morningstar Rating for funds, or “star rating”, is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed end funds, and separate accounts) with at least a three-year history. Exchange –traded funds and open ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product’s monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-,five-,and 10 year (if applicable) Morningstar Rating metrics. The weights are 100% three-year rating for 36-59 months of total returns, 60% five year rating/40% three-year rating for 60-119 months of total returns, and 50% 10 year rating/30% five-year rating/20% three year rating for 120 or more months of total returns. While the 10 year overall rating formula seems to give the most weight to the 10 year period, the most recent three–year period actually has the greatest impact because it is included in all three rating periods.
Online User Agreement
By my use of the information provided by Henssler Financial and its affiliates (collectively, “HF”) through their website and e-mail facilities (the “Facilities”), I expressly agree to the following:
I acknowledge and understand that neither HF nor the employees of HF are advising or have advised me concerning the nature, potential value or suitability of any particular security, portfolio of securities, transaction investment or investment strategy. I further understand that the materials provided by HF are for informational purposes only, and any references to specific securities contained therein do not constitute recommendations to buy or sell. Any investment I make will be based solely on my own independent evaluation of my financial circumstances and investment objectives.
Although G.W. Henssler & Associates, Ltd. is registered with the U.S. Securities and Exchange Commission as investment advisers, use of this online service does not create an investment advisory relationship between HF and the user. Such a relationship can be created only upon entry into an investment advisory agreement with G.W. Henssler & Associates, Ltd.
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