Low Volatility Funds

The portfolio 20:10:70

• 20% US Total Market (VTI)
• 10% International Total Market (VXUS)
• 70% US Total Bonds (BND)

The portfolio 12:8:80

• 12% US Total Market (VTI)
• 8% International Total Market (VXUS)
• 80% US Total Bonds (BND)

AOK — iShares Core Conservative Allocation ETF

The three fund allocation is 17.5:14.4:68.1

AOM — iShares Core Moderate Allocation ETF

The allocation is 40:60

VASIX — Vanguard LifeStrategy Income Inv

LifeStrategy Portfolio

• 56.20% — Total US Bond Market
• 23.20% — Total International Bond
• 12.10% — Total US Stock Market
• 8.50% — Total International Stock

Conservative Portfolios 0: 20:10:70 vs AOK vs AOM vs LifeStrategy Income

Conservative Portfolios 1: 12:8:80 vs AOK vs AOM vs LifeStrategy Income

Conservative Portfolios 2: 12:8:80 vs AOK vs FASIX vs LifeStrategy Income

Conservative Portfolios 3: 12:8:80 vs 20:80 vs FASIX vs LifeStrategy Income

Conservative Portfolios 4: M1 - Conservative vs LifeStrategy Portfolio vs 12:8:20 vs LifeStrategy

Conservative Portfolios 5: Betternment 20% vs M1 - Conservative vs SWLRX vs LifeStrategy