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Wealth Advisor 401(k) Plan

 
          for Fidelity, Schwab & TD Waterhouse Investors
 
DISCLAIMERS

General  All information and material in this newsletter and on our company's website is provided as a service to Pariveda clients and prospective clients. Pariveda, Inc. retains sole responsibility for, and rights to, all content appearing in this newsletter and on the Pariveda website.

 

No Implied Guarantees  While we continually strive to add value through our recommendations, historical model performance numbers noted in this newsletter and on the company's website are not guarantees of future results and should not be interpreted as such.
MODEL PERFORMANCE

Perfomance Disclosures

 

Gross Returns  The returns an individual following Pariveda's Wealth Advisor recommendations would have achieved independently.

 

Net-of-Fee Returns    The returns an individual would have achieved if Pariveda had managed their account following the Wealth Advisor model recommendations, net of advisory fees of 0.95% per year (our highest standard fee).
CURRENT MODEL PORTFOLIOS
Wealth Advisor Blog:
Model Portfolios - as of January 1, 2010 Model Portfolios - as of January 1, 2010
Submitted by bmurphy. on 01-16-2010.

We're making only modest changes to the Wealth Advisor model portfolios this quarter – keeping market sensitivities extremely low for each at about 20-30% of their respective benchmarks. Our willingness to take general stock market risk penalized us greatly in 2009, and perhaps we’re making the same mistake heading into 2010, but if we can’t get comfortable with the overall market’s valuation and longer-term visability we’d rather decrease market risk and take positions in specific sectors or markets that do merit attention.
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Market Commentary & Thoughts
Wealth Advisor Blog:
A Tough Time to Get Aggressive A Tough Time to Get Aggressive
Submitted by bmurphy. on 01-16-2010.

While markets have vaulted higher over the last nine months, it's tough to make the case they're now cheap, or even modestly attractively valued. Growth in earnings has got to come through - either driven by an expansion in top-line sales, or further cost-cutting.
Bullish Sentiment Remains but Correlations a Concern Bullish Sentiment Remains but Correlations a Concern
Submitted by bmurphy. on 01-13-2010.

In an over-valued market technical trading takes hold. We're back in the same pattern as 2007.
S&P 500 Fair Value Estimate - September 30, 2009 S&P 500 Fair Value Estimate - September 30, 2009
Submitted by bmurphy. on 10-10-2009.

Well my friends, after six and a half long years and a lot of nail-biting along the way, the time has come for a major change of positioning based on our operating earnings model for the S&P 500 index. This quarter we’re initiating a “sell” rating on the broad market with a buy target of 724, a full 30% lower than current levels.
S&P Fair Value Estimate - July 1, 2009 S&P Fair Value Estimate - July 1, 2009
Submitted by bmurphy. on 07-12-2009.

Thoughts on the Public Private Partnership Investment Program Thoughts on the Public Private Partnership Investment Program
Submitted by bmurphy. on 04-09-2009.

Regardless of the spin, the recently unveiled Publich Private Partnership Investment Program will have one definite outcome - putting up to another $830 billion of obligations on U.S. taxpayer's shoulders.
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