Fintegrity's Investment Results
70/30 Equity/Fixed Income Composite Report
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Download PDFComposite Description
The 70/30 Composite includes all discretionary, fee-paying portfolios with a target allocation of 70% equities and 30% fixed income as specified in the client’s investment policy statement. The composite seeks a balance between capital appreciation and income generation through investment in U.S.-based common stocks and high-quality bonds. U.S.-based common stocks are predominantly selected for quality characteristics including financial strength, competitive position, and sustainable business models. Portfolios primarily invest in individual securities rather than pooled investment vehicles. The strategy does not currently and has not used exchange-traded derivatives (e.g., index options or futures), leverage or short positions.
Composite Creation Date: October 11, 2019
Material Risks: This composite carries moderate volatility risk with balanced exposure to equity and fixed-income markets. While the 30% fixed-income allocation provides enhanced stability compared to higher-equity portfolios, significant market declines can still result in material losses. During the financial crisis of 2007–2009, this benchmark declined by approximately 41.8% before recovering. Concentrated positions in individual stocks increase security-specific risk. Interest rate risk affects the fixed-income portion substantially, with bond values declining when rates rise. Credit risk exists if bond issuers experience financial difficulty. Suitable for investors with moderate risk tolerance and medium to long-term investment horizons.
Benchmark Description
Custom Benchmark Name: 70/30 RSP/AGG
The benchmark for the 70/30 Composite is a custom benchmark that consists of 70% allocation to the Invesco S&P 500 Equal Weight ETF (RSP) and 30% allocation to the iShares Core U.S. Aggregate Bond ETF (AGG).
Components:
1. 70% Invesco S&P 500 Equal Weight ETF (RSP) – provides large-cap U.S. equity exposure with equal weighting
2. 30% iShares Core U.S. Aggregate Bond ETF (AGG) – provides broad U.S. investment-grade bond exposure
Rebalancing Process: The benchmark is calculated using each ETF’s daily total-return series and is rebalanced to the 70%/30% target weights on a daily basis. Daily blended benchmark returns are chain-linked to produce longer-period benchmark returns.
Calculation Methodology: Benchmark returns reflect the weighted combination of RSP and AGG total returns, including reinvested dividends and interest, net of each ETF’s internal expense ratio but before any advisory fees. Benchmark returns are based on the ETF’s last traded price as of the official closing market prices at the 4:00 p.m. Eastern Time close and are net of the ETF’s blended annual expense ratio of 0.149%.
Performance Results
| Year | Gross Return | Net Return | Benchmark | 3Yr SD | Bench 3Yr SD | Portfolios at Year End | Dispersion | Composite Assets | Firm Assets |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | 18.2% | 17.1% | 10.3% | – | – | 1 | N/A | $3,816,532 | $65,282,980 |
| 2024 | 11.5% | 10.7% | 9.4% | – | – | 1 | N/A | $4,021,785 | $50,933,776 |
| 2023 (partial) | 5.2% | 5.2% | 5.9% | – | – | 1 | N/A | $1,923,279 | $42,939,622 |
| 2020 (partial) | 5.5% | 4.4% | 2.4% | – | – | 0 | N/A | $673,113 | $11,234,532 |
| 2019 (partial) | 8.3% | 8.3% | 6.9% | – | – | 1 | N/A | $612,669 | $7,227,311 |
Note: From October 21, 2020 through November 30, 2022, there were no portfolios in the 70/30 Composite. As a result, performance is not presented for this period.
Compliance Statement
Fintegrity® LLC claims compliance with the Global Investment Performance Standards (GIPS®) and has prepared and presented this report in compliance with the GIPS standards. Fintegrity LLC has been independently verified for the periods January 22, 2019 through December 31, 2025. The verification report is available upon request.
A firm that claims compliance with the GIPS standards must establish policies and procedures for complying with all the applicable requirements of the GIPS standards. Verification provides assurance on whether the firm’s policies and procedures related to composite and pooled fund maintenance, as well as the calculation, presentation, and distribution of performance, have been designed in compliance with the GIPS standards and have been implemented on a firm-wide basis. Verification does not provide assurance on the accuracy of any specific performance report.