Read The 7TwelveTM Portfolio by Craig L text version



A Multi-Asset Balanced Strategy Craig L. Israelsen, Ph.D.

The 2012 7Twelve Research Report is a 60+ page document that provides fund-specific construction guidelines and performance analysis for the 7Twelve portfolio--a multi-asset investment strategy. The 60+ page 7Twelve Research Report (initial purchase price $350, optional annual renewal price $150) is specifically written for financial advisors and outlines several 7Twelve models: an "Active" model that uses actively managed funds, a "Passive" model that uses only ETFs and index funds, a Fidelity model, a Vanguard model, a T. Rowe Price model, and a tax-efficient model. A DFA 7Twelve model has been added this year. New Reports Available: New this year are three short-format 7Twelve research reports (6 pages each) designed for individual investors wanting 7Twelve design information specific to individual mutual fund families (Fidelity, Vanguard, T. Rowe Price). Priced at $75 for the initial purchase (optional annual renewal is $25). These short-format reports are helpful for individual investors wanting to assemble more diversified 401(k) accounts, IRA accounts, or regular investment accounts using Fidelity, Vanguard, or T. Rowe Price mutual funds. The "7" of 7Twelve represents the suggested number of broad asset classes to be included. The "Twelve" represents the 12 separate mutual funds or exchange traded products to fully represent the 7 asset classes. The 7Twelve portfolio has a 65/35 allocation: with 65% of the portfolio invested in equity and diversifying assets and 35% invested in bonds and cash.


7 Broad Asset Categories, 12 Funds

Eight Equity and Diversifying Funds

65% of Overall Portfolio Allocation

Four Fixed Income Funds

35% of Overall Portfolio Allocation

US Stock

Non-US Stock

Real Estate


US Bonds

Non-US Bonds


Large US Stock

Developed Non-US Stock

Real Estate

Natural Resources

US Bonds

Non-US Bonds


Midcap US Stock

Emerging Non-US Stock


Inflation Protected Bonds

Small Cap US Stock

January 2012

The 2012 7Twelve Research Report provides extremely detailed analysis and outlines several versions of the 7Twelve portfolio--complete with all fund names, tickers, and back-tested performance history. The 7Twelve balanced portfolio is a Qualified Default Investment Alternative (QDIA) under the provisions of the Pension Protection Act of 2006.

10-Year Growth of $10,000

January 1, 2002 to December 31, 2011

Diversified 7Twelve Portfolio $22,750 60% Stock 40% Bonds $16,093

100% Cash $12,184

100% Stock $13,209

Performance updates for the 7Twelve are available on

To purchase 7Twelve products: Please mail the Order Form on the following page or

email me. 7Twelve products are sent via email in pdf format or PowerPoint format.

2012 7Twelve products: (designed for financial advisors) $350 2012 7Twelve Research Report--1st time purchase (60+ page pdf) $150 2012 7Twelve Research Report (renewal price) $250 2012 7Twelve PowerPoint Presentation--1st time purchase (60+ slides) 2012 Short-format 7Twelve Research Report: (designed for individual investors) $75 2012 Building a Vanguard 7Twelve Portfolio (6 page pdf) $75 2012 Building a Fidelity 7Twelve Portfolio (6 page pdf) $75 2012 Building a T. Rowe Price 7Twelve Portfolio (6 page pdf) [email protected]


Craig L. Israelsen, Ph.D. is not an investment advisor. He is a researcher, author and consultant.

January 2012

7Twelve 2012 Order Form

Name: Street Address: City/State/ZIP Phone: Email: Firm/Business: ______________________________________________ ______________________________________________ ______________________________________________ ______________________________________________ ______________________________________________ ______________________________________________

2012 7Twelve Products (to order copies of 7Twelve book see next page) 2012 7Twelve Research Report for Financial Advisors

(60+ page 7Twelve construction guide with fund specific information)

Price $350 Initial Purchase


Place a if ordering

Initial Purchase Annual Renewal

$350 $150

$150 Renewal $250* initial purchase

2012 7Twelve PowerPoint Presentation for Financial Advisors

(50+ slides outlining general principles of diversification)



2012 Short-Format 7Twelve Research Reports for Individual Investors

(6 page pdf with fund specific information for each mutual fund family)

$75 per report

($25 optional annual renewal after initial purchase)

Vanguard Fidelity T. Rowe Price

$75 $75 $75

Bulk discounts available for all 7Twelve products--contact me for details


* Once purchased, the annually updated 7Twelve PowerPoint is emailed to you at no charge (in mid-January).

Two ways to purchase 7Twelve products:

Option 1: Mail this order form and check payable to Craig Israelsen to:

Craig L. Israelsen 1320 East Hobble Creek Drive Springville, Utah 84663


Option 2: Use PayPal

(1) Send me an email telling me which 7Twelve products you want to purchase. (2) I will email you a PayPal invoice. (3) You make payment using PayPal. (4) After receiving your payment, I email you the products you requested. Questions? Contact me at:

January 2012

[email protected]

Order form to purchase 7Twelve book

"7Twelve: A Diversified Investment Portfolio with a Plan" by Craig L. Israelsen, Ph.D.

Number of copies you are purchasing: ______ Name: _______________________________________________ Mailing Address: _______________________________________ _______________________________________________________ City/State/ZIP: _________________________________________ Phone: ________________________________________________ Email: _________________________________________________ Firm/Business: ___________________________________________

If you wish to purchase book from Amazon click on the image above


1 copy: $21 (+$2 shipping) = 2 copies: $19 each (+$3 shipping) = 3 copies: $19 each (free shipping) = More than 3 copies: $18 each (free shipping)

$23 total $41 total $57 total

Payment Option 1: Mail this order form and check payable to Craig Israelsen to: Craig L. Israelsen 1320 East Hobble Creek Drive Springville, Utah 84663 -- OR -Payment Option 2: Use PayPal (1) Send me an email telling me how many copies you want to purchase. Use email shown below. (2) I will email you a PayPal invoice. (3) You make payment using PayPal. (4) After receiving your payment, I mail the book(s) to you via US mail.

Questions? Contact me at: [email protected]


7Twelve Conference

For Financial Advisors and Individual Investors

Salt Lake City, Utah | October 18-19, 2012 | Sponsored by Craig L. Israelsen, Ph.D.

Conference Registration Fee: $75 (via PayPal or check) $100 after Oct 1, 2012

Register and pay by contacting Craig Israelsen at [email protected]

Thursday October 18, 2012

1:00 ­ 3:30 7Twelve overview and training by Craig Israelsen Please bring your laptop computer. We will be using Excel. Salsa bar! 4:00 ­ 5:30 John Lunt, President of Lunt Capital Management (Salt Lake City, Utah) John will discuss the strategic and tactical 7Twelve SMA and CIF Dinner on your own or in groups

Friday October 19, 2012

8:00 ­ 8:45 Ad hoc breakfast groups at the Hampton Inn

9:00 ­ 10:00 Greg Moerchen, Owner of Qualified Plan in a Box Greg will discuss 7Twelve applications in the qualified plan market 10:15 ­ 11:15 Eddie Lund, VP Business Development, Gemini Fund Services Eddie will discuss the 7Twelve fund 11:45 ­ 12:45 Lunch ­ Hosted by PowerShares 12:15 ­ 12:45 PowerShares representative 12:45 ­ 1:00 Closing remarks -- Craig Israelsen

Conference concludes

Conference location: Hampton Inn & Suites ­ Salt Lake City Airport

307 North Admiral Byrd Road

Salt Lake City, Utah 801-519-6504

Rooms at the Hampton Inn are available at a reduced rate. Please mention "7Twelve Conference" when booking your room. A complimentary shuttle to/from the SLC airport to the Hampton Inn is available.


The 7TwelveTM Portfolio by Craig L

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