Stock performance is based on the IA SBBI US Large Stock Index. Bond performance is based on the IA SBBI US IT Government Index. The 60/40 portfolio consists of a 60% weighting in stocks and 40% in bonds. The diversified portfolio includes a 20% weighting in larger-cap domestic stocks; 10% each in developed- and emerging-markets stocks, Treasuries, core bonds, global bonds, and high-yield bonds; and 5% each in small-cap stocks, commodities, gold, and REITs. Both portfolios assume annual rebalancing. Returns for periods greater than one year are annualised