The Galleon Business iCore Account

Galleon Accounts: Special Purpose

Summary

The Galleon Business iCore account is designed specifically for businesses seeking investment options for their excess capital. The account manager seeks better-than-average returns as compared to its benchmark. It is equally committed to providing ongoing cash flow to the account owner(s). In addition, it provides a viable place for businesses to put extra end-of-year cash as opposed to purchasing equipment or advertising that they may not actually need. The account spans different industries, sectors, and geographic opportunities, typically of large capitalization company stock and underlying investment-grade corporate bonds.

Benchmark: S&P 500

Core Facts

Asset Class Large Blend
Category Multi
Expense Ratio [1] 0.0%
Commissions [2] 0.0%
Fee [3] 0.40%
Minimum investment [4] $10,000 US
Account number G122
Account manager Galleon Wealth Management
Region Global
Market Developed

Capitalization

Value

Blend

Growth
LG
MD


SM


Style

Portfolio composition by security (top holdings)

Top Holdings

CompanyDiv/ShareForward Annual
Div %
1yr Target
Est
EPS Est
Next Year
Forward
P/E
Chevron Corporation4.693.93%136.086.7517.44
The PNC Financial Services Group, Inc.4.002.90%159.7811.8713.39
Verizon Communications Inc.2.424.07%61.614.9312.11
PepsiCo, Inc.3.772.82%139.675.9522.64
AT&T Inc.2.045.33%39.023.5910.97
The Coca-Cola Company1.592.93%58.762.2524.16
Citigroup Inc.1.862.56%87.908.379.48
General Mills, Inc.1.963.77%55.533.4315.45
Bank of America Corporation0.632.06%36.453.0111.62
Target Corporation2.582.12%136.336.9317.81
The Kroger Co.0.582.23%27.902.3312.20
JPMorgan Chase & Co.3.302.60%133.7710.6512.86
Exxon Mobil Corporation3.384.95%79.033.6818.81
The Goldman Sachs Group, Inc.3.702.16%246.9523.869.96
Cisco Systems, Inc.1.382.94%52.213.4013.98
Wells Fargo & Company1.843.82%52.704.3112.26
Eli Lilly and Company2.502.25%132.086.7819.72
Bristol-Myers Squibb Company1.642.87%68.186.2410.23
Microsoft Corporation1.841.29%165.196.0626.42
Alphabet Inc.0.00-1,516.6354.2825.87
Walmart Inc.2.111.80%128.205.2222.25
Merck & Co., Inc.2.202.67%98.355.5915.85
Gilead Sciences, Inc.2.463.88%76.886.969.45
Pfizer Inc.1.423.90%42.332.8613.66
Mondelez International, Inc.1.062.10%61.002.6520.40

Overall Risk

The risk rating is based on the account’s past performance as compared to mutual funds and/or ETFs within the same category. It represents a starting point from which investors evaluate if the core makes sense for their own risk tolerance, suitability, goals and objectives. It is not a buy or sell recommendation. There are many types of risk, including interest rate, market, political, and currency. Each type of risk can affect the value of the securities in your account.

Overview       
Start Date1/1/15
End Date12/31/19
Initial Balance$10,000.00
Periodic AdjustmentNone
RebalancingRebalance quarterly
Reinvest DividendsYes
BenchmarkVanguard 500 Index Admiral
Portfolio Performance (Jan 2015 - Dec 2019)
MetricBusiness iCore AccountVanguard 500 Index Admiral
Start Balance$10,000.00 $10,000.00
End Balance$27,048.00 $17,359.00
End Balance (inflation adjusted)$24,715.00 $15,862.00
CAGR22.02%11.66%
CAGR (inflation adjusted)19.84%9.67%
Stdev11.17%11.98%
Best Year37.58%31.46%
Worst Year4.60%-4.43%
Max. Drawdown-8.34%-13.53%
Sharpe Ratio1.760.9
Sortino Ratio3.371.41
US Stock Market Correlation0.921
Risk and Return Metrics (Jan 2015 - Dec 2019)
MetricBusiness iCore AccountVanguard 500 Index Admiral
Arithmetic Mean (monthly)1.72%0.98%
Arithmetic Mean (annualized)22.75%12.45%
Geometric Mean (monthly)1.67%0.92%
Geometric Mean (annualized)22.02%11.66%
Volatility (monthly)3.22%3.46%
Volatility (annualized)11.17%11.98%
Downside Deviation (monthly)1.64%2.16%
Max. Drawdown-8.34%-13.53%
US Market Correlation0.921
Beta (*)0.861
Alpha (annualized)10.52%0.00%
R Squared85.46%100.00%
Sharpe Ratio1.760.9
Sortino Ratio3.371.41
Treynor Ratio (%)22.7810.75
Calmar Ratio2.891.13
Active Return10.36%N/A
Tracking Error4.57%N/A
Information Ratio2.27N/A
Skewness-0.36-0.51
Excess Kurtosis0.370.93
Historical Value-at-Risk (5%)-5.22%-6.34%
Analytical Value-at-Risk (5%)-3.60%-4.71%
Conditional Value-at-Risk (5%)-5.44%-7.41%
Upside Capture Ratio (%)124.23100
Downside Capture Ratio (%)63.25100
Safe Withdrawal Rate31.96%24.39%
Perpetual Withdrawal Rate16.56%8.82%
Positive Periods47 out of 60 (78.33%)45 out of 60 (75.00%)
Gain/Loss Ratio1.030.7
(*) Vanguard 500 Index Admiral is used as the benchmark for calculations. Value-at-risk metrics are based on monthly values.
Monthly Returns
YearMonthBusiness iCore Account ReturnVanguard 500 Index Admiral ReturnBusiness iCore Account BalanceVanguard 500 Index Admiral Balance
201511.58%-3.00%$10,158.00 $9,700.00
201525.66%5.74%$10,733.00 $10,257.00
20153-2.03%-1.59%$10,515.00 $10,094.00
201540.89%0.95%$10,609.00 $10,191.00
201552.86%1.28%$10,913.00 $10,321.00
20156-1.65%-1.92%$10,732.00 $10,123.00
201572.16%2.09%$10,964.00 $10,335.00
20158-4.35%-6.04%$10,487.00 $9,711.00
20159-0.76%-2.48%$10,407.00 $9,470.00
2015107.71%8.43%$11,209.00 $10,268.00
2015110.36%0.30%$11,250.00 $10,299.00
2015120.08%-1.58%$11,259.00 $10,136.00
20161-5.46%-4.97%$10,644.00 $9,633.00
201622.07%-0.14%$10,864.00 $9,619.00
201637.79%6.78%$11,710.00 $10,272.00
201644.26%0.39%$12,210.00 $10,312.00
201651.95%1.79%$12,448.00 $10,496.00
201663.04%0.26%$12,826.00 $10,523.00
201676.84%3.68%$13,703.00 $10,910.00
20168-0.19%0.14%$13,677.00 $10,926.00
201690.68%0.02%$13,771.00 $10,928.00
201610-2.29%-1.83%$13,455.00 $10,728.00
2016112.57%3.70%$13,801.00 $11,125.00
2016122.55%1.98%$14,152.00 $11,345.00
201714.24%1.89%$14,753.00 $11,560.00
201724.05%3.97%$15,351.00 $12,019.00
201731.63%0.11%$15,600.00 $12,032.00
201742.99%1.02%$16,066.00 $12,155.00
201753.21%1.40%$16,581.00 $12,325.00
201760.58%0.62%$16,677.00 $12,402.00
201772.58%2.05%$17,107.00 $12,656.00
201782.20%0.30%$17,483.00 $12,694.00
201791.11%2.07%$17,678.00 $12,957.00
2017103.10%2.33%$18,226.00 $13,259.00
2017112.51%3.07%$18,684.00 $13,665.00
2017120.60%1.11%$18,796.00 $13,817.00
201816.59%5.72%$20,035.00 $14,607.00
20182-3.87%-3.69%$19,259.00 $14,069.00
20183-1.53%-2.55%$18,965.00 $13,711.00
201841.20%0.38%$19,191.00 $13,763.00
201852.49%2.40%$19,669.00 $14,094.00
201861.34%0.61%$19,934.00 $14,180.00
201873.08%3.72%$20,548.00 $14,707.00
201883.53%3.25%$21,274.00 $15,186.00
201890.82%0.57%$21,449.00 $15,272.00
201810-5.63%-6.84%$20,241.00 $14,227.00
2018112.50%2.03%$20,747.00 $14,516.00
201812-5.24%-9.03%$19,660.00 $13,205.00
201917.92%8.01%$21,217.00 $14,263.00
201923.08%3.21%$21,870.00 $14,720.00
201932.08%1.95%$22,324.00 $15,007.00
201942.19%4.05%$22,813.00 $15,615.00
20195-4.87%-6.36%$21,703.00 $14,622.00
201967.94%7.04%$23,426.00 $15,652.00
201971.75%1.43%$23,835.00 $15,876.00
201980.72%-1.58%$24,006.00 $15,625.00
20199-0.04%1.87%$23,996.00 $15,917.00
2019103.94%2.16%$24,942.00 $16,261.00
2019113.79%3.63%$25,886.00 $16,851.00
2019124.49%3.01%$27,048.00 $17,359.00
Portfolio Returns Based Style Analysis
Style CategoryBusiness iCore AccountVanguard 500 Index Admiral
Large-cap Value15.42%46.38%
Large-cap Growth60.92%53.31%
Mid-cap Value0.00%0.00%
Mid-cap Growth1.93%0.19%
Small-cap Value0.00%0.00%
Small-cap Growth1.47%0.12%
Global ex-US Developed Markets0.00%0.00%
Emerging Markets10.68%0.00%
REITs2.60%0.00%
Corporate Bonds1.66%0.00%
Long-Term Treasuries5.31%0.00%
Intermediate-Term Treasuries0.00%0.00%
Short-Term Treasuries0.00%0.00%
R Squared84.37%99.97%
Style analysis is based on monthly returns from Jan 2015 to Dec 2019 and uses total portfolio return with monthly rebalancing. Returns based style analysis aims to explain the portfolio returns based on asset class exposures, it does not identify the actual portfolio holdings.
Drawdowns
RankStartEndLengthRecovery ByRecovery TimeUnderwater PeriodDrawdown
1Oct-18Dec-183 monthsFeb-192 months5 months-8.34%
2Jan-16Jan-161 monthMar-162 months3 months-5.46%
3Feb-18Mar-182 monthsJul-184 months6 months-5.34%
4Aug-15Sep-152 monthsOct-151 month3 months-5.08%
5May-19May-191 monthJun-191 month2 months-4.87%
6Oct-16Oct-161 monthNov-161 month2 months-2.29%
7Mar-15Mar-151 monthMay-152 months3 months-2.03%
8Jun-15Jun-151 monthJul-151 month2 months-1.65%
9Aug-16Aug-161 monthSep-161 month2 months-0.19%
10Sep-19Sep-191 monthOct-191 month2 months-0.04%