Table 1: Comparison of Mutual Fund and ETF Portfolios
Mutual Fund Portfolio
Portfolio Weighting Name (Ticker) Total Return (%) 12 Mo. Yield (%) Risk-Grade* Exp Ratio (%) Tax Eff'y** (%) Index Tracked
Agg Con Year to Date 2006 2005 2004 3-Yr Annualized
20% 30% Fidelity Spartan 500 (FSMKX) 5.07 15.71 4.86 10.73 12.17 1.5 50 0.1 99 S&P 500
20% 10% Vanguard MidCap (VIMSX) 8.37 13.6 13.93 20.35 18.92 1.2 62 0.22 100 MSCI US Mid Cap 450
20% 10% Vanguard SmallCap (NAESX) 6.27 15.64 7.36 19.9 15.94 1 75 0.23 100 MSCI US Small Cap 1750
20% 10% T. Rowe Price Int'l Equity (PIEQX) 8.14 26.33 13.38 19.18 22.23 1.8 68 0.5 98 FTSE Dev ex N. America
10% 0% Vanguard Emerg Markets (VEIEX) 6.51 29.39 32.05 26.12 32.21 1.5 92 0.42 98 MSCI Emerging Markets
10% 40% Fidelity Total Bond (FTBFX) 1.97 5.12 2.46 5.47 4.97 4.6 12 0.45 96 Lehman Brothers U.S. Universal
  Aggressive Portfolio 6.42 17.71 11.36 17.19 17.57 1.7 54 0.3 99  
  Conservative Portfolio 4.59 12.32 5.91 11.35 11.35 2.7 53 0.31 98  
Exchange-Traded Fund Portfolio
Portfolio Weighting Name (Ticker) Total Return (%) 12 Mo. Yield (%) Risk-Grade* Exp Ratio (%) Tax Eff'y** (%) Index Tracked
Agg Con Year to Date 2006 2005 2004 3-Yr Annualized
20% 30% iShares S&P 500 (IVV) 5.07 15.69 4.83 10.77 12.15 1.7 50 0.1 99 S&P 500
20% 10% iShares S&P MidCap 400 (IJH) 8.93 10.15 12.48 16.29 15.61 1.3 71 0.2 100 S&P MidCap 400
20% 10% iShares S&P SmallCap 600 (IJR) 5.4 14.94 7.5 22.45 15.82 0.7 83 0.2 100 S&P SmallCap 600
20% 10% iShares MSCI-EAFE (EFA) 8.68 26 13.39 19.75 22.21 1.9 74 0.35 99 MSCI EAFE
10% 0% iShares MSCI Emerg Markets (EEM) 6.57 30.71 33.78 25.53 33.29 1.3 132 0.75 99 MSCI Emerging Markets
10% 40% iShares Lehman Agg Bond (AGG) 1.9 4.13 2.16 3.99 4.12 4.7 17 0.2 96 Lehman Bros. Aggregate Bond
  Aggressive Portfolio 6.46 16.84 11.23 16.8 16.9 1.7 63 0.27 99  
  Conservative Portfolio 4.58 11.47 5.65 10.68 10.66 2.8 47 0.19 98  
*One-year average from www.riskgrades.com.
**Three-year average from AAII's Quarterly Mutual Fund Update, Morningstar, Inc. (as of 12/31/2006).

Source: Asset size, expense ratio, yield and return data from Steele Mutual Fund Expert. Data through 4/30/2007, except where noted.