TABLE 2. Correlation of Asset Classes (Based on Three-Year Returns)
Asset Class	Total Stock Mkt	For’n	Large Cap	REITs	Gold	Large- Cap Grth	Large- Cap Value	Small- Cap Grth	Small- Cap Value	Total Bond Mkt	Short- Term Bond	Micro- Cap	Index (Ticker)
Total Stock Market	—	0.86	0.96	0.14	0.32	0.94	0.8	0.75	0.71	-0.18	-0.26	0.7	VTSMX
Foreign	0.86	—	0.81	0.2	0.45	0.78	0.66	0.73	0.69	-0.13	-0.24	0.65	VGTSX
Large Cap	0.96	0.81	—	0.17	0.29	0.93	0.88	0.57	0.65	-0.20	-0.27	0.51	VFINX
REITs	0.14	0.2	0.17	—	0.07	0	0.35	0.06	0.48	-0.30	-0.28	0.09	VGSIX
Gold	0.32	0.45	0.29	0.07	—	0.26	0.27	0.31	0.36	0.07	0.04	0.25	VGPMX
Large-Cap Growth	0.94	0.78	0.93	0	0.26	—	0.65	0.62	0.5	-0.16	-0.24	0.58	VIGRX
Large-Cap Value	0.8	0.66	0.88	0.35	0.27	0.65	—	0.38	0.7	-0.23	-0.26	0.31	VIVAX
Small-Cap Growth	0.75	0.73	0.57	0.06	0.31	0.62	0.38	—	0.72	-0.11	-0.23	0.87	VISGX
Small-Cap Value	0.71	0.69	0.65	0.48	0.36	0.5	0.7	0.72	—	-0.03	-0.13	0.66	VISVX
Total Bond Market	-0.18	-0.13	-0.20	-0.30	0.07	-0.16	-0.23	-0.11	-0.03	—	0.93	-0.02	VBMFX
Short-Term Bond	-0.26	-0.24	-0.27	-0.28	0.04	-0.24	-0.26	-0.23	-0.13	0.93	—	-0.12	VBISX
Micro-Cap	0.7	0.65	0.51	0.09	0.25	0.58	0.31	0.87	0.66	-0.02	-0.12	—	DFSCX