ETF Investor Guide Model Portfolio Changes

We have made several changes to the ETF Aggressive Sector Portfolio.  Effective February 15th, we sold iShares Health Providers (IYH) and reinvested the proceeds in Fidelity MSCI Healtcare (FHLC).  We still favor the healthcare sector FHLC has greater diversification across healthcare subsectors.  Relative to its peers, it also maintains a very low expense ratio of 0.12 percent.  We also sold half of iShares Consumer Goods (IYK) and reinvested the proceeds equally between Technology Select SPDR (XLK), iShares Industrial (IYJ) and FHLC.   

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