Schumpeter Case Schumpeter Finanzberatung is planning to increase their allocation to equity and reduce their allocation to T-bills. The increased allocation can be invested in the equity index, as...

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Schumpeter Case Schumpeter Finanzberatung is planning to increase their allocation to equity and reduce their allocation to T-bills. The increased allocation can be invested in the equity index, as historically has been their strategy, or invested in one of two individual stocks: ThyssenKrupp or Deoleo. As a member of Schumpeter’s team, you are responsible for estimating the risk of these three investments. Prepare a answers to the questions below and describie how Schumpeter should measure and describe the risk of investments in the three assets. Support your answer with logic and the facts from the case. The bullet points below should help guide you. Assignment- Please show your work. Answer the questions below (show your work below) and show your work in excel. The case is pasted after the assignment below. The exhibits are in the excel file provided. 1) Qualitative Assessment of the Risks of Individual Assets. To answer this question, you should think about what kinds of risk each stock faces (based on the firm descriptions in the case). There are no numbers necessary in this question. 2) 2) Quantitative Measuring the Risk of Individual Assets. To measure the risk of each of the three investments (the STOXX Europe Total Market Index (TMI), ThyssenKrupp stock, and Deoleo stock) calculate the annualized standard deviation of the excess returns. a. Excess return is the return on the asset minus the risk-free rate. Use the return on German T-bills as the risk-free rate. b. To calculate the standard deviation of returns, use the STDEV.S function in Excel. You will then need to convert your answers from a monthly to an annual number by multiplying the monthly standard deviation by the square root of 12. a) What is the annualized standard deviation of the excess return on the equity index (STOXX Europe TMI)? Enter your answer in percent rounded to one decimal (e.g., 10.0% should be entered as 10.0). b) What is the annualized standard deviation of the excess return on ThyssenKrupp stock? Enter your answer in percent rounded to one decimal (e.g., 10.0% should be entered as 10.0). c) What is the annualized standard deviation of the excess return on Deoleo stock? Enter your answer in percent rounded to one decimal (e.g., 10.0% should be entered as 10.0). d) Rank the three assets from highest to lowest risk: a. STOXX Europe TMI b. ThyssenKrupp stock c. Deoleo stock 3) Quantitative Measuring the Risk of a Portfolio. Schumpeter is going to reduce their allocation to T-bills by one percentage point (from 35 to 34% of the portfolio). This one percent of the portfolio will be allocated to the STOXX Europe TMI, ThyssenKrupp stock, or Deoleo stock. a. To measure the risk of each hypothetical portfolio (the current allocation of 65% in STOXX Europe TMI and 35% in T-bills as well as the three possible new portfolios), calculate the annualized standard deviation of the excess return. b. To calculate this standard deviation of the excess returns, you will first have to calculate the historic monthly returns on the four hypothetical portfolios (e.g., 34% Tbills, 65% equity index, and 1% Deoleo stock). c. Then to calculate the standard deviation of returns, use the STDEV.S function in Excel. You will then need to convert your answers from a monthly to an annual number by multiplying the monthly standard deviation by the square root of 12. A) What is the increase in the annualized standard deviation of the excess return when 1% of the portfolio is moved from T-bills to the equity index? Enter your answer in percent rounded to four decimal places (e.g., if the standard deviation of returns rises from 10% for the current portfolio to 15.1234% for the proposed portfolio enter your answers at 5.1234). B) What is the increase in the annualized standard deviation of the excess return when 1% of the portfolio is moved from T-bills to ThyssenKrupp stock? Enter your answer in percent rounded to four decimal places (e.g., if the standard deviation of returns rises from 10% for the current portfolio to 15.1234% for the proposed portfolio enter your answers at 5.1234). C) What is the increase in the annualized standard deviation of the excess return when 1% of the portfolio is moved from T-bills to Deoleo stock? Enter your answer in percent rounded to four decimal places (e.g., if the standard deviation of returns rises from 10% for the current portfolio to 15.1234% for the proposed portfolio enter your answers at 5.1234). D) Rank the three assets from highest to lowest risk based on your estimates of how much they raise the risk of Schumpeter’s portfolios: a. STOXX Europe TMI b. ThyssenKrupp stock c. Deoleo stock 4) Measuring Investors’ Risk. How does your qualitative assessment of risk align with your quantitative findings? To answer this question, you should think about what kinds of risks investors are exposed to. Which of the two quantitative methods of measuring an asset’s risk should Schumpeter’s investors use? If your rankings using the two quantitative methods are the same, explain whether they will always be the same and why? If your rankings using the above two methods are not the same, explain why they differ and which method is preferable. 2
Answered 8 days AfterJan 12, 2021

Answer To: Schumpeter Case Schumpeter Finanzberatung is planning to increase their allocation to equity and...

Pallavi answered on Jan 21 2021
145 Votes
Exhibit 1
    Exhibit 1: STOXX Europe Total Market Index
    Date    Index
    3/31/14    328.0
    2/28/14    331.4
    1/31/14    316.0
    12/31/13    321.1
    11/29/13    317.9
    10/31/13    314.9
    9/30/13    303.3
    8/30/13    290.5
    7/31/13    292.5
    6/28/13    278.3
    5/31/13    293.7
    4/30/13    290.3
    3/29/13    286.6
    2/28/13    283.1
    1/31/13    280.2
    12/31/12    272.8
    11/30/12    268.7
    10/31/12    263.5
    9/28/12    261.8
    8/31/12    259.4
    7/31/12    254.7
    6/29/12    244.9
    5/31/12    233.9
    4/30/12    251.3
    3/30/12    256.8
    2/29/12    258.0
    1/31/12    248.2
    12/30/11    238.4
    11/30/11    234.0
    10/31/11    237.5
    9/30/11    220.6
    8/31/11    231.8
    7/29/11    258.9
    6/30/11    266.2
    5/31/11    274.5
    4/29/11    277.3
    3/31/11    269.8
    2/28/11    279.7
    1/31/11    273.5
    12/31/10    269.5
    11/30/10    255.4
    10/29/10    259.4
    9/30/10    253.0
    8/31/10    244.5
    7/30/10    248.4
    6/30/10    236.8
    5/31/10    238.4
    4/30/10    253.3
    3/31/10    256.2
    2/26/10    238.8
    1/29/10    240.0
    12/31/09    246.4
    11/30/09    232.1
    10/30/09    230.3
    9/30/09    235.6
    8/31/09    229.2
    7/31/09    217.9
    6/30/09    199.7
    5/29/09    202.2
    4/30/09    194.2
    3/31/09    170.8
    2/27/09    167.3
    1/30/09    184.9
    12/31/08    191.3
    11/28/08    199.0
    10/31/08    214.2
    9/30/08    247.4
    8/29/08    279.2
    7/31/08    274.6
    6/30/08    280.6
    5/30/08    312.3
    4/30/08    312.9
    3/31/08    296.6
    2/29/08    309.2
    1/31/08    311.9
    12/31/07    353.0
    11/30/07    358.6
    10/31/07    377.2
    9/28/07    366.7
    8/31/07    365.6
    7/31/07    370.1
    6/29/07    383.0
    5/31/07    385.9
    4/30/07    376.4
    3/30/07    364.2
    2/28/07    355.0
    1/31/07    362.4
    12/29/06    354.9

    11/30/06    341.7
    10/31/06    342.9
    9/29/06    331.0
    8/31/06    324.5
    7/31/06    316.2
    6/30/06    311.2
    5/31/06    309.6
    4/28/06    326.9
    3/31/06    324.7
    2/28/06    318.0
    1/31/06    311.5
    12/30/05    300.4
    11/30/05    290.1
    10/31/05    281.1
    9/30/05    288.5
    8/31/05    276.2
    7/29/05    276.1
    6/30/05    267.2
    5/31/05    258.8
    4/29/05    247.8
    3/31/05    253.9
    2/28/05    256.0
    1/31/05    248.8
    12/31/04    242.8
    11/30/04    238.2
    10/29/04    232.0
    9/30/04    229.5
    8/31/04    225.5
    7/30/04    228.2
    6/30/04    232.6
    5/31/04    228.9
    4/30/04    230.8
    3/31/04    228.5
    2/27/04    234.2
    1/30/04    227.6
    12/31/03    220.9
    11/28/03    215.3
    10/31/03    213.6
    9/30/03    199.4
    8/29/03    206.7
    7/31/03    203.0
    6/30/03    195.0
    5/30/03    188.7
    4/30/03    186.8
    3/31/03    169.1
    2/28/03    174.2
    1/31/03    181.1
    12/31/02    193.2
    11/29/02    212.9
    10/31/02    203.8
    9/30/02    186.8
    8/30/02    217.4
    7/31/02    218.3
    6/28/02    243.3
    5/31/02    267.2
    4/30/02    278.1
    3/29/02    289.7
    2/28/02    276.9
    1/31/02    279.4
    12/31/01    285.1
    11/30/01    275.9
    10/31/01    264.3
    9/28/01    253.4
    8/31/01    284.2
    7/31/01    302.4
    6/29/01    314.3
    5/31/01    326.9
    4/30/01    326.7
    3/30/01    307.3
    2/28/01    320.8
    1/31/01    346.3
    12/29/00    343.5
    11/30/00    346.7
    10/31/00    370.0
    9/29/00    361.4
    8/31/00    377.3
    7/31/00    366.0
    6/30/00    360.2
    5/31/00    362.1
    4/28/00    373.1
    3/31/00    375.9
    2/29/00    370.1
    1/31/00    342.6
    12/31/99    357.7
    11/30/99    324.5
    10/29/99    302.3
    9/30/99    290.5
    8/31/99    296.1
    7/30/99    290.2
    6/30/99    297.1
    5/31/99    289.8
    4/30/99    299.6
    3/31/99    285.6
    2/26/99    278.5
    1/29/99    276.4
    12/31/98    267.3
    11/30/98    260.4
    10/30/98    242.1
    9/30/98    227.3
    8/31/98    250.5
    7/31/98    287.8
    6/30/98    287.0
    5/29/98    284.9
    4/30/98    278.8
    3/31/98    279.2
    2/27/98    257.6
    1/30/98    240.9
    12/31/97    227.5
    11/28/97    216.5
    10/31/97    209.7
    9/30/97    225.4
    8/29/97    211.5
    7/31/97    225.7
    6/30/97    207.5
    5/30/97    196.9
    4/30/97    191.4
    3/31/97    187.2
    2/28/97    184.3
    1/31/97    177.5
41729    41698    41670    41639    41607    41578    41547    41516    41486    41453    41425    41394    41362    41333    41305    41274    41243    41213    41180    41152    41121    41089    41060    41029    40998    40968    40939    40907    40877    40847    40816    40786    40753    40724    40694    40662    40633    40602    40574    40543    40512    40480    40451    40421    40389    40359    40329    40298    40268    40235    40207    40178    40147    40116    40086    40056    40025    39994    39962    39933    39903    39871    39843    39813    39780    39752    39721    39689    39660    39629    39598    39568    39538    39507    39478    39447    39416    39386    39353    39325    39294    39262    39233    39202    39171    39141    39113    39080    39051    39021    38989    38960    38929    38898    38868    38835    38807    38776    38748    38716    38686    38656    38625    38595    38562    38533    38503    38471    38442    38411    38383    38352    38321    38289    38260    38230    38198    38168    38138    38107    38077    38044    38016    37986    37953    37925    37894    37862    37833    37802    37771    37741    37711    37680    37652    37621    37589    37560    37529    37498    37468    37435    37407    37376    37344    37315    37287    37256    37225    37195    37162    37134    37103    37071    37042    37011    36980    36950    36922    36889    36860    36830    36798    36769    36738    36707    36677    36644    36616    36585    36556    36525    36494    36462    36433    36403    36371    36341    36311    36280    36250    36217    36189    36160    36129    36098    36068    36038    36007    35976    35944    35915    35885    35853    35825    35795    35762    35734    35703    35671    35642    35611    35580    35550    35520    35489    35461    327.97    331.44    315.98    321.12    317.86    314.91000000000003    303.29000000000002    290.48    292.45999999999998    278.25    293.74    290.25    286.64    283.10000000000002    280.20999999999998    272.77999999999997    268.64999999999998    263.54000000000002    261.77    259.39    254.68    244.86    233.92    251.25    256.83999999999997    257.95    248.24    238.4    233.98    237.45    220.56    231.84    258.91000000000003    266.23    274.5    277.3    269.76    279.64999999999998    273.48    269.52999999999997    255.42    259.36    253.02    244.48    248.4    236.76    238.44    253.29    256.19    238.81    240.02    246.38    232.12    230.25    235.64    229.18    217.93    199.67    202.16    194.17    170.81    167.3    184.85    191.3    198.98    214.19    247.38    279.22000000000003    274.62    280.58999999999997    312.33999999999997    312.89999999999998    296.58999999999997    309.14999999999998    311.85000000000002    353.03    358.57    377.24    366.7    365.61    370.07    382.95    385.9    376.42    364.18    355    362.39    354.89    341.73    342.88    331.01    324.52999999999997    316.22000000000003    311.2    309.56    326.86    324.68    318.02999999999997    311.52999999999997    300.37    290.10000000000002    281.11    288.51    276.23    276.11    267.2    258.75    247.79    253.92    255.98    248.78    242.78    238.23    232.03    229.5    225.49    228.19    232.56    228.94    230.83    228.45    234.18    227.56    220.92    215.34    213.62    199.39    206.73    202.99    194.97    188.65    186.8    169.09    174.17    181.12    193.2    212.93    203.78    186.78    217.37    218.25    243.33    267.14999999999998    278.06    289.64999999999998    276.94    279.43    285.07    275.93    264.33    253.41    284.22000000000003    302.39999999999998    314.3    326.89    326.73    307.33    320.8    346.3    343.48    346.66    370    361.38    377.3    365.97    360.18    362.06    373.13    375.9    370.05    342.55    357.68    324.47000000000003    302.27999999999997    290.52    296.08    290.23    297.14    289.79000000000002    299.58    285.64    278.45    276.44    267.33999999999997    260.39999999999998    242.1    227.28    250.47    287.83    287.01    284.86    278.77999999999997    279.17    257.57    240.92    227.5    216.47    209.7    225.43    211.52    225.71    207.53    196.86    191.38    187.2    184.33    177.46    
Exhibit 2
    Exhibit 2: Return on German T-bills (Annualized)
    Date    Return
    3/31/14    0.106%
    2/28/14    0.092%
    1/31/14    0.102%
    12/31/13    0.139%
    11/30/13    0.089%
    10/31/13    0.058%
    9/30/13    0.046%
    8/31/13    0.063%
    7/31/13    0.059%
    6/30/13    0.079%
    5/31/13    0.050%
    4/30/13    0.042%
    3/31/13    0.052%
    2/28/13    0.051%
    1/31/13    0.111%
    12/31/12    0.042%
    11/30/12    0.048%
    10/31/12    0.059%
    9/30/12    0.053%
    8/31/12    0.045%
    7/31/12    0.032%
    6/30/12    0.069%
    5/31/12    0.068%
    4/30/12    0.115%
    3/31/12    0.138%
    2/29/12    0.139%
    1/31/12    0.228%
    12/31/11    0.095%
    11/30/11    0.149%
    10/31/11    0.315%
    9/30/11    0.301%
    8/31/11    0.605%
    7/31/11    0.908%
    6/30/11    1.199%
    5/31/11    1.068%
    4/30/11    1.043%
    3/31/11    0.903%
    2/28/11    0.746%
    1/31/11    0.720%
    12/31/10    0.452%
    11/30/10    0.581%
    10/31/10    0.681%
    9/30/10    0.509%
    8/31/10    0.354%
    7/31/10    0.354%
    6/30/10    0.243%
    5/31/10    0.182%
    4/30/10    0.310%
    3/31/10    0.300%
    2/28/10    0.298%
    1/31/10    0.324%
    12/31/09    0.413%
    11/30/09    0.491%
    10/31/09    0.480%
    9/30/09    0.428%
    8/31/09    0.416%
    7/31/09    0.424%
    6/30/09    0.613%
    5/31/09    0.742%
    4/30/09    0.707%
    3/31/09    0.637%
    2/28/09    0.830%
    1/31/09    1.103%
    12/31/08    1.306%
    11/30/08    1.773%
    10/31/08    1.952%
    9/30/08    3.296%
    8/31/08    4.131%
    7/31/08    4.136%
    6/30/08    4.227%
    5/31/08    3.873%
    4/30/08    3.668%
    3/31/08    3.642%
    2/29/08    3.711%
    1/31/08    3.731%
    12/31/07    3.757%
    11/30/07    3.738%
    10/31/07    3.847%
    9/28/07    3.757%
    8/31/07    3.788%
    7/31/07    3.979%
    6/29/07    3.874%
    5/31/07    3.813%
    4/30/07    3.738%
    3/30/07    3.632%
    2/28/07    3.632%
    1/31/07    3.555%
    12/29/06    3.359%
    11/30/06    3.304%
    10/31/06    3.265%
    9/29/06    3.104%
    8/31/06    2.984%
    7/31/06    2.936%
    6/30/06    2.765%
    5/31/06    2.701%
    4/28/06    2.538%
    3/31/06    2.547%
    2/28/06    2.484%
    1/31/06    2.403%
Government T-bill Yields    41729    41698    41670    41639    41608    41578    41547    41517    41486    41455    41425    41394    41364    41333    41305    41274    41243    41213    41182    41152    41121    41090    41060    41029    40999    40968    40939    40908    40877    40847    40816    40786    40755    40724    40694    40663    40633    40602    40574    40543    40512    40482    40451    40421    40390    40359    40329    40298    40268    40237    40209    40178    40147    40117    40086    40056    40025    39994    39964    39933    39903    39872    39844    39813    39782    39752    39721    39691    39660    39629    39599    39568    39538    39507    39478    39447    39416    39386    39353    39325    39294    39262    39233    39202    39171    39141    39113    39080    39051    39021    38989    38960    38929    38898    38868    38835    38807    38776    38748    1.06E-3    9.2000000000000003E-4    1.0199999999999999E-3    1.3900000000000002E-3    8.8999999999999995E-4    5.8E-4    4.6000000000000001E-4    6.3000000000000003E-4    5.8999999999999992E-4    7.9000000000000012E-4    5.0000000000000001E-4    4.2000000000000002E-4    5.1999999999999995E-4    5.0999999999999993E-4    1.1100000000000001E-3    4.2000000000000002E-4    4.8000000000000007E-4    5.8999999999999992E-4    5.2999999999999998E-4    4.4999999999999999E-4    3.2000000000000003E-4    6.9000000000000008E-4    6.8000000000000005E-4    1.15E-3    1.3800000000000002E-3    1.3900000000000002E-3    2.2799999999999999E-3    9.4999999999999989E-4    1.49E-3    3.15E-3    3.0099999999999997E-3    6.0499999999999998E-3    9.0799999999999995E-3    1.1990000000000001E-2    1.068E-2    1.043E-2    9.0299999999999998E-3    7.4599999999999996E-3    7.1999999999999998E-3    4.5199999999999997E-3    5.8099999999999992E-3    6.8100000000000001E-3    5.0899999999999999E-3    3.5399999999999997E-3    3.5399999999999997E-3    2.4299999999999999E-3    1.82E-3    3.1000000000000003E-3    3.0000000000000001E-3    2.98E-3    3.2399999999999998E-3    4.13E-3    4.9100000000000003E-3    4.7999999999999996E-3    4.28E-3    4.1599999999999996E-3    4.2399999999999998E-3    6.13E-3    7.4199999999999995E-3    7.0699999999999999E-3    6.3700000000000007E-3    8.3000000000000001E-3    1.103E-2    1.3059999999999999E-2    1.7729999999999999E-2    1.9519999999999999E-2    3.2959999999999996E-2    4.1309999999999999E-2    4.1360000000000001E-2    4.2270000000000002E-2    3.8730000000000001E-2    3.6680000000000004E-2    3.6420000000000001E-2    3.7109999999999997E-2    3.7309999999999996E-2    3.7569999999999999E-2    3.7379999999999997E-2    3.8469999999999997E-2    3.7569999999999999E-2    3.7879999999999997E-2    3.9789999999999999E-2    3.8740000000000004E-2    3.8130000000000004E-2    3.7379999999999997E-2    3.6319999999999998E-2    3.6319999999999998E-2    3.5549999999999998E-2    3.3590000000000002E-2    3.304E-2    3.2649999999999998E-2    3.1040000000000002E-2    2.9839999999999998E-2    2.9360000000000004E-2    2.7650000000000001E-2    2.7009999999999999E-2    2.538E-2    2.5470000000000003E-2    2.4840000000000001E-2    2.4029999999999999E-2    
Exhibit 3
    Exhibit 3: Historic Return Performance of Schumpeter Finanzberatung
    Year         Benchmark        Schumpeter Performance
            Return    Equity Share    Return    Return Diff
    2014        5.43%    62.4%    5.54%    0.11%
    2013        10.12%    71.3%    11.76%    1.63%
    2012        8.52%    70.7%    10.21%    1.69%
    2011        -6.35%    66.1%    -7.25%    -0.90%
    2010        6.05%    60.5%    6.78%    0.72%
    2009        16.79%    47.9%    14.20%    -2.59%
    2008        -33.29%    49.2%    -26.79%    6.50%
    2007        1.43%    68.9%    0.80%    -0.63%
    2006        11.43%    70.4%    13.08%    1.65%
    Fund Life        1.95%    63.1%    2.93%    0.98%
    Date        Return    Equity (%)    Return
    3/31/14    2014    -0.62%    65.0%    -0.68%
    2/28/14    2014    2.94%    62.1%    3.04%
    1/31/14    2014    -0.96%    60.1%    -0.97%
    12/31/13    2013    0.62%    58.7%    0.60%
    11/30/13    2013    0.57%    62.1%    0.58%
    10/31/13    2013    2.30%    64.8%    2.48%
    9/30/13    2013    2.65%    66.8%    2.94%
    8/31/13    2013    -0.40%    67.4%    -0.46%
    7/31/13    2013    3.07%    74.1%    3.78%
    6/30/13    2013    -3.16%    74.1%    -3.91%
    5/31/13    2013    0.72%    76.2%    0.91%
    4/30/13    2013    0.76%    77.5%    0.97%
    3/31/13    2013    0.75%    78.1%    0.97%
    2/28/13    2013    0.62%    79.8%    0.82%
    1/31/13    2013    1.64%    76.1%    2.07%
    12/31/12    2012    0.92%    74.83%    1.15%
    11/30/12    2012    1.16%    74.33%    1.44%
    10/31/12    2012    0.41%    73.49%    0.49%
    9/30/12    2012    0.55%    72.84%    0.66%
    8/31/12    2012    1.11%    73.48%    1.35%
    7/31/12    2012    2.41%    72.22%    2.89%
    6/30/12    2012    2.81%    70.80%    3.31%
    5/31/12    2012    -4.14%    67.11%    -4.63%
    4/30/12    2012    -1.30%    67.98%    -1.48%
    3/31/12    2012    -0.25%    68.47%    -0.30%
    2/29/12    2012    2.35%    66.91%    2.62%
    1/31/12    2012    2.48%    65.72%    2.71%
    12/31/11    2011    1.14%    61.10%    1.15%
    11/30/11    2011    -0.87%    61.10%    -0.89%
    10/31/11    2011    4.61%    63.18%    4.84%
    9/30/11    2011    -2.91%    64.10%    -3.11%
    8/31/11    2011    -6.25%    65.10%    -6.79%
    7/31/11    2011    -1.62%    68.40%    -1.86%
    6/30/11    2011    -1.77%    68.11%    -2.03%
    5/31/11    2011    -0.57%    68.15%    -0.66%
    4/30/11    2011    1.71%    68.34%    1.93%
    3/31/11    2011    -2.09%    68.50%    -2.40%
    2/28/11    2011    1.38%    68.90%    1.57%
    1/31/11    2011    0.90%    68.11%    1.01%
    12/31/10    2010    3.33%    67.36%    3.73%
    11/30/10    2010    -0.89%    64.60%    -0.97%
    10/31/10    2010    1.53%    63.57%    1.61%
    9/30/10    2010    2.11%    63.40%    2.22%
    8/31/10    2010    -0.94%    60.83%    -0.96%
    7/31/10    2010    2.96%    56.80%    2.80%
    6/30/10    2010    -0.41%    56.30%    -0.39%
    5/31/10    2010    -3.51%    56.10%    -3.29%
    4/30/10    2010    -0.67%    59.30%    -0.67%
    3/31/10    2010    4.38%    61.57%    4.48%
    2/28/10    2010    -0.29%    56.98%    -0.28%
    1/31/10    2010    -1.54%    58.78%    -1.51%
    12/31/09    2009    3.70%    57.90%    3.57%
    11/30/09    2009    0.50%    55.25%    0.46%
    10/31/09    2009    -1.36%    54.94%    -1.24%
    9/30/09    2009    1.71%    55.10%    1.56%
    8/31/09    2009    3.11%    52.10%    2.70%
    7/31/09    2009    5.50%    47.40%    4.35%
    6/30/09    2009    -0.72%    42.90%    -0.50%
    5/31/09    2009    2.49%    42.70%    1.79%
    4/30/09    2009    8.23%    42.40%    5.83%
    3/31/09    2009    1.28%    41.87%    0.90%
    2/28/09    2009    -5.67%    41.40%    -3.90%
    1/31/09    2009    -1.99%    40.30%    -1.31%
    12/31/08    2008    -2.27%    40.40%    -1.50%
    11/30/08    2008    -4.20%    46.40%    -3.22%
    10/31/08    2008    -7.98%    47.40%    -6.28%
    9/30/08    2008    -6.73%    47.90%    -5.32%
    8/31/08    2008    1.14%    48.10%    0.98%
    7/31/08    2008    -1.14%    47.10%    -0.83%
    6/30/08    2008    -5.96%    49.90%    -4.90%
    5/31/08    2008    0.02%    50.10%    0.07%
    4/30/08    2008    3.42%    51.30%    2.96%
    3/31/08    2008    -2.32%    48.78%    -1.83%
    2/29/08    2008    -0.40%    55.10%    -0.34%
    1/31/08    2008    -6.87%    57.40%    -6.57%
    12/31/07    2007    -0.80%    64.30%    -0.89%
    11/30/07    2007    -2.84%    71.00%    -3.43%
    10/31/07    2007    1.85%    68.10%    2.05%
    9/28/07    2007    0.30%    69.90%    0.30%
    8/31/07    2007    -0.60%    71.30%    -0.77%
    7/31/07    2007    -1.89%    70.10%    -2.26%
    6/29/07    2007    -0.33%    68.10%    -0.42%
    5/31/07    2007    1.64%    67.70%    1.80%
    4/30/07    2007    2.14%    67.80%    2.37%
    3/30/07    2007    1.67%    66.55%    1.82%
    2/28/07    2007    -1.10%    70.50%    -1.35%
    1/31/07    2007    1.39%    71.40%    1.59%
    12/29/06    2006    2.42%    72.67%    2.87%
    11/30/06    2006    -0.09%    68.78%    -0.15%
    10/31/06    2006    2.26%    70.31%    2.60%
    9/29/06    2006    1.30%    66.65%    1.41%
    8/31/06    2006    1.68%    67.78%    1.85%
    7/31/06    2006    1.07%    63.35%    1.11%
    6/30/06    2006    0.41%    61.00%    0.41%
    5/31/06    2006    -3.09%    70.70%    -3.68%
    4/28/06    2006    0.49%    75.40%    0.55%
    3/31/06    2006    1.34%    76.60%    1.65%
    2/28/06    2006    1.33%    76.10%    1.63%
    1/31/06    2006    2.31%    75.30%    2.84%
Exhibit 4
    Exhibit 4: Average 60 Day Correlation of Stocks in the Russell 1000 Index
        Russell...
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