XoomFi Benchmark Comparisons (Jul 1, '22 - Mar 31, '24)

XoomFi portfolio aims to deliver Income AND Growth with its risk-managed, long-short investment strategy for investors looking to generate regular income while retaining equity appreciation potential. 

XoomFi Income Generation = UNCAPPED INCOME WITH NO DURATION RISKS

Unlike Fixed Income investments:

• The Equity Premium Income generated from the XoomFi equity holdings is neither FIXED nor CAPPED
• Investment in XoomFi is not for any specific or Fixed time period. Hence, there is no Duration Risk - Interest rate risk, credit risk, liquidity risk - associated with XoomFi as there is with Fixed Income investments.

GROWTH AT LOWER RISKS (BETA) :

The XoomFi strategy aims to deliver equity-like returns. XoomFi aims to deliver these returns at significantly lower risks - or Beta - with its inversely correlated long-short trading strategy, which provides inherent downside protection. In addition, XoomFi also considers and assesses portfolio beta and delta for trade selection. 

UNCAPPED INCOME + GROWTH AT LOWER RISKS = MORE ALPHA

The combination of Equity Premium Income, equity-like returns, lower Beta has delivered more Alpha - >5% - compared to ALL these diverse Investment Instruments.

BENCHMARK COMPARISONS:

This chart provides a summary of the XoomFi Risk Analysis Benchmark Comparisons with diverse Investment Instruments:

• Market Indexes (S&P 500, Dow Jones Industrial Average, Nasdaq 100)
• Covered Call ETF's and Funds
• BlackRock iShares Bonds & Dividend Funds
• BlackRock iShares Equity Funds
• Momentum & Alternative Investment Funds
• Vanguard Bond Funds
• Vanguard Equity Funds 
• SPDR Select Sector Funds
• Berkshire Hathaway

We provide this comprehensive risk analysis and benchmark comparisons with these diverse investment instruments to help you with asset allocation decisions - fixed income, equity, 60-40 allocation, etc. 

XoomFi v Fixed Income

While income generation is one of the primary goals for XoomFi strategy, it does so by generating Equity Premium Income from its equity holding. Of all the investment instruments, hence, XoomFi is the least correlated with fixed income funds and has delivered:

• BlackRock iShares Bond & Dividend funds : 19% to 24% mor alpha
• Vanguard Bond Funds : 15% to 21% more alpha

XoomFi v Equity Funds

XoomFi invests in equities but with a twist - long-short trades are an inherent feature of XoomFi EPIC strategy. The trading strategy and trade selection favor high volatility equities for the higher income generating potential they offer, but the risk is mitigated and managed by long-short trades and by managing the portfolio beta and delta.

The benchmark comparisons clearly show that XoomFi EPIC strategy has delivered equity-like returns, but at significantly lower beta, and consequently delivering more Alpha compared to all the leading market indexes and equity funds we have been tracking and using as benchmarks:

Here is the Alpha XoomFi has delivered vs the following equity funds:

• Berkshire Hathaway : >6%
• iShares Equity Funds : 7% to 20%
• Vanguard Equity Funds : 9% to 20%

Covered Call ETF's and Funds:

Covered Call investment instrument aims to deliver GROWTH while also generating INCOME. The XoomFi Long-short strategy is highly correlated with Covered Call strategy with the principal difference being XoomFi's focus being on INCOME GENERATION while also delivering GROWTH through equity appreciation. Consequently, the XoomFi strategy represents lower risks - lower Beta - compared to Covered Call ETF's and Funds, while delivering GROWTH and consequently more Alpha. The benchmark comparison data clearly shows that XoomFi has delivered more Alpha vis-a-vis leading Covered Call funds:

• JP Morgan Equity Premium Income (JEPI) : 12%
• Global X S&P 500 Covered Call ETF (XYLD) : 18%
• Global X Nasdaq 100 Covered Call ETF (QYLD) : 14%
• Global X Russell 2000 Covered Call ETF (RYLD) : 24%
• Buy-write Monthly Index (BXM) : 17%
• WisdomTree S&P 500 Put-Write Fund (PUTW) : 16%

Momentum & Alternative Investment Funds:

To get a better feel for the Reward / Risk associated with XoomFi, we have also been tracking the XoomFi performance v Momentum funds, which represent higher beta for potentially higher returns. With a more balanced INCOME + GROWTH strategy and by leveraging the long-short trades to mitigate risks and to lower the Beta, XoomFi has delivered much higher Alpha compared to some of the leading Momentum funds:

• First Trust Long-short Equity (FTLS) : 12%
• Virtus Terranova US Quality Momentum Fund (JOET) : 7%
• Ark Innovation Fund (ARKK) : 14%

Benchmark Comparison Summary:

During the Benchmark Comparison term - July 1, '22 to March 31, '24 - the market has experienced several bear and bull mini-cycles. By balancing INCOME and GROWTH goals based on the market cycle and with its inherently risk-mitigating long-short investment strategy, XoomFi has delivered consistent and 99th Percentile Return - and more importantly at lower beta and consequently delivering more Alpha - >5% more Alpha - across all asset classes and  investment instruments. 

The XoomFi strategy has also helped us deliver total return which ranks in the 99th Percentile  against the entire universe of 27,3266 funds tracked by Morning Star:

• Rank # 5 of 23,115 Mutual Funds
• Rank # 5 of 3,533 ETF's 
• Rank # 1 of 663 Closed-end Funds