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1
July 2020 Newsletter
The US equity markets had a disjointed month, as indications of a rebound in COVID-19 cases across the US
counterbalanced indices that reached or neared all-time highs. At June’s outset, investors kept the April/
May rally going but volatility crept back with ever-increasing virus cases in states that long-ago opened up
such as Texas, California and Florida. Since the last newsletter on May 31, the S&P and DJII were down just
over 1%, while the technology heavy NASDAQ was up 2.8%. As always, EZTracker model portfolios follow a
long-term investment horizon, and our goal is to deliver superior results over time, not just measured by
one week, one month or one year.
EZTracker model portfolios had been overweight US Large Caps over the past few months, for good
reason, and subscribers have been rewarded for this. Given the volatility due to the rise in domestic COVID
cases and a more positive outlook abroad, we take this opportunity to re-allocate a portion of model
portfolios’ domestic Large Cap exposure to developed European and Asian markets (see p.4 for rationale).
All EZTracker model portfolios have changes this month. Please see page 5 for information.
At first glance, many indicators that seem to imply significant upcoming volatility:
- the acceleration of the daily rate of new COVID-19 cases in several American states;
- Stalled plans for further economic stimulus from Congress;
- Economic and labor reports that surprise on the downside;
- Second quarter-end rebalancing could lead to larger than normal month-end selling as institutional
investors aim to maintain specific allocations of stocks vs fixed income instruments.
All of this is a reminder that, despite the market rebound, the outlook for the remainder of the year is still
very uncertain.
EZTracker’s model portfolios take the long term view based on the risk tolerance level that is appropriate for
your current situation. Your risk tolerance level should always be the determining factor as to what model
portfolios are appropriate. If you see markets drop and you cannot sleep at night, maybe your risk
tolerance level is not appropriate for your personal and family situation. As always, it is impossible to
accurately predict the markets highs and lows so EZTracker’s model portfolios do not try to do so.
Re-assess your risk level and choose a plan that suits your comfort level (https://app.tolerisk.com/plan/EZT)
2
What We’re Watching
Consumer Sentiment: According the University of U of M Consumer Sentiment Index 6/19 - 6/20
Michigan Consumer Sentiment Index, the American
consumer’s overall sentiment is improving based on
prospective expectations of employment and incomes.
Most consumers see prospective growth in the
economy closely tied to scientifi c progress against the
coronavirus. June’s UM Consumer Index fi gure was
fi nalized at 78.9 compared to 72.3 in May and 71.8 in
April.
Employment: May’s labor report issued on June 5 showed a reduction in the unemployment rate for the fi rst
time since the pandemic reached the US, the strongest sign yet that the economic damage may be bottoming
out, although 21 million people remain out of work. Initial jobless claims remained steady at about 1.5 million
per week throughout June so far, although there was an improvement of 60,000 the week ended June 20.
Sector Analysis: Sectors overall were mixed over the last month, led by Technology, Materials and Real Estate,
which have segments that benefi t from social distancing . Laggards were Energy, Communication Services and
Financials. Energy suffered along with month-end oil price declines on growing concerns about output while
crude stockpiles remain at record highs; Communications Services were hit by company-specifi c issues at
Facebook (FB - ad boycott), and Disney (DIS - Florida’s putting the brakes on economic recovery), while
Financials were hit by the Fed’s cap on bank share buybacks and dividends.
Index Analysis: The gap between value and growth stocks widened dramatically during the current pandemic-
related downturn. Leadership in technology, both large and 2nd-tier tech fi rms, has been the general driver of
this “growth” spurt. We continue to overweight Technology and Communication Services in our EZTrackerETF
newsletter.
2020 YTD Index Performance: Returns (%) 2020 YTD Sector Performance: Returns (%)
20%
LARGE CAP
-18.2% -7.0% 8.5% 10% 11.7%
0%
-36.9% -25.5% -16.3% -13.0% -11.4% -10.2% -8.0% -3.4% -1.7% -0.6%
MID CAP
-26.3% -14.2% 9.2% -10%
-20%
Financial Svcs
Industrials
Utilities
Real Estate
Materials
Cons Staples
Healthcare
Comm Svcs
Cons Disc
Technology
Help Hotline: We help new subscribers get started, and current subscribers get back on track.
Text or call 201.503.6445 | contact@eztracker401k.com
3
What We’re Watching (Continued)
June S&P
The S&P 500 ended the month slightly lower than it started, displaying the market volatility from to the re-
emergence of COVID cases in various states across the US.
Fixed Income
Demand for safe haven assets continues to keep yields low, with the 10-yr Treasury yield closing at 0.64%,
almost the same as the level from one month ago. Rates remaining at such low levels generally reflects
investor expectations of a slow-growth future outlook for the US economy. The EZTracker team believes
until we get strong economic data or positive news to the upside, the treasury market will, at best, be
signaling long-term stagnancy —- which means the Fed and the government must keep the stimulus coming
for the equity markets to keep up.
4
3
Model Portfolios | July 2020 Newsletter
EZTracker provides four model portfolios for JetBlue Airlines employees; Aggressive, Moderate, Conservative
& Brokerage. Each is designed for different investment needs and styles, as well as level of risk.
**Based on our Newsletter most recent “Buy” dates. Your dates may be different
Your individual percentages may vary somewhat from those indicated above due to rounding, timing of purchases, and performance every month
(In many cases even though there may be no changes for a particular month you may notice a small change, due to performance/rounding).
The EZTracker Brokerage Portfolio is a very aggressive approach for investors who want to invest in a wider
range of market sectors and choices. Managing this portfolio will require more time and greater comfort with
risk than the other EZTracker portfolios. We suggest this portfolio for more experienced, knowledgeable
investors. See the Brokerage Portfolio ETF Data in the appendix section for a list of ETFs in this portfolio.
Moderate Portfolio:
70% invested in equities and 30% invested in bonds or the money market fund.
Conservative Portfolio:
40% invested in equities and 60% invested in bonds or the money market fund.
Brokerage Portfolio:
Aggressive: 95-100% invested in equities through the Brokerage Link and an
expanded list of Schwab ETF’s. This is a high risk/high reward portfolio.
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Performance
The EZTracker methodology used for JetBlue Airlines is the same methodology (investing in the best performing funds) we’ve used since
we began publishing in 2002. It has consistently delivered superior long-term results. While past performance is no guarantee of future
results, our past performance validates this long-term investing philosophy. 3-Yr Total Returns vs Morningstar Benchmarks
34.00%
JetBlue Morningstar
Current Performance MTD YTD
3-Year 32.1%
Through June 28, 2020 June* 2020
EZTracker Aggressive -0.12% -1.98% 32.09% 25.50%
25.3% 25.4%
EZTracker Moderate -0.06% -0.27% 25.31%
EZTracker Conservative 0.08% 1.56% 17.21%
EZTracker Brokerage 0.12% -3.22% 25.44% 17.00%
17.2% 17.2%
Morningstar Benchmarks 15.7%
14.6% 14.6%
Aggressive Target Risk Index 0.74% -10.18% 14.61%
8.50%
Moderate Target Risk Index 1.37% -2.99% 17.16%
All data for the model portfolios and the market indices are based on total returns which include reinvestment of dividends.
See the EZTracker website (www.eztracker401k.com) for historical data for all model portfolios.
6
Monthly Fund Data
This chart represents the funds in the JetBlue 401k plan at Empower which are used for
the EZTracker Aggressive, Moderate and Conservative Portfolios.
Vanguard Federal Money Market Inv VMFXX 0.01% 0.06% 0.42% 1.43% 0.42% 1.05%
Wellington CIF II International Opportunities Series ACWX 5.40% 12.99% -11.57% -5.03% -11.55% 0.98%
1 JETBLUE
T. Rowe Price Small/Mid Cap Value -0.54% 15.44% -18.23% -10.82% -18.20% -7.72%
T. Rowe Price Equity Income Trust A 2
PRFDX -0.87% 7.42% -21.31% -12.95% -21.21% -15.11%
7
Brokerage Portfolio PCRA ETF Data | Part I
The EZTracker Brokerage Portfolio is constructed using top performing ETF’s from a wide range of ETFs (Bonds, Index Funds,
Large, Mid and Small Caps, Sector Funds, International Funds and Emerging Markets.
AVG AVG
Symbol Name 1 Mo 3 Mo 6 Mo 12 Mo YTD EZT Avg Value Volume Expense
(MM) (K)
VIXY ProShares VIX Short-Term Futures ETF 10.68% -18.92% 151.18% 39.48% 147.55% 99.51% 137 4,202 0.85
ARKW ARK Next Generation Internet ETF 12.07% 50.85% 40.60% 63.14% 44.02% 90.91% 26 361 0.75
ARKK ARK Innovation ETF 9.65% 50.03% 33.72% 54.91% 37.80% 80.90% 59 1,004 0.75
KWEB KraneShares CSI China Internet ETF 19.48% 33.11% 24.94% 43.05% 27.01% 65.77% 90 1,784 0.70
GDXJ VanEck Vectors Junior Gold Miners ETF 5.62% 44.75% 12.91% 36.59% 12.14% 54.47% 522 13,221 0.54
GDX VanEck Vectors Gold Miners ETF 3.26% 36.13% 21.01% 38.84% 20.18% 54.13% 1,169 36,873 0.52
XBI SPDR S&P Biotech ETF 6.65% 41.17% 13.14% 31.79% 16.11% 50.59% 702 7,231 0.35
SKYY First Trust Cloud Computing ETF 7.35% 31.67% 20.27% 29.44% 21.67% 48.40% 49 760 0.60
IGV iShares Expanded Tech-Software Sector 8.12% 29.93% 19.71% 30.85% 20.65% 48.34% 246 984 0.46
FXL First Trust Technology AlphaDEX Fund 7.63% 33.61% 11.96% 25.40% 12.84% 42.87% 19 274 0.63
IYW iShares US Technology ETF 5.48% 26.18% 12.38% 34.13% 13.05% 42.64% 42 179 0.42
XLK Technology Select Sector SPDR Fund 5.63% 23.70% 11.35% 32.31% 11.65% 39.81% 1,258 13,768 0.13
TAN Invesco Solar ETF 3.38% 28.46% 12.11% 27.16% 13.28% 38.79% 10 305 0.70
IBB iShares Nasdaq Biotechnology ETF 3.43% 26.69% 10.43% 28.07% 12.33% 37.43% 456 3,584 0.47
EDV Vanguard Extended Duration Treasury ETF 1.68% 1.90% 28.10% 36.81% 29.94% 37.36% 57 342 0.07
FBT First Trust NYSE Arca Biotechnology Index 2.79% 28.78% 10.41% 23.63% 12.57% 35.79% 17 112 0.56
MGK Vanguard Mega Cap Growth ETF 3.73% 23.22% 8.81% 24.64% 9.36% 32.95% 73 502 0.07
VUG Vanguard Growth ETF 3.37% 23.52% 7.41% 22.14% 7.98% 30.79% 233 1,297 0.04
IWY iShares Russell Top 200 Growth ETF 3.39% 21.93% 7.42% 22.87% 7.85% 30.34% 22 225 0.20
VONG Vanguard Russell 1000 Growth ETF 3.46% 22.81% 6.25% 20.91% 6.74% 29.14% 28 162 0.08
IWF iShares Russell 1000 Growth ETF 3.31% 22.30% 6.07% 20.53% 6.62% 28.48% 372 2,152 0.19
TLT iShares 20+ Year Treasury Bond ETF 1.31% 1.58% 21.34% 27.70% 22.85% 28.32% 1,653 10,068 0.15
SPTL SPDR Portfolio Long Term Treasury ETF 1.35% 1.57% 21.06% 27.30% 22.68% 27.96% 36 765 0.06
VGLT Vanguard Long-Term Treasury ETF 1.28% 1.38% 20.98% 27.14% 22.13% 27.70% 41 406 0.05
VCR Vanguard Consumer Discretionary ETF 2.46% 28.22% 1.53% 9.88% 2.12% 22.96% 19 112 0.10
BLV Vanguard Long-Term Bond ETF 2.45% 6.97% 12.19% 20.15% 12.84% 22.78% 54 493 0.05
TLH iShares 10-20 Year Treasury Bond ETF 0.95% 2.05% 16.97% 20.25% 17.84% 21.94% 26 156 0.15
VOT Vanguard Mid-Cap Growth ETF 2.96% 24.67% 1.60% 10.57% 1.76% 21.71% 31 211 0.07
EWT iShares MSCI Taiwan ETF 7.17% 17.10% -2.87% 18.03% -2.94% 21.50% 180 4,857 0.59
IWP iShares Russell Mid-Cap Growth ETF 2.57% 23.90% 1.13% 10.94% 1.58% 21.03% 72 508 0.24
GXC SPDR S&P China ETF 9.11% 12.65% 3.05% 12.28% 2.83% 20.24% 7 74 0.59
ITB iShares U.S. Home Construction ETF -2.80% 31.43% -5.45% 13.87% -5.25% 20.21% 137 3,532 0.42
MCHI iShares MSCI China ETF 9.41% 11.96% 2.56% 12.80% 2.72% 20.04% 243 3,989 0.59
VBK Vanguard Small-Cap Growth ETF 1.79% 27.17% -2.62% 7.95% -2.07% 18.70% 56 319 0.07
MTUM iShares Edge MSCI USA Momentum 4.08% 17.72% 2.10% 9.89% 2.23% 18.43% 126 1,059 0.15
VCLT Vanguard Long-Term Corporate Bond ETF 3.34% 10.49% 5.34% 14.28% 5.70% 18.25% 88 870 0.05
SPLB SPDR Portfolio Long Term Corporate Bond 3.44% 10.13% 5.34% 14.50% 5.83% 18.22% 20 654 0.07
IGLB iShares Long-Term Corporate Bond ETF 3.54% 10.30% 5.13% 14.18% 5.60% 18.08% 23 350 0.06
XLG Invesco S&P 500 Top 50 ETF 1.83% 17.44% -0.23% 12.86% 0.17% 17.40% 16 75 0.20
LQD iShares iBoxx $ Investment Grade 2.53% 9.64% 5.56% 11.74% 5.66% 16.08% 2,006 15,527 0.15
XHB SPDR S&P Homebuilders ETF 0.84% 31.21% -7.83% 4.17% -7.57% 15.48% 96 2,579 0.35
XLY Consumer Discretionary Select Sector 0.72% 22.26% -1.13% 6.22% -0.63% 15.31% 565 4,876 0.13
VCIT Vanguard Intermediate-Term Corporate 2.47% 10.93% 5.10% 9.38% 4.97% 15.21% 391 4,231 0.05
BIV Vanguard Intermediate-Term Bond ETF 1.22% 6.05% 7.71% 10.68% 7.69% 14.00% 96 1,052 0.05
ASHR Xtrackers Harvest CSI 300 China A-Shares 8.20% 9.21% 1.00% 5.95% -1.21% 13.29% 101 3,694 0.65
FIXD First Trust TCW Opportunistic Fixed 1.46% 6.17% 6.75% 9.71% 6.61% 13.14% 41 757 0.55
OEF iShares S&P 100 ETF 1.22% 15.74% -3.48% 9.45% -3.08% 12.51% 78 600 0.20
FBND Fidelity Total Bond ETF 1.55% 6.05% 5.85% 9.07% 5.78% 12.28% 12 225 0.36
XLC Communication Services Select Sector -2.39% 18.04% -2.71% 9.40% -1.69% 12.19% 200 3,910 0.13
SPIB SPDR Portfolio Intermediate Term 1.94% 8.21% 4.38% 7.49% 4.20% 12.01% 94 2,652 0.07
EFG iShares MSCI EAFE Growth ETF 4.78% 16.04% -3.64% 4.69% -3.59% 11.93% 89 1,164 0.40
FV First Trust Dorsey Wright Focus 5 ETF -0.67% 18.51% -1.77% 5.22% -1.36% 11.61% 8 291 0.89
SPIP SPDR Portfolio TIPS ETF 1.69% 3.80% 6.38% 9.09% 6.38% 11.43% 14 482 0.12
MGC Vanguard Mega Cap ETF 0.89% 15.49% -4.55% 7.57% -4.15% 10.58% 19 189 0.07
SCHP Schwab US TIPS ETF 1.44% 3.32% 6.04% 8.56% 6.00% 10.56% 120 2,026 0.05
TIP iShares TIPS Bond ETF 1.49% 3.08% 6.06% 8.61% 6.10% 10.49% 249 2,053 0.19
IWO iShares Russell 2000 Growth ETF 0.02% 23.49% -7.53% 2.99% -6.68% 10.35% 111 611 0.24
AGG iShares Core U.S. Aggregate Bond ETF 0.83% 3.16% 5.99% 8.97% 6.09% 10.34% 718 6,151 0.04
AAXJ iShares MSCI All Country Asia ex Japan 8.72% 13.24% -5.17% 1.60% -5.48% 10.03% 85 1,310 0.68
8
Brokerage Portfolio PCRA ETF Data | Part II
AVG AVG
Symbol Name 1 Mo 3 Mo 6 Mo 12 Mo YTD EZT Avg Value Volume Expense
(MM) (K)
VV Vanguard Large-Cap ETF 0.98% 16.20% -5.39% 6.17% -5.09% 9.80% 71 538 0.04
ANGL VanEck Vectors Fallen Angel High Yield 2.53% 15.13% -2.58% 2.87% -2.65% 9.78% 35 1,278 0.35
Goldman Sachs ActiveBeta U.S. Large Cap
GSLC 0.90% 15.42% -5.17% 6.61% -4.94% 9.68% 30 524 0.09
Equity ETF
SCHX Schwab US Large-Cap ETF 0.96% 16.35% -5.70% 5.78% -5.37% 9.48% 172 2,498 0.03
IWB iShares Russell 1000 ETF 0.92% 16.27% -5.97% 5.32% -5.68% 9.02% 178 1,128 0.15
VOX Vanguard Communication Services ETF -2.48% 16.64% -4.67% 6.61% -3.71% 8.78% 24 285 0.10
VXF Vanguard Extended Market ETF 1.38% 23.46% -9.36% 0.10% -8.67% 8.50% 60 575 0.06
SPHQ Invesco S&P 500 Quality ETF -0.07% 13.90% -4.88% 6.50% -4.64% 8.43% 33 999 0.15
SPY SPDR S&P 500 ETF Trust 0.77% 15.38% -6.10% 5.39% -5.79% 8.42% 34,053 119,175 0.09
IWV iShares Russell 3000 ETF 0.91% 16.78% -6.73% 4.45% -6.44% 8.41% 70 424 0.20
VTI Vanguard Total Stock Market ETF 0.90% 16.47% -6.58% 4.59% -6.24% 8.39% 788 5,475 0.03
ITOT iShares Core S&P Total US Stock Market 1.00% 16.55% -6.70% 4.52% -6.35% 8.38% 192 3,030 0.03
SPLG SPDR Portfolio S&P 500 ETF 0.69% 15.35% -6.05% 5.31% -5.76% 8.34% 144 4,296 0.03
VOO Vanguard S&P 500 ETF 0.75% 15.35% -6.18% 5.36% -5.41% 8.34% 1,511 5,761 0.03
VIGI Vanguard International Dividend 5.60% 12.71% -6.59% 0.79% -6.67% 6.82% 16 257 0.20
FTCS First Trust Capital Strength ETF 1.06% 13.30% -5.13% 3.20% -4.83% 6.78% 42 764 0.64
TFI SPDR Nuveen Bloomberg Barclays 0.30% 3.10% 2.91% 5.32% 3.07% 6.34% 34 666 0.23
SPMB SPDR Portfolio Mortgage Backed Bond 0.05% 1.73% 3.70% 5.91% 3.82% 6.22% 12 462 0.06
URTH iShares MSCI World ETF 2.22% 15.25% -7.92% 1.81% -7.81% 6.20% 14 168 0.24
ITM VanEck Vectors AMT-Free Intermediate 1.10% 2.94% 2.28% 4.79% 2.33% 6.06% 12 242 0.24
MBB iShares MBS ETF -0.11% 1.52% 3.67% 5.85% 3.55% 5.96% 175 1,581 0.06
EMB iShares JP Morgan USD Emerging 2.68% 10.34% -3.27% 0.81% -3.38% 5.76% 442 4,293 0.39
BNDX Vanguard Total International Bond ETF 0.94% 2.80% 2.20% 4.28% 2.43% 5.58% 122 2,138 0.08
HYLS First Trust Exchange-Traded Fund IV First 0.37% 12.43% -3.64% 0.51% -3.64% 5.28% 27 595 0.95
FLOT iShares Floating Rate Bond ETF 0.85% 5.68% 0.12% 1.75% 0.14% 4.59% 78 1,579 0.20
SPEM SPDR Portfolio Emerging Markets ETF 8.08% 14.21% -10.52% -3.63% -10.52% 4.44% 67 2,166 0.11
VO Vanguard Mid-Cap ETF 0.92% 18.25% -10.06% -1.42% -9.99% 4.19% 178 1,214 0.04
IEMG iShares Core MSCI Emerging Markets ETF 7.91% 14.47% -10.60% -4.11% -10.60% 4.19% 847 19,299 0.13
SCHE Schwab Emerging Markets Equity ETF 8.22% 14.02% -10.88% -3.71% -10.68% 4.17% 93 4,120 0.11
PHB Invesco Fundamental High Yield 1.14% 10.91% -4.07% -0.45% -4.22% 4.11% 11 613 0.50
FLRN SPDR Bloomberg Barclays Investment 0.68% 5.00% -0.04% 1.52% -0.07% 3.90% 24 785 0.15
XLB Materials Select Sector SPDR Fund 0.75% 19.31% -10.13% -3.57% -10.17% 3.47% 371 7,234 0.13
FEZ SPDR EURO STOXX 50 ETF 9.96% 15.54% -13.16% -6.25% -13.16% 3.32% 111 3,464 0.29
VEU Vanguard FTSE All-World ex-US ETF 5.43% 13.93% -11.27% -4.05% -11.17% 2.20% 270 6,147 0.08
IWR iShares Russell Mid-Cap ETF 0.65% 17.85% -11.96% -3.56% -11.86% 1.62% 137 2,837 0.19
HEZU iShares Currency Hedged MSCI Eurozone 5.79% 14.05% -13.35% -3.62% -12.62% 1.56% 17 651 0.52
EZU iShares MSCI Eurozone ETF 7.83% 14.86% -13.31% -7.05% -13.41% 1.27% 189 5,708 0.49
VAW Vanguard Materials ETF 0.28% 19.68% -12.40% -5.88% -12.36% 0.91% 14 129 0.10
RHS Invesco S&P 500 Equal Weight Consumer 0.09% 7.59% -8.35% 1.20% -8.64% 0.29% 4 31 0.40
XLP Consumer Staples Select Sector SPDR -0.35% 7.10% -8.03% 1.26% -8.04% -0.01% 768 13,264 0.13
VB Vanguard Small-Cap ETF -0.23% 19.45% -14.89% -6.37% -14.57% -1.11% 161 1,245 0.05
NOBL ProShares S&P 500 Dividend Aristocrats -0.15% 12.93% -12.69% -2.57% -12.68% -1.35% 51 808 0.35
DGRO iShares Core Dividend Growth ETF -0.54% 10.51% -12.04% -0.76% -11.81% -1.54% 122 3,403 0.08
SCHM Schwab U.S. Mid-Cap ETF -0.01% 18.26% -14.69% -7.05% -14.56% -1.90% 36 766 0.04
IYJ iShares U.S. Industrials ETF 0.60% 13.09% -12.95% -5.59% -12.57% -2.65% 6 43 0.42
PKW Invesco BuyBack Achievers ETF 0.83% 11.27% -18.48% -7.77% -18.10% -7.72% 5 90 0.63
SPYV SPDR Portfolio S&P 500 Value ETF -1.95% 7.95% -17.83% -5.96% -17.76% -9.71% 87 3,075 0.04
XLU Utilities Select Sector SPDR Fund -2.14% 0.46% -12.41% -3.75% -12.99% -9.73% 1,093 19,054 0.13
FXU First Trust Utilities AlphaDEX Fund -4.02% 3.42% -11.46% -8.06% -12.09% -10.97% 21 775 0.62
VIS Vanguard Industrials ETF -0.34% 9.29% -18.49% -11.28% -17.98% -11.36% 26 212 0.10
DOG ProShares Short Dow30 -1.34% -13.83% 0.42% -7.22% 0.05% -11.98% 106 2,050 0.95
IWS iShares Russell Mid-Cap Value ETF -1.02% 12.95% -20.75% -13.26% -20.81% -12.05% 78 1,099 0.24
VOE Vanguard Mid-Cap Value ETF -1.45% 10.73% -21.52% -13.49% -21.46% -14.04% 64 707 0.07
IYF iShares US Financials ETF -1.29% 6.62% -21.37% -11.13% -21.32% -14.83% 40 384 0.42
IYG iShares U.S. Financial Services ETF -2.02% 7.16% -22.97% -9.45% -22.65% -14.88% 32 269 0.42
FCG First Trust Natural Gas ETF -8.68% 68.78% -39.64% -47.98% -39.29% -15.01% 10 1,397 0.60
MDYV SPDR S&P 400 Mid Cap Value ETF -3.07% 13.72% -24.25% -16.15% -24.18% -16.22% 32 746 0.15
VBR Vanguard Small-Cap Value ETF -2.29% 12.32% -24.86% -17.97% -24.77% -17.89% 92 933 0.07
SLYV SPDR S&P 600 Small CapValue ETF -2.46% 11.88% -28.56% -19.15% -28.45% -20.88% 22 478 0.15
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Making Portfolio Changes
Exchanging one fund for another
The following are directions for making changes on the Empower website for followers of the
Aggressive, Moderate or Conservative Portfolios.
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info@eztracker401k.com 201-503-6445
EZTracker is a publishing company founded to meet the growing demand for expert, reliable information about 401k
choices. EZTracker is not endorsed by or affiliated with JetBlue Airlines or any of its subsidiaries. The goal of EZTracker is
to remove the guesswork from 401k choices and to help employees manage their own 401k plan with confidence and in
an informed way. EZTracker is not a financial advisor nor is it a financial manager. It is a provider of information about the
various funds within the JetBlue Airlines 401k retirement plan. By reporting the performance of each fund in a
straightforward and easy to understand manner, we hope every employee from the financial neophyte to the sophisticated
investor will make informed choices to best fit their retirement goals and needs.
EZTracker is a monthly newsletter monitoring the 401k investment alternatives available to JetBlue Airlines employees.
Published by EZTracker, P.O. Box 445, Tenafly, NJ 07670. No reproduction of any EZTracker information is permitted
without the written permission of the publishers. Copyright EZTracker, 2020.
One Month Free: Tell your friends about how EZTracker can help them with their 401k.
Send us their email address and we’ll send them a copy of this month’s newsletter. When
they subscribe, we’ll add a month to your subscription for free.
Help for your IRA or Personal Brokerage Accounts: The EZTracker ETF newsletter
is a great tool for your non-401k investments. With commission-free portfolios for most all
major brokerage houses, it’s a great way to manage your IRA or personal brokerage
account with the EZTracker strategy.
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