A portfolio is a scrapbook of pictures and information about you, your family, friends, pets and whatever else you would like to share about yourself. We will present any information you want to provide about yourself to birth parent(s). As such, you can be creative. A portfolio should also contain a "Dear Birth Parent(s)" letter.

Investors often take the following shortcut, which often yields misleading results. Instead of looking at total return, they simply compare their year-end portfolio value with the value at the beginning of the year, and attribute the entire growth to investment gains. The reason this shortcut may be misleading is that any additional investments or withdrawals made during the year are not taken into account.

If you are dissatisfied with any of our products, we will exchange it, replace it, or credit your account within 30 days of purchase, less shipping costs (note exceptions below). You may return unused and unwashed items only in good, saleable condition for a full refund. After 30 days if the item is still unused, unwashed and in 'like new' condition, we will issue a store credit.

Answer: No. One copy will suffice. Your portfolio's progress is tracked by the BCG Office. You should keep a duplicate copy for your files, however. On rare occasions, mail services lose packages in transit.

Answer: At a minimum, three. Those three judges work independently of each other, without seeing the evaluations prepared by the others. If all three judges approve your application, you are automatically certified. If only one or two judges recommend certification, your entire portfolio will be sent to a fourth judge (an arbitration judge), who will review your work and the evaluations of the three prior judges. The arbitration judge's decision is final.

Our rebalancing is based on math - not human intuition or a calendar. The formula is tied to the performance of each Essential Theme and is designed to keep the portfolio from becoming over-concentrated in any one Theme. The Fund will generally invest in these Themes in substantially equal 20% portions over time.