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Bonds – Think of this as your savings+ account. This strategy is intended to be treated similar to a savings account, while getting more interest than you typically would from a bank. It is also a great place to park your “rainy day” funds. It is less volatile than your standard conservative investment allocation and yields more than your standard savings account. Important to note, unlike a traditional savings account your principal will fluctuate with movements in the bond market.
Capital Preservation – This method of investing is great way for you to stow away funds for a future large purchase. Whether that be buying a home a few years down the road, saving for a dream vacation or another meaningful purchase, this is the strategy for you. It typically has lower volatility than a standard conservative strategy and provides interest.
Conservative – This portfolio is great if you’re either at (or nearing) retirement age or for those concerned with seeing potential larger fluctuations in their account balances on a shorter time horizon. This strategy provides roughly a 40% exposure to stocks and a 60% exposure to bonds. It is typically less volatile than a standard balanced strategy andseeks to provide income and mitigate volatility in stock markets.
Balanced – This approach is recommended if you’re 5-10 years out from retirement and okay with seeing potentially moderate fluctuations in your account balances over the near term without taking excessive risk. This strategy provides a roughly 60% exposure to stocks and a 40% exposure to bonds. It will typically experience more volatility than our conservative strategy but less volatility than our growth strategies and seeks to provide moderate account growth while dampening risk.
Growth – This form of investment is great if you’re 10-15 years out from retirement or okay with seeing potentially larger fluctuations in your account balances over the near term with the goal of seeking greater financial gains over the long term. This strategy provides roughly 80% exposure to stocks and a 20% exposure to bonds. It will typically experience more volatility than our balanced strategy but less volatility than our aggressive strategy and seeks to provide higher returns over an extended time period while accepting the volatility along the way.
Aggressive – Here’s the one for you risk takers, 15+ years out from retirement or seeking potentially large fluctuations in your account balances over the near term with the goal of seeking higher returns over the long term. This strategy provides roughly a 100% exposure to stocks (minus the approximately 1% cash component). It will typically experience more volatility than all of our other strategies and seeks to provide large returns over an extended time period, while accepting the volatility along the way. This strategy is not for risk-averse investors and is ideally the last place you would pull money from in the event of an emergency. * Funds are typically available for distribution two days post trade.