Portfolios

Investment Policy Profiles

Wealth Teams recommends one of six standardized portfolios based on the results of your risk tolerance questionnaire.

All Equity: The All Equity Portfolio seeks to provide long-term growth of capital with a time frame of over ten years.

Aggressive: The Aggressive Portfolio seeks to provide long-term growth of capital with a time frame of at least seven years.

Balanced: The Balanced Portfolio seeks to provide long-term growth of capital with a moderate level of current income with a time frame of five years.

Moderate Growth: The Moderate Growth Portfolio seeks to provide long-term growth of capital with current income with a time frame of three to five years.

Capital Preservation: The Capital Preservation Portfolio seeks to provide a high level of current income with the opportunity for capital appreciation.

Fixed: The Fixed Portfolio seeks to provide stable secure growth with low risk of capital loss.


Wealth Teams Portfolio Results

No guarantees can be given about future performance and this statement shall not be construed as offering such guarantee. For illustrative purposes solely, historical results of the Wealth Teams portfolios with assets combined in a manner consistent with the normal weightings of the Portfolio for the previous ten years are provided below. It should be recognized that the Wealth Teams Portfolios invest in managed mutual funds, and as a result, actual returns can be higher or lower than those presented.

Wealth Teams Portfolios compared to S&P 500


All Equity Portfolio

Investment Objective

The All Equity Portfolio seeks to provide long-term growth of capital.

Time Horizon

This Portfolio is suitable for investors with an investment horizon of at least ten years. Capital values do fluctuate over shorter periods and the investor should recognize that the possibility of capital loss does exist. However, historical asset class return data suggest that the risk of principal loss over a holding period greater than ten years can be minimized with the long-term investment mix employed by the portfolio.

Risk Tolerances and Performance Expectations

The Portfolio will be managed in a style-neutral manner that seeks to minimize principal fluctuations over the established horizon and is consistent with the stated objectives. Investors should realize the Portfolio invests entirely in equity securities including those of smaller companies and non-U.S. companies. Financial research has demonstrated that price volatility can be reduced by diversifying among domestic and foreign issuers and by lengthening the investment time horizon.

 

Asset Allocation

Asset Class Normal Weight
Domestic Equities 65%
International Equities 30%
Real Estate 5%
Domestic Bonds 0%
International Bonds 0%
Cash 0%

Aggressive Portfolio

Investment Objective

The Aggressive Portfolio seeks to provide long-term growth of capital.

Time Horizon

The Portfolio is suitable for investors with an investment horizon greater than seven years. Capital values do fluctuate over shorter periods and the investor should recognize that the possibility of capital loss does exist. However, historical asset class return data suggest that the risk of principal loss over a holding period of five years or longer can be minimized with the long-term investment mix employed by the portfolio.

Risk Tolerances and Performance Expectations

The Portfolio will be managed in a style-neutral manner that seeks to minimize principal fluctuations over the established horizon and is consistent with the stated objectives. Investors should realize the Portfolio invests primarily in equity securities including those of smaller companies and non-U.S. companies. Financial research has demonstrated that price volatility can be reduced by diversifying among domestic and foreign issuers and by lengthening the investment time horizon.

Asset Allocation

Asset Class Normal Weight
Domestic Equities 52.5%
International Equities 20%
Real Estate 7.5%
Domestic Bonds 15%
International Bonds 5%
Cash 0%

Balanced Portfolio

Investment Objective

The Balanced Portfolio seeks to provide long-term growth of capital with a moderate level of current income.

Time Horizon

The Portfolio is suitable for investors with an investment horizon of at least five years. Capital values do fluctuate over shorter periods and the investor should recognize that the possibility of capital loss does exist. However, historical asset class return data suggest that the risk of principal loss over a holding period of five years or longer can be minimized with the long-term investment mix employed by the portfolio.

Risk Tolerances and Performance Expectations

The Portfolio will be managed in a style-neutral manner that seeks to minimize principal fluctuations over the established horizon and is consistent with the stated objectives. Investors should realize the Portfolio invests primarily in equity securities including those of smaller companies and non-U.S. companies. Financial research has demonstrated that price volatility can be reduced by diversifying among domestic and foreign issuers and by lengthening the investment time horizon.

Asset Allocation

Asset Class Normal Weight
Domestic Equities 40%
International Equities 15%
Real Estate 10%
Domestic Bonds 25%
International Bonds 10%
Cash 0%

Moderate Growth Portfolio

Investment Objective

The Moderate Growth Portfolio seeks to provide long-term growth of capital with current income.

Time Horizon

The Portfolio is suitable for investors with an investment horizon of three to five years. Capital values do fluctuate over shorter periods and the investor should recognize that the possibility of capital loss does exist. However, historical asset class return data suggest that the risk of principal loss over a holding period of five years or longer can be minimized with the long-term investment mix employed by portions of this portfolio.

Risk Tolerances and Performance Expectations

The Portfolio will be managed in a style-neutral manner that seeks to minimize principal fluctuations over the established horizon and is consistent with the stated objectives. Investors should realize the Portfolio invests in equity securities including those of smaller companies and non-U.S. companies. Financial research has demonstrated that price volatility can be reduced by diversifying among domestic and foreign issuers and by lengthening the investment time horizon.

Asset Allocation

Asset Class Normal Weight
Domestic Equities 30%
International Equities 10%
Real Estate 12.5%
Domestic Bonds 45%
International Bonds 15%
Cash 0%

Capital Preservation Portfolio

Investment Objective

The Capital Preservation Portfolio seeks to provide a high level of current income with the opportunity for capital appreciation.

Time Horizon

The Portfolio is suitable for investors with an investment horizon of one to three years. Capital values do fluctuate over shorter periods and the investor should recognize that the possibility of capital loss does exist. However, historical asset class return data suggest that the risk of principal loss over a holding period of one three years or longer can be minimized with the investment mix employed by the portfolio.

Risk Tolerances and Performance Expectations

The Portfolio will be managed in a style-neutral manner that seeks to minimize principal fluctuations over the established horizon and is consistent with the stated objectives. Investors should realize the Portfolio invests in equity securities including those of smaller companies and non-U.S. companies. Financial research has demonstrated that price volatility can be reduced by diversifying among domestic and foreign issuers and by lengthening the investment time horizon.

Asset Allocation

Asset Class Normal Weight
Domestic Equities 15%
International Equities 5%
Real Estate 15%
Domestic Bonds 60%
International Bonds 20%
Cash 0%


Fixed Portfolio

Investment Objective

The Fixed Portfolio seeks to provide capital security while seeking opportunities for growth.

Time Horizon

The Portfolio is suitable for investors with an investment horizon of one to three years. Capital values are invested in bonds, but may fluctuate over short periods of time and the investor should recognize that the possibility of capital loss does exist. However, historical asset class return data suggest that the risk of principal loss is minimized with the investment mix employed by the portfolio.

Risk Tolerances and Performance Expectations

The Portfolio will be managed in a style-neutral manner that seeks to provide security of capital and minimize principal fluctuations over the established horizon and is consistent with the stated objectives. This portfolio does not invest in equity securities, but does invest in domestic and international bonds of corporations and governments. Financial research has demonstrated that price volatility can be reduced by diversifying among domestic and foreign issuers and by lengthening the investment time horizon.

Asset Allocation

Asset Class Normal Weight
Domestic Equities 0%
International Equities 0%
Real Estate 0%
Domestic Bonds 50%
International Bonds 50%
Cash 0%

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