We invest primarily using ETFs (exchange traded funds). ETFs have a number of key benefits:
ETFs are low cost and highly diversified. Purchasing a single ETF can be like buying hundreds or thousands of individual stocks and bonds.
Our ETF providers are leading global asset managers (Vanguard, BlackRock, State Street, etc.).
Our asset classes include US stocks, international and emerging market stocks, US government and corporate bonds, and real estate investment trusts.
We also invest in value and momentum ETFs.
ETFs are highly liquid. They allow us to dynamically reposition the portfolio in response to changing market conditions and opportunities, at low cost to our clients.
We do not use leverage or short-selling in our investments.
In this sample portfolio, the assets offering the most attractive reward/risk tradeoffs are S&P 500 stocks, value stocks, high-yield bonds, and an ETF tracking real estate investment trusts.
The portfolio can also maintain some amount of cash, in this case 2.5% of portfolio value.
The portfolio is highly diversified and owns thousands of individual securities via the ETFs.
We rebalance your investment portfolio regularly.
Portfolio weights change over time to reflect changing opportunities and risks.
Assets with zero current allocation may have allocations in the future.
Approx. # of securities
US Treasury Bonds
US Short-term Treasuries
International Government Bonds
US High-Yield Bonds
US Investment Grade Bonds
Non-US Developed Market Stocks
Disclaimer: The actual portfolio will differ from this example. This portfolio is shown only for illustrative purposes.