Building Your Portfolio

Asset allocation is an investment strategy designed to create a portfolio of diversified asset classes that seeks to maximize potential returns for a given level of risk. A diversified portfolio of low-correlated asset classes can offer resilience to market volatility as the movement of individual positions has less effect on the overall performance of the portfolio.

 A Closer Look ….

• Strategic asset allocation is a scientific approach to identifying the portfolio most likely to provide the return you need to meet your investment goals at the level of risk you are willing to take. This method is a long-term strategy with little emphasis on short-term market fluctuations.

• Tactical asset allocation is a decision to alter your strategic asset allocation by overweighting an asset class temporarily because you expect it to outperform its historical average.

• Absolute Return allocation is a defensive investment management strategy that focuses on targeted loss avoidance, by having the ability to respond to changing risk with the use of over four dozen asset classes. The absolute return objectives give the managers full discretion to “go anywhere, do anything”.

• Guaranteed allocation gives the investor a guaranteed** income for life, in the event your investment options don’t perform as anticipated, this guarantee can be purchased through an annuity or another insurance product.

A well-balanced, diversified portfolio is the cornerstone of portfolio management. Through an in-depth interview process taking into account your financial position and future objectives; we will construct a diversified portfolio with a customized asset allocation.

Managing volatility through Asset Allocation ….

With investing, as with any endeavor, certain risks are inherent. The goal of asset allocation is to decrease risk without substantially reducing overall performance. By constructing a blended portfolio of asset classes whose individual performance through different market cycles does not move in unison, investors are better positioned to smooth out any potential volatility.

The asset allocation of your portfolio is an ongoing, dynamic process. As your investment and life goals change, so will your portfolio. A well-devised and executed asset allocation strategy can help you weather the investment cycle and work towards your goals.

** All guarantees are based on the claims-paying ability of the issuing isurance company.  There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio.  Nor can asset allocation eliminate risk of fluctuating prices or enhance overall returns.  These strategies will not ensure profit or guarantee against loss.