This model is based on a factor of 40-45 years of age and a LOW level of risk tolerance to current principal with a signifacantly larger focus towards income generation vs. growth This portfolio’s construction is designed to provide a moderate level of income while incorporating tactical and strategic allocation amongst the equity and income holdings with periodic market value driven rotational weightings between Equity, Stable Value and Gov. Bonds. A significant amount of the portfolio’s value is allocated to Gov. Bonds, but periodically, due to interest rate risk models, may also switch a greater % to stable value for purposes of preservation of income principal and then back to Gov. Bonds/Fixed Income.

60% Stable Value/Gov. Bond
10% S&P 500
5% Large Cap International
5% Technology
5% U.S. Small Cap
5% Overseas/International Small Cap
5% Emerging Market
5% Energy