This model is based on a factor of 40-45 years of age and a MODERATE level of risk tolerance to current principal with greater emphasis towards income generation from the accounts balance. This portfolio’s construction will correlate closely to a balanced approach but will also incorporate 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 greater 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.

40% Stable Value/Gov. Bond
20% S&P 500
10% Large Cap International
5% Technology
5% U.S. Small Cap
5% Overseas/International Small Cap
5% Emerging Market
5% Energy
5% Precious Metals