This model is based on a factor of 50-55 years of age and a MODERATE level of risk tolerance to current principal, with a greater consideration to income generation from the accounts balance. This portfolio’s core holding will focus greater on income using a Gov. Bond account by periodically, due to interest rate risk models, switch a greater % to Stable Value for purposes of preservation of income principal and then back to Gov. Bonds/Fixed Income. This model also incorporates tactical and strategic allocation amongst the equity holdings within specific asset class and rotational weighting amongst those asset classes, although due to the greater amount of the total portfolio value allocated to Gov. Bonds the emphasis in this portfolio is the fulcrum point towards income and preservation and less towards risk and growth.
50% Gov. Bond/Stable Value
20% S&P 500
10% Large Cap International
5% Technology
5% U.S. Small Cap
2.5% Overseas/International Small Cap
2.5% Emerging Market
2.5% Energy
2.5% Precious Metals
