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 Neal Frankle, Founder |
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 The following is a summary of our portfolio menu. Once you complete our investment portfolio questionnaire and we go through it together, we'll be better able to select the right portfolio management style from among the following: Portfolio 1 — Income. This portfolio invests in bonds, CDs, money market, preferred stocks, bond funds & ETFs. Investors taking advantage of this portfolio should expect steady income and potentially less volatility. However, because income instruments fluctuate inversely with interest rates, account values are still subject to ups and downs. This means that if interest rates rise significantly, it could have an adverse effect on the value of this portfolio. This portfolio stays fully invested at all times but will move money to different types of bonds depending on market conditions. This is suitable for investors who want a steady income and reduced volatility with no appetite for the stock market. Such investors should still be willing to accept some volatility in their accounts. A person investing in such a portfolio might define "risk" as the chance of having less income and/or losing money in the stock market. Portfolio 2 — 60% Income/ 40% Growth. This portfolio will utilize the investments mentioned above plus growth mutual funds and ETF's. Such investors should not expect to outperform the market when it is strong but may reasonably expect to experience reduced volatility and some protection from bear markets. This portfolio stays fully invested at all times but will move assets into and out of bonds and funds depending on market conditions. Investors in income & growth must be able to accept a measure of risk in weak or falling markets. Also, as mentioned above, the value of bonds and other income instruments will fluctuate as interest rates change. A person investing in this portfolio might define "risk" as a combination of losing a significant amount of money as a result of the stock market or missing out on some growth in a good market. Portfolio 3 — Up to 60% Growth/ 40% Income. Investors access growth potential with a measure of stability. Expect good growth in strong markets but this portfolio is not designed to outperform the market. Rather, it is designed to yield consistent returns over the long-term (3 years). However, investors in growth and income must be able to accept risk to their capital in weak or falling markets. Investors in such a portfolio might define risk as missing out on a large amount of growth in good markets or losing as much as the market losses in bad markets. This portfolio stays fully invested at all times but will move assets into and out of bonds and funds depending on market conditions. Portfolio 4 — 100% growth. For clients with a long term perspective (10 years) this growth portfolio is designed to take advantage of opportunities the stock market presents. This client might define "risk" as not doing at least as well as the market. This client understands that they could suffer losses exceeding 20% in very bad markets. This portfolio stays fully invested at all times but will move money in and out of funds depending on market conditions. This portfolio focuses investment in the strongest segments of the market and while this can lead to better returns, it can also result in greater short-term fluctuations. Portfolio 5 — Up to 100% growth — with a safety net. Also for clients with a long term perspective, the portfolio is designed to grow money safely while avoiding catastrophic losses. This client would define "risk" as missing out on doing well during strong markets. They may also define risk as suffering losses exceeding 10% in any one calendar year. This investor should be willing to accept situations in which their account underperforms at certain times. Also, this investor may find that in very choppy markets, more trades are executed in their account. In choppy markets, this portfolio may do better or worse than the overall market. How Investments are Selected within Your Portfolio Each investment vehicle is carefully researched before being used in a portfolio. While market conditions are constantly changing, I attempt to do my best to make sure that the investments are sound. Exchange traded funds are selected based upon fund quality and performance. Mutual funds are selected based on criteria including peer performance, management tenure and low fees. Individual bonds and closed end income funds are selected based upon acceptable credit quality and bond duration. Please keep in mind that portfolios 1 through 4 do stay fully invested at all times — but that does not mean these portfolios buy and hold the same securities forever. Securities may be sold or purchased based on market changes. The benefit to you is that you can potentially remain invested in the (relatively) strongest areas of the market as much as possible. This can also benefit you by reduced trading. Even though the prime objective of my firm is to grow your assets safely, the selection of any investment strategy mentioned above does not guarantee against loss of principal. Put our experience to work for you; get your free phone consultation now. |
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Wealth Resources Group | 28348 Roadside Drive, Suite 102B | Agoura Hills, CA 91301 | 818.889.6700 | Driving Map | Investment Blog |
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