Outcome Based Solutions

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Outcome Based Solutions

Beating a benchmark can be an important goal, however we believe benchmarks are not always true reflections of an investor's objective. Instead, investors may describe their investment goals in the context of 'outcomes', like 'funding retirement' or 'providing a steady income'. To meet this need, RiverFront constructs and manages Outcome Based Solutions that fall into three categories:

  1. Accumulate (Growth)
  2. Sustain (Balance Growth & Capital Preservation)
  3. Distribute (Generate Income & Sufficient Growth for Systematic Withdrawals)

Investment Solutions

Products to Support the Life Phases of Investors

Accumulate

While the life goals of investors may vary, from retirement to funding important milestone events, the primary object is a common thread – to maximize the long-term growth of capital. In our view, it is about starting early, saving enough, sticking to the plan, and maintaining perspective. RiverFront provides global diversified solutions designed for long-term growth of capital. These solutions are supported by clear and concise communication that we believe helps investors stick to their long-term plan through market ups and downs.

Sustain

Approaching retirement can be scary with questions such as: Have I saved enough? Will I be able to weather a significant market decline? In the Sustain phase, investors are looking to achieve continued growth of capital with greater downside protection. RiverFront offers solutions for shorter time horizons (less than ten years) designed to satisfy a dual mandate of growth and protection.

Distribute

Today’s extremely low interest rates are simply not sufficient to provide an after tax, after inflation income for most retirees. In the Distribute phase, investors want their assets to provide a consistent stream of income while protecting purchasing power from inflation. Our portfolios are designed to produce a sustainable monthly income stream through a combination of interest and dividends and reasonable systematic withdrawals from the portfolios’ principal.

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For each outcome category (accumulate, sustain and distribute) RiverFront’s portfolio management team has assigned one or more RiverFront product(s) based on their assessment of the product’s investment objective as it relates to a typical client’s return and risk objectives when seeking investment outcomes of accumulating wealth, sustaining wealth and distributing wealth. The team has also designated RiverFront product alternatives for those clients looking to take more or less risk with the outcome category. The ‘more aggressive’ (or more risk) alternatives will generally have greater equity and international exposure as well as longer time horizon targets, while those designated as ‘more conservative’ (or less risk) will have fewer equities, a lower exposure to international and shorter time horizon targets. Since the risk assessments are dependent on the outcome category selected, RiverFront products may fall in multiple categories. All investments carry a risk of loss and there is no guarantee that an investment product or strategy will meet its stated objectives.