Conservative Income Builder / CIB

Investment Objective

Seeks to provide income & growth consistent with capital preservation.

Implementation: Advantage

Bonds, Stocks & ETFs

Implementation: ETF Advantage

ETFs Only

Benchmark

30% S&P 500 Index TR
70% Bloomberg Barclays US Aggregate Bond Index TR

Time Horizon

3 - 5 Years

BALANCED SOLUTION

Portfolio Overview

Seeks to provide attractive current income and modest potential for that income to grow over time primarily through investments in fixed income securities supplemented by equity securities. The portfolio will include fixed income instruments designed to dampen shorter term portfolio volatility.

The portfolio’s 3-5 year investment horizon typically results in the majority of portfolio assets allocated to relatively low-risk investments, with upside opportunities enhanced by an allocation to some higher risk assets with better long-term return potential, in our view. The 3-5-year horizon of this portfolio indicates that short term asset protection may sometimes need to be emphasized, even at the risk of reducing long term appreciation potential.

INVESTOR OUTCOME

Sustain ~ More Conservative

Goal: Prepare
Outcome: Growth/Income

Investors who want some growth of capital and are especially anxious not to see significant swings in their portfolio value should consider CIB during the sustain phase. With a 30/70 benchmark between stocks and bonds this portfolio is designed with a ‘safety first’ mindset.

Distribute ~ More Conservative

Goal: Spend | Outcome: Income

With a 30/70 benchmark between stocks and bonds this portfolio is managed with a ‘safety first’ mindset. CIB is designed for investors who have conservative assumptions built into their retirement plans and so do not need to reach for yield or returns.