The following risk tolerance profiles are assigned to investors, as a result of the answers provided on the risk tolerance questionnaire. Profiles assigned to investors are as follows:
The conservative portfolios meet the needs of the investor seeking to preserve value by investing in securities that pose a lower risk. Investments include fixed-income, money market securities, and blue-chip or large-cap stocks. The portfolios were created to meet the objectives of risk-management and capital preservation, diversified with a blend of high-, medium-, and low-grade debt securities.
The moderately conservative portfolios target investors seeking preservation of principal, similar to the conservative investor, however is willing to accept a small amount of risk and volatility in return for the possibility of increased appreciation. We built the portfolios to address the need for a relatively sustainable capital preservation, while establishing diversification through a universe of global bonds.
The moderate portfolios meet the objectives of an investor who values a balance between risk reduction and enhanced returns. The portfolios seek to provide minimal risk to principal, modest long-term principal growth, and investments that have short- to mid-range horizon.
The MODERATE GROWTH portfolios were created to meet the needs of an investor who seeks returns that are both higher and longer term, and does so with the acceptance of a considerable amount of risk. Short-term fluctuations are accepted by this investor, in trade for the possibility
of long-term returns.
The MODERATELY AGGRESSIVE portfolios were built to address the needs of an investor whose primary value is that of higher long-term returns, with a willingness to accept significant risk. The portfolio is invested to favor high long-term returns over protection of principal.
The AGGRESSIVE portfolios seek to provide maximized returns coupled with substantial risk. The portfolios are a fit for investors who believe maximizing long-term results is more important than protecting principal and aren’t generally concerned with liquidity.