Whole Portfolio Recommendation

Our whole portfolio recommendation is designed to attempt to meet investor economic and behavioral needs.

The portfolio aims to:

  • Advance with the market
  • Protect against losses
  • Lock in gains
  • Produce consistent returns

Uncover Our Approach

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Tactical Stocks

These portfolios move from attempting to track stock and bond indices to cash or short duration bonds as prices start to move lower. The strategies seek to re-enter markets once they start to rebound.

Because the strategy exits to cash, it is vulnerable to market underperformance if markets turn higher when the portfolios are in cash, but it also may be the least likely to experience extreme losses.

Defensive Stocks

Our defensive stock strategy attempts to provide a reliable way to participate in market gains. These portfolios seek to move into defensive stocks when prices start to decline, potentially reducing losses while remaining fully invested.

Because the strategy remains fully invested, it is vulnerable to losses. However, due to its ability to allocate into defensive stocks, the strategy may be less vulnerable to losses than the market as a whole.

Tactical Fixed Income

The bond portion of our portfolios is designed to adapt to negative market environments. Investment grade bond portfolios currently suffer from historically low yields. If interest rates increase, and we expect that they will, bonds can experience losses.

Our tactical fixed income portfolios may attempt to increase yields by allocating a portion to high yield bonds.

Additionally, if interest rates begin to rise, these portfolios seek to exit into more secure assets like short duration bonds or money market funds in an attempt to limit losses.

Always Invested Stocks

The always invested stock allocation attempts to provide a reliable, consistent way to participate in market gains by investing in a diversified portfolio of low-cost index funds, which tend to match market performance. Because that portion is always fully invested, it is susceptible to market losses. Full participation in rising markets implies full participation in market losses.

How We Build Portfolios