United States
Aims to provide wealth preservation through lower risk investments.
The Conservative Portfolio aims to minimize risk while growing your assets over time. This plan invests in lower-risk options designed to preserve your capital and protect what you’ve saved.
It’s a solid choice for those who prioritize safety and want to limit the potential for loss while aiming for slow, steady growth.
The Conservative Growth Portfolio offers a diversified mix of exchange-traded funds (ETFs) across various asset classes, aiming to balance growth, income and risk management.
U.S. Equities: Includes large-cap stocks (SPY), small-cap stocks (SPSM), and mid-cap stocks (MDY), providing exposure to U.S. companies across different sizes and industries.
International Equities: Offers global diversification with investments in developed markets outside the U.S. (SPDW) and emerging markets (SPEM), helping capture growth opportunities worldwide.
Real Estate: The global real estate ETF (RWO) provides diversification and income potential by investing in real estate companies and REITs around the world.
Commodities: The diversified commodities ETF (PDBC) provides exposure to a range of commodities, helping protect against inflation and adding diversification beyond stocks and bonds.
Bonds: Includes a diverse mix of bond ETFs for income and stability: U.S. investment-grade bonds (SPAB) for broad, high-quality exposure; TIPS (TIPX) to hedge against inflation; short-term corporate (SPSB) and Treasury bonds (SPTS) for lower risk and interest sensitivity; senior loans (SRLN) for floating-rate income; high-yield bonds (SPHY) for greater income potential; and emerging market bonds (EMHC, EBND) for added yield and currency exposure.
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Your investment can go down as well as up.
