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Representative Risk Models

Based on the analysis and substantial back-testing, the Premier Program offers five risk Models, ranging from Conservative to Aggressive. Your Adviser will work with you to assess your specific investment objectives and financial situation. Based upon those conversations and formal assessments, your Adviser will create a formal Proposal which will recommend one or several Portfolios within a corresponding risk Model that most closely align with your long-term financial goals and risk profile.
Conservative Moderately conservative Moderate Moderately aggressive Aggressive

Asset Allocation 

20% domestic equity
80% diversified across fixed income and cash

Asset Allocation 

35% equity including international markets
65% diversified across fixed income and cash

Asset Allocation 

55% equity including international markets
45% diversified across domestic and international fixed income and cash

Asset Allocation 

70% equity including international markets
30% diversified across domestic and international fixed income and cash

Asset Allocation 

90% equity including international markets
10% diversified across domestic and international fixed income and cash

Investor Goal 

Preservation of capital and income

Investor Goal

Preservation of real spending ability while limiting downside losses

Investor Goal

Growth of capital while recognizing that there can be some inter-period volatility

Investor Goal

Capital appreciation, not income; recognizes that there will be periods of market volatility

Investor Goal

Income is not a consideration; able to withstand significant market downturns, with a long-term goal of capital appreciation

Risk Tolerance 

Conservative investor who has limited ability to suffer portfolio losses and may have a short investment time horizon

Risk Tolerance 

Conservative to Moderate investor who has a limited investment time horizon of 5 years or less

Risk Tolerance 

Moderate investor whose investment time horizon is 5-10 years

Risk Tolerance 

Moderate to Aggressive investor who has an investment time horizon of at least 10 years

Risk Tolerance 

Aggressive investor who has a long investment time horizon

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