ASSET ALLOCATION

Asset allocation is the approach we use to creatively balance your risk tolerance level and your long-term objectives.

Asset allocation essentially means diversifying your portfolio and maintaining a particular proportional distribution across different investment vehicles or “classes” of assets.

Your unique plan is likely to consist of strategically chosen investment opportunities from among these six broad asset classes:

• Money market instruments 
• U.S. bonds 
• International bonds 
• U.S. common stocks 
• International common stocks 
• Real Estate Investment Trusts

These asset categories are preferable because reliable long-term risk and return statistics are available. Through offering differing types of risk/return tradeoffs, investors’ unique needs and objectives are better achieved.

We use a structured dollar-cost averaging approach when investing your funds. Our team closely monitors your portfolio, adjusting the asset allocation among the categories as needed to remain true to your formal Investment Policy Statement.