CAPITAL PRESERVATION
CASH 10%
BONDS 80%
STOCKS 10%
The primary focus is to maintain principal and generate income. There is little emphasis on growth. Income is derived from fixed income securities and perhaps income oriented stocks. The types of fixed income securities will vary depending upon tax considerations of the account. Account values will exhibit minimal fluctuation.
BALANCE & GROWTH
CASH 10%
BONDS 50%
STOCKS 40%
The emphasis is on income with reasonable equity exposure to keep ahead of inflation and provide modest growth of principal over time. Stocks of large-cap companies would dominate the account, but other stocks will be considered if appropriate. Moderate price fluctuation is likely.
GROWTH
CASH 10%
BONDS 20%
STOCKS 70%
The primary focus is to grow the portfolio with a blend of equities in large, mid, and small capitalized domestic companies with some international market exposure. Income is not a high consideration although bonds could comprise a portion of the account. This objective is the riskiest and fluctuations are likely to mirror that of the overall market.