Global Conservative

This portfolio applies global diversification, which we believe may see lower volatility over time and expanded investment opportunities for growth because it reduces concentration in one geographical region. This conservative portfolio is best suited for investors with shorter time periods, typically less than five years, or more important goals. It emphasizes defensive asset classes such as Treasury bonds and cash while holding little or no volatile investments such as stocks.

Global Moderately Conservative

This portfolio applies global diversification, which we believe may see lower volatility over time and expanded investment opportunities for growth because it reduces concentration in one geographical region. This portfolio is appropriate for investors with a lower risk tolerance or shorter time period. This portfolio has slightly more stocks than the most conservative portfolios, but emphasizes less volatile asset classes such as bonds and cash.

Global Moderate

This portfolio applies global diversification, which we believe may see lower volatility over time and expanded investment opportunities for growth because it reduces concentration in one geographical region. This portfolio is designed for investors with longer time periods and moderate risk tolerance. The stock allocation is notably larger than more conservative offerings, but the portfolio includes more stable bonds and cash to help moderate volatility.

Global Moderate Growth

This portfolio applies global diversification, which we believe may see lower volatility over time and expanded investment opportunities for growth because it reduces concentration in one geographical region. This portfolio is better suited for investors with longer time periods and some propensity for risk. The stock allocation is higher than average, as it is designed for growth. The bond allocation includes more stable asset classes such as Treasury bonds but also includes high yield bonds and emerging markets bonds, which can be more volatile but provide diversification and upside potential.

Global Growth

This portfolio applies global diversification, which we believe may see lower volatility over time and expanded investment opportunities for growth because it reduces concentration in one geographical region. This aggressive portfolio is designed for growth and is for investors with longer time periods or greater risk tolerance. It has a large allocation to volatile asset classes such as stocks, emerging markets bonds and high yield bonds. Cash and precious metals help provide some stability and diversification, respectively.

Global Aggressive Growth

This portfolio applies global diversification, which we believe may see lower volatility over time and expanded investment opportunities for growth because it reduces concentration in one geographical region. This is a very aggressive portfolio designed for higher growth and is best suited for investors with longer time periods and high risk tolerance as it is likely to experience bouts of volatility. It emphasizes volatile assets such as stocks and has minimal defensive asset classes such as cash.

U.S. Focused Conservative

A portfolio with less exposure to international economies for those with a preference for U.S.-domiciled investments. This conservative portfolio is best suited for investors with shorter time periods, typically less than five years, or more important goals. It emphasizes defensive asset classes such as Treasury bonds and cash, while holding little or no volatile investments such as stocks.

U.S. Focused Moderately Conservative

A portfolio with less exposure to international economies for those with a preference for U.S.-domiciled investments. This portfolio is appropriate for investors with a lower risk tolerance or shorter time period. This portfolio has slightly more stocks than the most conservative portfolios but emphasizes less volatile asset classes such as bonds and cash.

U.S. Focused Moderate

A portfolio with less exposure to international economies for those with a preference for U.S.-domiciled investments. This portfolio is designed for investors with longer time periods and moderate risk tolerance. The stock allocation is notably larger than more conservative offerings, but the portfolio includes more stable bonds and cash to help moderate volatility.

U.S. Focused Moderate Growth

A portfolio with less exposure to international economies for those with a preference for U.S.-domiciled investments. This portfolio is better suited for investors with longer time periods and some propensity for risk. The stock allocation is higher than average, as it is designed for growth. The bond allocation includes more stable asset classes such as Treasury bonds as well as other core fixed income investments.

U.S. Focused Growth

A portfolio with less exposure to international economies for those with a preference for U.S.-domiciled investments. This aggressive portfolio is designed for growth and is for investors with longer time periods or greater risk tolerance. It has a large allocation to volatile asset classes such as stocks and moderate allocations to core fixed income investments and cash.

U.S. Focused Aggressive Growth

A portfolio with less exposure to international economies for those with a preference for U.S.-domiciled investments. This is a very aggressive portfolio that emphasizes stocks, along with a small allocation to cash. It is designed for higher growth and is best suited for investors with longer time periods and high risk tolerance as it is likely to experience bouts of volatility.

Income Focused Conservative

This portfolio features investments that pay out a higher percentage of their earnings to investors in the form of interest or dividend payments. These strategies include more exposure to so-called “blue-chip” companies and also include higher yielding asset classes such as preferred stocks, master-limited partnership, bank loans, and short-term floating-rate notes. This conservative portfolio is best suited for investors with shorter time periods, typically less than five years, or more important goals. It emphasizes defensive asset classes such as Treasuries and cash, while holding little or no volatile investments such as stocks.

Income Focused Moderately Conservative

This portfolio features investments that pay out a higher percentage of their earnings to investors in the form of interest or dividend payments. These strategies include more exposure to so-called “blue-chip” companies and also include higher yielding asset classes such as preferred stocks, master-limited partnership, bank loans, and short-term floating-rate notes. This portfolio is appropriate for investors with a lower risk tolerance or shorter time period. This portfolio has slightly more stocks than the most conservative portfolios, but emphasizes less volatile asset classes such as bonds and cash.

Income Focused Moderate

This portfolio features investments that pay out a higher percentage of their earnings to investors in the form of interest or dividend payments. These strategies include more exposure to so-called “blue-chip” companies and also include higher yielding asset classes such as preferred stocks, master-limited partnership, bank loans, and short-term floating-rate notes. This portfolio is designed for investors with longer time periods and moderate risk tolerance. The stock allocation is notably larger than more conservative offerings, but the portfolio includes more stable bonds and cash to help moderate volatility.

Target Asset Allocation

Donut Chart: Stocks 19%; Fixed Income: 57%; Commodities: 1%; Cash: 23%; Donut Chart: Stocks 36%; Fixed Income: 49%; Commodities: 1%; Cash: 14%; Donut Chart: Stocks 49%; Fixed Income: 38%; Commodities: 1%; Cash: 12%; Donut Chart: Stocks 64%; Fixed Income: 25%; Commodities: 2%; Cash: 9%; Donut Chart: Stocks 79%; Fixed Income: 12%; Commodities: 2%; Cash: 7%; Donut Chart: Stocks 94%; Fixed Income: 0%; Commodities: 0%; Cash: 6%; Donut Chart: Stocks 19%; Fixed Income: 58%; Commodities: 0%; Cash: 23%; Donut Chart: Stocks 35%; Fixed Income: 51%; Commodities: 0%; Cash: 14%; Donut Chart: Stocks 50%; Fixed Income: 38%; Commodities: 0%; Cash: 12%; Donut Chart: Stocks 64%; Fixed Income: 27%; Commodities: 0%; Cash: 9%; Donut Chart: Stocks 78%; Fixed Income: 15%; Commodities: 0%; Cash: 7%; Donut Chart: Stocks 94%; Fixed Income: 0%; Commodities: 0%; Cash: 6%; Donut Chart: Stocks 0%; Fixed Income: 71%; Commodities: 0%; Cash: 29%; Donut Chart: Stocks 25%; Fixed Income: 60%; Commodities: 0%; Cash: 15%; Donut Chart: Stocks 40%; Fixed Income: 47%; Commodities: 0%; Cash: 13%;

Visuals are for illustrative purposes

Historical Portfolio Performance (as of 3/31/24)

Past performance does not guarantee future results

Bar Chart: 1 Year 5.61%; 3 Year 0.73%; 5 Year 3.25%; Since Portfolio Inception 2.84% Inception Date: 3/31/15 Bar Chart: 1 Year 7.95%; 3 Year 1.50%; 5 Year 4.39%; Since Portfolio Inception 4.03% Inception Date: 3/31/15 Bar Chart: 1 Year 10.38%; 3 Year 2.38%; 5 Year 5.44%; Since Portfolio Inception 5.01% Inception Date: 3/31/15 Bar Chart: 1 Year 12.41%; 3 Year 3.09%; 5 Year 6.52%; Since Portfolio Inception 5.87% Inception Date: 3/31/15 Bar Chart: 1 Year 14.81%; 3 Year 3.80%; 5 Year 7.55%; Since Portfolio Inception 6.63% Inception Date: 3/31/15 Bar Chart: 1 Year 17.04%; 3 Year 4.74%; 5 Year 8.45%; Since Portfolio Inception 7.34% Inception Date: 3/31/15 Bar Chart: 1 Year 5.74%; 3 Year 0.87%; 5 Year 3.60%; Since Portfolio Inception 3.55% Inception Date: 9/30/18 Bar Chart: 1 Year 9.03%; 3 Year 2.07%; 5 Year 5.02%; Since Portfolio Inception 4.42% Inception Date: 8/31/18 Bar Chart: 1 Year 12.20%; 3 Year 3.62%; 5 Year 6.78%; Since Portfolio Inception 6.33% Inception Date: 4/30/18 Bar Chart: 1 Year 14.90%; 3 Year 4.66% 5 Year 8.17%; Since Portfolio Inception 6.91% Inception Date: 9/30/18 Bar Chart: 1 Year 18.00%; 3 Year 5.83%; 5 Year 9.63%; Since Portfolio Inception 8.14% Inception Date: 9/30/18 Bar Chart: 1 Year 21.50%; 3 Year 7.45%; 5 Year 11.28%; Since Portfolio Inception 9.79% Inception Date: 6/30/18 Bar Chart: 1 Year 3.14%; 3 Year -0.61%; 5 Year 0.99%; Since Portfolio Inception 1.37% Inception Date: 6/30/15 Bar Chart: 1 Year 5.23%; 3 Year 1.05%; 5 Year 3.14%; Since Portfolio Inception 3.21% Inception Date: 3/31/15 Bar Chart: 1 Year 7.02%; 3 Year 2.23%; 5 Year 4.30%; Since Portfolio Inception 4.37% Inception Date: 3/31/15

All performance returns for periods over 12 months are annualized