Globally Diversified Portfolios

Our Globally Diversified Portfolios (see table below) are broadly diversified across asset classes, investment styles, and mutual funds.  They are designed for use as stand-alone “total portfolio” solutions or as the core element of a broader portfolio that may include more specialized holdings such as real estate rental properties.  In particular, these portfolios are designed to provide relatively consistent returns when market conditions are favorable, and to limit losses during difficult market conditions.
We specialize in helping clients select what our research shows to be the best portfolio for their unique needs.  The main tradeoff is between risk and return.  In general, portfolios that contain a higher percentage of stocks are more volatile (i.e., more “risky”), but they also offer higher expected returns over the long term.  For many people, the relevant questions to ask include:

• Is an aggressive, high-return portfolio really needed to achieve my financial goals?

• How much volatility am I willing and able to accept? 

• What portfolio would get the job done with the minimum amount of risk? 

 The answers to these questions are not obvious.  We can help sort through the tradeoffs in a logical and straightforward way.

 The five Globally Diversified Portfolios described below cover a broad range of risk-return combinations.  Most people’s needs fall within this range.  All of our portfolios are designed to achieve specific return objectives over the long-term, but always within specified parameters for downside risk. 

Example Return Expectations

See notes below. Please Contact Us for a list of current return expectations.
 Portfolio Strategy Example Return


Expected Range of

1-Year Returns2

Capital Preservation  3.7% -2% to +11%
Conservative 4.9% -5% to +16%
Balanced 5.9% -10% to +24%
Growth & Income 6.5% -15% to 32%
Long-Term Growth 6.8% -20% to +41%
1Long-Term Return Expectations do not represent predictions of actual future returns.
Expectations and actual future performance depend on market conditions that prevail at the time.  Returns shown are examples of the long-term targets for our non-taxable discretionary portfolios as determined at a particular point in time.    Expected returns do not account for advisor fees and other investment-related expenses, which will detract from actual returns.  Nor do they account for any additional return that may be provided by the individual fund managers.  Expectations are expressed as “nominal” returns, which means they include a forecast for inflation.  As a result, whenever inflation is expected to be lower than average, expected future returns will likewise be lower than average.
2Expected Range of 1-Year Returns.  We expect portfolio returns for any single year to fall within the ranges shown approximately 90% of the time. Note that the range of variability narrows as measuring periods grow longer.  In other words, the probability of experiencing a negative total return is lower the longer a portfolio is invested.