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Risk Tolerance Profiles

Preservative

Investors with a Preservative risk tolerance are extremely risk-averse and prioritize the safety of capital above all else. Their focus on protecting their initial investment lead to avoidance of any significant investment risk. These investors prefer ultra-safe, low-volatility instruments like government bonds, savings accounts, certificates of deposits (CDs), and money market funds. They generally are uninterested in equities or any other volatile assets.

Suggested Asset Allocation

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  • Cash: 25.00%

  • US Equities: 13.50%

  • International Equities: 5.00%

  • Emerging Markets: 1.00%

  • Real Estate: 0.50%

  • US Bonds: 49.50%

  • International Bonds: 5.50%

  • Other: 0.00%

US Equity Allocation

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  • Large Cap Growth: 5.75%

  • Large Cap Value: 5.75%

  • Mid Cap: 1.00%

  • Small Cap: 1.00%

US Fixed Income Allocation

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  • Large Cap Growth: 5.75%

  • Large Cap Value: 5.75%

  • Mid Cap: 1.00%

  • Small Cap: 1.00%

Conservative

Conservative investors are cautious and prioritize capital preservation, but are willing to accept some level of risk for moderate returns. They typically favor stable, income-producing assets like high-quality corporate bonds, dividend paying stocks, and balanced mutual funds. Conservative investors tend to aim for stable, reliable returns and avoid high-risk assets while minimizing exposure to market fluctuations.

Suggested Asset Allocation

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  • Cash: 15.00%

  • US Equities: 22.50%

  • International Equities: 8.50%

  • Emerging Markets: 2.50%

  • Real Estate: 1.50%

  • US Bonds: 44.75%

  • International Bonds: 5.25%

  • Other: 0.00%

US Equity Allocation

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  • Large Cap Growth: 9.50%

  • Large Cap Value: 9.50%

  • Mid Cap: 1.75%

  • Small Cap: 1.75%

US Fixed Income Allocation

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