|
 Model
Investment Mix
We have developed several model investment
mixes that represent different ways of allocating your savings and investment
dollars among cash (savings), fixed income and equities (growth).
These range from a conservative
plan aiming for capital protection to a more aggressive plan which
looks for maximum growth.
| The
Cornerstone model investment portfolios reflect the following risk
types: |
| Conservative |
Focused |
Moderate |
Aggressive
|
 |
 |
 |
 |
| Income |
Balanced |
Growth |
Growth + |
Savings
10%
Income 70%
Growth 20%
Foreign exposure 10% |
Savings
5%
Income 75%
Growth 20%
Foreign exposure 35% |
Savings
5%
Income 30%
Growth 65%
Foreign exposure 45% |
Savings
5%
Income 15%
Growth 80%
Foreign exposure 55% |
| Foreign
exposure is an estimate of weighting in International Balance fund. |
Financial markets and business cycles
change as do your needs and circumstances. That is why having an
investment objective of simply building the “right” portfolio
is not enough.
It is important to monitor the investment
mix regularly which allows you to make the changes that become necessary
as your financial goals and needs alter. By choosing Fiscal Agents Cornerstone®
Planning process, you can rest assured because it is designed to do just
that!
When reviewing your investment plan
with you, we may suggest some re-balancing if your goals have changed
or your allocation weightings have been altered due to asset performance.
This ensures that your actual portfolio is in line with your original
plan or new goals. Time horizons often change as long-term goals become
medium and then short-term, which may require a change in investment strategy
and asset mix. Converting growth type investments to income should be
done with market foresight to be of optimum benefit to you.
Of course, we understand that not
everyone has the same investment temperment and we also know that friction
can occur with couples with different risk tolerances who are working
toward the same goals. If this should be the case, we recommend that the
Cornerstone® Planning process be applied to
create separate investment portfolios. That way, both parties stay happy!
Risks & Rewards |
Inflation |
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