Capital Preservation & Income Strategies

Income & Capital Preservation: Typically between 0%-35% is invested in equities funds and a minimum of 65% in bond funds (including any cash). The primary objective of this is income. Equity funds reduce the risk of inflation and generate dividend income. Bond funds produce interest income and lower overall risk.  The investment time frame is at least 5 years.  This strategy has both limited volatility and also limited growth. The emphasis is on current income, the safety of the principal, and keeping pace with inflation.

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Low Risk & Safe: Typically 100% of this strategy is invested in bond funds (Including any cash). The primary objective of this is protecting the principal and the secondary objective is income.  The investment time frame is at least 5 years. This strategy has limited volatility and no growth. The emphasis is on the preservation of capital.