AssetBuilder’s Portfolio Selection
Because no two investors are alike, AssetBuilder offers clients a range of Model
Portfolios to choose from. Each Model Portfolio is designed to offer an optimized
asset allocation based on varying levels of risk.
Your Investment Objectives and Risks
While some clients establish their investment objectives and guidelines on their
own, many rely on advisors other than AssetBuilder such as tax advisors, attorneys
and financial planners. In setting your investment objectives, each investor has
their own financial situations, investment time horizon, funding strategy, investment
experience, tax status, risk tolerances, goals, and other life circumstances that
dictate the constructed weightings of asset classes in their Model Portfolio.
We recommend you consider which of the following risk profiles is best suited for
- Conservative — portfolios managed to achieve targeted
reasonable return at a minimal risk of loss. It is more likely to be a distributing
portfolio than an accumulating portfolio, but may be necessary for accumulators
who face major job changes or other risks.
- Capital Preservation
- Moderate — portfolios managed to achieve growth at reasonable
risk of loss. It could be the accumulating portfolio or one making modest distributions.
It is best for people whose life circumstances make them somewhat cautious.
- Aggressive — portfolios managed to achieve growth. It
often has new money being added regularly or can be drawn from on a discretionary
basis. It is designed to have an above average return but can face declines resulting
in losses greater than its expected annual return.
I chose my risk profile what’s next
Once your objectives and guidelines are established and you are seeking a particular
investment goal, we found the following information helpful:
In helping you find an investment goal through an AssetBuilder Model Portfolio,
the following is a range of objectives that map to a specific investment goal and
a range of guidelines that express your investment risk.
A capital preservation investment strategy reflects your desire to avoid risk and
loss of principal. It may also mean you intend to invest over a short period of
A stable investment strategy reflects your desire to see lower, more stable returns
while avoiding high risk. It may also mean that you’re planning to invest over a
short period of time.
A balanced investment strategy reflects your desire to seek the potential for growth.
You’re moderately tolerant of risk and plan to invest for a medium/long period of
A growth investment strategy reflects your desire to seek potential investment growth
as well as your tolerance for market fluctuations and risk. You’re probably planning
to invest over a long period of time.
An aggressive growth investment strategy reflects your desire for potentially substantial
investment growth as well as your tolerance for large market fluctuations and increased
risk of loss. You’re probably planning on investing over a long period of time.
I’m still not sure where I belong
That's ok. That's what AssetBuilder is here for. If you are having difficulties
deciding on what portfolio you belong in please take our
survey to calculate your risk and narrow your choices to three. If you're still
having issues with the three choices click the let's get some information button,
enter your information, and someone on our team will contact you within three business
days to help you with your decision.
AssetBuilder’s recommendations are made without considering potential tax consequences
to the client. The client is responsible for any tax liabilities resulting from
transactions (including any arising from the addition of assets to or withdrawal
of assets from the client’s account). Clients are urged to seek the advice of qualified
tax professionals and to use all available resources to continue to educate themselves
about investing in general, as well as the investments and portfolio composition
recommended by AssetBuilder.