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In order to meet the needs of different investors, ShareOwner offers a range of Model Portfolios to choose from.
So how do you decide which portfolio is right for you?

The answer boils down to an analysis of:
  1 Your savings goals (i.e. how much money you presently have versus what you estimate you will need in the future)
  2 Your time horizon (i.e. when you will need the money)
  3 Your willingness to accept risk (i.e. how comfortable you are with the possibility that if you purchase a riskier investment you could lose some or all of your principal).

If you need to spend your money in less than a year, a savings account might be the best place for it, because you're guaranteed to get back the same amount that you put in. When you invest in stocks and bonds, you're not guaranteed to get your principal back. The fact that you are taking more risk correlates with the result that, while your account balance may fall in the short term, you'll likely earn higher returns over the long term.

No matter which portfolio you choose, you always have the option to switch to a different portfolio,
should your situation or needs change.

 
Understanding Risk vs. Return
When choosing your Model Portfolio, it is also important to understand the typical tradeoff between risk and return. For example, the Aggressive Growth portfolio might have an expected annual return of 7% to 10% over the long-term (based on historical returns since 1925 and expected future returns), but there could be annual periods where the return was as high as 50% or as low as -50%. On the other hand, the Conservative portfolio would have a lower expected long-term annual return of 2% to 5% (based on historical experience and prevailing interest rates), but there would be much less variability and the typical annual returns might range from a high of 15% to a low of -5%.

Investor Profiles
When selecting a Model Portfolio, we would suggest that you consider which of the following profiles
best describes yourself:

Type of Investor Investor Profile Model Portfolios to Consider
Conservative   You may need money during the next three years to finance retirement, the purchase of a house, or an education. Your primary investment objective is capital preservation, not growth of capital. You have a low tolerance for risk and portfolio fluctuations make you uncomfortable. You are prone to selling assets when they fall in price. You are seeking mostly income from your portfolio. You are willing to settle for a relatively low rate of return in exchange for a greater degree of certainty about that return. Conservative Portfolio
Moderate You’re moderately tolerant of risk and plan to invest for a medium/long period of time. You may have some liquidity needs during the next five to ten years. You want some income combined with a moderate amount of capital growth. You desire to grow your capital at a rate slightly faster than inflation, but understand that the portfolio may fluctuate moderately to achieve that goal. Income Portfolio 

Balanced Portfolio
Aggressive   You are investing for longer term goals (e.g. retirement) and have little to no requirement for spending your money during the next five to ten years. Your primary investment objective is growth of capital, with only minimal or no income. You have a higher risk tolerance and you are comfortable with watching your portfolio fluctuate significantly in order to achieve the highest possible rate of return in the long run. You are not prone to selling assets that have recently performed poorly. Growth Portfolio 

Aggressive Growth Portfolio


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