Model Portfolio Allocations
This password-protected section of our web site is exclusive to our Direct Mutual Fund and Variable Annuity clients. To obtain the Password please contact your Registered Representative by phone at (800) 345-7593.
As a value added service, we provide Model Portfolio Allocations (free of charge) for the mutual fund families and variable annuities offered through Nelson Securities, Inc. The Model Portfolio Allocations are risk tolerance-based models that are derived from the research conducted by our Investment Advisory arm, Wealth Asset Managers, and are updated as market conditions warrant.
To access the current models simply click on the link below and enter the Password. Toll-free numbers are provided for each mutual fund family and variable annuity to change your allocation. Nelson Securities, Inc. is not responsible for making investors` allocation changes. The Recommended Allocations are also available by telephone through Nelson Securities, Inc.ís Mutual Fund and Annuity Hotlines at 1(800) 487-4147.
Risk and our Recommended Model Portfolio Allocations
Risk levels in our Direct Mutual Fund and Variable Annuity model portfolios are based on long-term investment objectives on a scale of 2 to 10, with 2 being the lowest risk and 10 being the highest risk. Investments in the financial markets carry principal risk and fluctuate in value. There is a risk-reward relationship with investing. More conservative investments typically have less volatility and lower risk of loss but also have lower return potential. On the other hand, aggressive investments have higher return potential but carry more volatility and risk of loss, especially in the short-term. While investors with longer investment time frames can afford to be more aggressive with their investments because time itself can lower the risk of loss, we encourage our clients to invest based on their personal tolerance for risk.
Risk Objective Key for Direct Fund and Variable Annuity Model Portfolios
Conservative (Risk Level 2-4)
The goal of this style is to achieve modest capital appreciation with interest and dividend income as a secondary objective and is similar in design to our Total Return managed accounts. Portfolio will attempt to provide investors with below-market volatility and more consistent annual returns.
Approximate Allocation: 40% Stocks and 60% Bonds
Moderate (Risk Level 5-6)
The goal of this style is to achieve a balance of capital appreciation and modest income potential and is similar in design to our Strategic Asset Balanced managed accounts. Portfolio will be moderately volatile and subject to greater fluctuations in annual returns.
Approximate Allocation: 60% Stocks and 40% Bonds
Moderate-Aggressive (Risk Level 7-8)
The goal of this style is to achieve significant capital appreciation by predominantly investing equities and is similar in design to our Capital Growth managed accounts. Portfolio invests modestly in bonds to dampen volatility somewhat, and dividend income is a low to modest objective. Portfolio will be fairly volatile and subject to greater fluctuations in annual returns. Systematic withdrawals are not recommended.
Approximate Allocation: 80% Stocks and 20% Bonds
Aggressive (Risk Level 9-10)
The goal of this style is to achieve maximum return potential for the investor with a long-term capital appreciation objective and is designed to be fully invested, primarily in equity mutual funds. Portfolio could be subject to periods of significant volatility and high fluctuations in annual returns. Systematic withdrawals are not recommended.
Approximate Allocation: 100% Stocks
401(k) Advisor, Direct Mutual Fund and Variable Annuity Sub-Account Style Key
Large-Cap Growth (L-C G)
Health Funds (Health)