INCOME-PLUS Approach: |
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Security types: | Individual Bonds, ETFs, and Institutional class mutual funds. |
Style: | Investment Grade Quality with Laddered Maturities as well as tactical positions in specific fixed income sectors (including international and emerging markets) when appropriate |
Asset Selection: | Bonds are selected based upon liquidity, yield, maturity, independent ratings, and strong company fundamentals |
Diversification: | Normally, multiple domestic economic sectors as defined by S&P are represented as well as international and emerging markets positions when appropriate |
Composition: | The portfolio typically consists of 5 to 15 individual bond issues as well as various international and emerging market ETFs and mutual funds |
MUTUAL FUNDS & ETFs Approach: |
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Security types: | Institutional class mutual funds (with no loads and reduced expense ratios) and ETFs |
Style: | Investment Grade Quality as well as tactical positions in specific fixed income sectors (including international and emerging markets) when appropriate |
Asset Selection: | Funds are selected based upon each fund’s composition, as well as the fund manager’s historical track record for actively managed funds |
Diversification: | Utilization of diversified mutual funds, as well as ample diversification of the total portfolio, including international and emerging markets positions when appropriate |
Composition: | The portfolio typically consists of multiple Mutual Funds and ETFs including domestic international and emerging markets. |