TARGET RISK PORTFOLIO MODELS
Noble Street Target Risk Portfolios are constructed with an open architecture core menu of ETF's and a select group of Equities covering a full range of outcomes from seeking long-term growth to capital preservation. The underlying ETF's are managed by who I believe to be the best in-class manager for each type of investment. The core equities add high-quality Large, Mid and Small Cap Stocks to the equity portion of the portfolios. Noble Street Target Risk Portfolios are designed to replace a sub-optimal and redundant fund line up and outperform the market while reducing volatility and drawdown risk.
**Defined Contribution Plans
Noble Streets Target Risk Portfolio Models serve as a Qualified Default Investment Alternative (QDIA) to help Plan Sponsors minimize their fiduciary risk. Our Target Risk Portfolios are based on age brackets and designed to reduce downside risk as an Investor advances towards a retirement age of 65. I believe managing risk instead of selecting a target date is the simplest and most effective way to guide a hands-off Investor to a successful retirement.
Target Risk Portfolio Models are also a simple way for investors to more closely match a particular asset allocation model to their risk profiles. Once selected, the allocation model never changes. If an investors risk profile changes, we can simply shift your funds into a more appropriate model or maintain a combination of funds for a more gradual change. With a Target Risk Portfolio, you only have to select the right risk level.
Individual Investors
If you have more than one investment account as part of your portfolio a Target Risk Portfolio can offer you more flexibility based on your situation. For example, if you’re an older investor with the majority of your assets sitting in bond funds in a 401(k), a small allocation to an aggressive target risk portfolio in an IRA might be the right choice for you.
Noble Street Target Risk Portfolio Models are designed based on the number of years an investor has until retirement (age 65) and structured with the assumption that the investor will need income up to age 100. As with any portfolio I construct, I am always looking for funds and asset allocations that out perform their given benchmark while minimizing volatility and drawdown risk.
Click here for TARGET RISK PORTFOLIOS PERFORMANCE & METRICS
AGGRESSIVE PORTFOLIO 90/10
This model portfolio seeks to maintain an aggressive investment risk profile. It strives to grow capital by increasing exposure to higher-risk stock investments.
MODERATE AGGRESSIVE PORTFOLIO 80/20
This model portfolio seeks to maintain a moderately aggressive investment risk profile. It strives to generate moderate levels of income and the potential for capital growth by increasing exposure to higher-risk stock investments.
MODERATE PORTFOLIO 70/30
This model portfolio seeks to maintain a moderate investment risk profile. It strives for a balance between generating income and the potential for capital growth by maintaining similar levels of exposure between lower-risk bond investments and higher-risk stock investments.
CONSERVATIVE PORTFOLIO 60/40
This model portfolio seeks to maintain a moderately conservative investment risk profile. It strives to generate income and the potential for capital growth by increasing exposure to lower-risk bond investments while minimizing exposure to higher-risk stock investments.
INCOME PORTFOLIO 30/70
This model portfolio targets to maintain a conservative investment risk profile. It seeks to generate income and preserve capital by increasing exposure to lower-risk bond investments while minimizing exposure to higher-risk stock investments.
Portfolio Performance Compound Annual Growth Rate or CAGR represents past performance, which is not a guarantee of future results, data and other errors may exist. Investment returns and principal value will fluctuate, so that investors’ shares, when sold, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data cited. Before investing, consider your investment objectives, risks, fees and expenses, including Noble Streets fees. Past performance does not guarantee future results. Performance results displayed for Noble Street Target Risk Portfolios take into consideration management fees and fund expenses. This advisory service is not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Noble Street is not registered.
Performance data for the Model Portfolios assume reinvestment of dividends and capital gains with annual rebalancing, but not the effects of taxation or trading costs, if applicable. If dividends and interest were not reinvested the results would be considerably different. Performance data quoted represents past performance; past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance of the portfolio may be lower or higher than the performance quoted.
Past performance is not a guarantee of future returns and data and other errors may exist.
CAGR = Compound Annual Growth Rate
Std Deviation = Annualized standard deviation of monthly returns
Beta = The measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole
Alpha = The excess return of an investment relative to the return of a benchmark
R Squared (R2) = R-squared is a statistical measure that represents the percentage of a fund or security's movements that can be explained by movements in a benchmark index
Sharpe ratios are calculated and annualized from monthly excess returns over risk free rate (1-month t-bills)
Stock market correlation is based on the correlation of monthly returns
Drawdowns are calculated based on monthly returns
The backtested results include annual rebalancing of portfolio assets to match the specified allocation
The results use total return and assume that all received dividends and distributions are reinvested. Taxes and transaction fees are not included
**Noble Street act as a 3(38) Investment Management Fiduciary as set forth by ERISA when managing investments in a clients qualified retirement plan that is funded through payroll deduction. Noble Street and its Advisors are 3(21) Investment Advisor Fiduciaries as set forth by ERISA when helping participants in qualified retirement plans that are funded through payroll deduction and are Self-Directed by plan participants (401K, 403B, 457 DEFERRED COMP, SIMPLE IRA, SEP). For Self Directed Brokerage Account's Noble Street Advisors provide participants with quarterly investment recommendations based on the options available inside their plan or if allowed by plan options available through Noble Street, that they can use to manage their own retirement account. Recommendations are made to deploy new funds or if we believe a participant’s investment allocation should change in their qualified retirement account based on a change in their risk tolerance, time horizon or investment goals and objectives.
Noble Street nor its Investment Adviser Representatives do not have discretionary authority to act on behalf of plan participants, nor does Noble Street or its Investment Adviser Representative shave access, direct or indirect, to plan participant defined contribution accounts. The account holder can but has no obligation to provide the Investment Adviser Representative with full or limited trading authorization. If no trading authorization is granted by the account holder to the Investment Adviser Representative, the plan participants are responsible for implementing the recommendations provided by Noble Street or its Investment Adviser Representatives.
Before investing, consider your investment objectives, risks, fees and expenses, including Noble Streets advisory fees. Past performance does not guarantee future results. This advisory service is not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Noble Street is not registered. Ryan C. Davis is an Investment Advisor Representatives offering Investment Advisory Services through Noble Street Wealth Management, LLC., a Registered Investment Advisor, member FINRA.
Noble Street is the marketing name for Noble Street Wealth Management, LLC., a State Registered Investment Adviser, member FINRA. Fiduciary Fee-only Financial Planning and Consulting and Investment Management services are offered through Noble Street. Life and Disability Insurance, Annuities, Life Insurance with long-term care benefits, Long-Term Care Insurance and Employee Benefits are offered through Noble Street Financial, LLC., a licensed Life, Health and Accident Insurance Agency and affiliate of Noble Street.
In the course of assisting clients with constructing a comprehensive financial plan, Noble Street may recommend insurance products to a client, offered through Noble Street Financial, LLC. Clients are under no obligation to use Noble Street Financials' services and have the option to work with the insurance agent/agency of their choice. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial professionals. Not all products and services are available in all states.
The use of the term "Registered Investment Adviser" and description of Noble Street and/or our associates as "registered" does not imply a certain level of skill or training.