Portfolio
Edward Jones Portfolio Challenge
Investment Policy Statement
For
Mr. and Mrs. Smith
March 5, 2010
EXECUTIVE SUMMARY
Team Guardian ~ strength, long-term commitment, and growth.
Purpose and Goals • Provide the clients with an investment solution that focuses on long term growth while not losing sight of important life events taking place within the next few years. • Provide the customers with a higher level of service than they are accustomed to. • Attempt to restore and ensure the customers’ confidence towards investing their assets. • Provide adequate level of additional income for the clients. • Propose a portfolio that provides the best probability of achieving the customer’s goals, while taking into consideration, among other things the customers’ risk tolerance, time horizon, and life stage. • Choose investments with tax benefits when possible • Provide an investment solution that pursues growth while avoiding excess risk. • Diversify the portfolio as much as possible given investment constraints
Investment and Return Objective
Team Guardian is proposing a portfolio with a Growth Focus. We attempt to provide a selection of quality equity holdings and a laddered portfolio of Income holdings. In order for the clients to maintain access to cash we will also recommend a high yield savings account.
This decision was based on the following goals and factors: • The customers have an investment horizon spanning over 37 years. • Investor Risk Tolerance is Medium. • Investor Life Stage is Good Earnings Years. • Clients have significant life events in the short term • Clients have not established specific goals for retirement
As you enter the later stages of your investment horizon, your portfolio will gravitate away from equity and towards income & cash. By the time you enter your late retirement years, your portfolio objective will have changed
Investment Policy Statement
For
Mr. and Mrs. Smith
March 5, 2010
EXECUTIVE SUMMARY
Team Guardian ~ strength, long-term commitment, and growth.
Purpose and Goals • Provide the clients with an investment solution that focuses on long term growth while not losing sight of important life events taking place within the next few years. • Provide the customers with a higher level of service than they are accustomed to. • Attempt to restore and ensure the customers’ confidence towards investing their assets. • Provide adequate level of additional income for the clients. • Propose a portfolio that provides the best probability of achieving the customer’s goals, while taking into consideration, among other things the customers’ risk tolerance, time horizon, and life stage. • Choose investments with tax benefits when possible • Provide an investment solution that pursues growth while avoiding excess risk. • Diversify the portfolio as much as possible given investment constraints
Investment and Return Objective
Team Guardian is proposing a portfolio with a Growth Focus. We attempt to provide a selection of quality equity holdings and a laddered portfolio of Income holdings. In order for the clients to maintain access to cash we will also recommend a high yield savings account.
This decision was based on the following goals and factors: • The customers have an investment horizon spanning over 37 years. • Investor Risk Tolerance is Medium. • Investor Life Stage is Good Earnings Years. • Clients have significant life events in the short term • Clients have not established specific goals for retirement
As you enter the later stages of your investment horizon, your portfolio will gravitate away from equity and towards income & cash. By the time you enter your late retirement years, your portfolio objective will have changed