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Your investment portfolio
can put you on the path toward financial freedom. And right now, you probably feel
confident in the investments you have selected. However, if you are like most people,
when the market and the economy begin to change, natural questions soon arise:
WHEN should I make changes
to my portfolio?
WHERE should I invest
my money?
HOW do I know which investment
vehicles are right for me?
That's where CLS Investments, LLC fits in. CLS can help you make difficult investment
decisions, like when, where and how to invest the dollars in your mutual fund
or variable annuity portfolio. This service is called
Individualized Account Management (IAM).
IAM Methodology
IAM uses CLS' risk budgeting methodology to determine when, where and how your assets
should be invested. The assets within the IAM portfolios are made up of your existing
mutual fund and or variable annuity assets. When market conditions change, CLS will
reallocate your assets within your mutual fund family or annuity sub-accounts to
help you take advantage of favorable market trends and avoid areas of the market
that are underperforming.
Benefits of the IAM Investment Strategy
- Maintain current investment vehicles
- Increase diversification by investing in multiple asset classes
- Control volatility/risk
- Potential for capital appreciation
- Professional management based on personal risk budget
Risk Budgeting
We BELIEVE risk budgeting is a critical element in creating client
portfolios. Your risk budget will be based on your individual financial goals, ability
to handle risk and overall time horizon. Once a budget has been assigned, that risk
cannot be over-spent nor can it be underused. Risk budgeting manages the level of
risk within your portfolio.
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