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At Northwest Investment Counselors, the most important planning decision we will help you make is asset allocation. After all, it's the single most significant factor in determining your future risk and return. Below are some highlights of our current models.
Growth — High Risk — Appropriate for those early in their wealth accumulation stage who can afford to weather market fluctuations.
The Growth strategy is a diversified investment portfolio structured to maximize long-term growth of capital.
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Example
Mike and Deborah are in their mid forties. Mike has just been promoted to vice president of his company. They have two children in grade school. They've tried to put money away for retirement but until recently had only saved the minimum. Deborah recently inherited a substantial amount of money, some of which they used to pay off the mortgage on their home. The rest they plan to put towards retirement. With the added income from Mike's promotion and Deborah's inheritance, Mike and Deborah are now looking to get serious about securing their own financial future.
We recommend the Growth strategy for Mike and Deborah to maximize the long-term growth of their capital.
Growth & Income — Above Average Risk — Appropriate for those late in their wealth accumulation stage or those not comfortable with all their assets in stocks.
The Growth & Income strategy is a diversified investment portfolio structured to provide long-term growth of capital with some income for protection against stock market fluctuations.
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Moderate — Moderate Risk — Appropriate for those who are close to or in retirement.
The Moderate strategy is a diversified investment portfolio structured to provide current income as well as long-term growth of capital.
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Target Income — Moderate Risk — Appropriate for those who are in retirement or desire a high current income.
The Target Income strategy is a diversified investment portfolio structured to provide maximum current income while maintaining moderate risk.
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Conservative — Low Risk — Appropriate for those who need current income in retirement or who cannot risk losing principal.
The Conservative strategy is a diversified investment portfolio structured to provide current income with very low risk.
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Example
Paul and Kim are in their late sixties and are retired. They own their primary residence and a vacation home free of all mortgages. They have three children, all of whom are grown and have families of their own. They require significant income from their investment portfolio.
We recommend the Conservative Strategy for Paul and Kim. Because of their age, they are most concerned with protecting their current principal and generating retirement income.
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