Finding an appropriate balance between equity and fixed income is an important component in pursuing your financial goals. We seek to manage risk primarily through asset allocation and diversification. We offer seven primary asset allocations with expanded and concentrated portfolios in each. We can help you determine a strategy that is well-suited for your investment needs.

 


1- DEFENSIVE

  • Diversification: Expanded Portfolio
  • Risk: low
  • Primary Objective(s): current income with focus on capital preservation
  • Time Horizon: short term
  • Target Allocation: 90% Fixed Income, 10% Equity

STRATEGY:
This portfolio seeks current income, consistent with preservation of capital and prudent investment management. The diversified strategy is invested primarily in Fixed Income—which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. It also has a small portion allocated to Equity—which may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 2.5%
Eventide Asset Management, LLC Eventide Healthcare (EHF) 2.5%
Eventide Asset Management, LLC Eventide Income & Growth 2.5%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 2.5%
Values First Advisors, Inc. VFA Total Return (FI) 90%

CP1- DEFENSIVE

  • Diversification: Concentrated Portfolio (CP)
  • Risk: low
  • Primary Objective(s): current income with focus on capital preservation
  • Time Horizon: short term
  • Target Allocation: 90% Fixed Income, 10% Equity

STRATEGY:
This Concentrated Portfolio (CP) seeks current income, consistent with preservation of capital and prudent investment management. The diversified strategy is invested primarily in Fixed Income—which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. It also has a small portion allocated to Equity—which may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

 

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 7.5%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 2.5%
Values First Advisors, Inc. VFA Total Return (FI) 90%

 

 

2-CONSERVATIVE

  • Diversification: Expanded Portfolio
  • Risk: low
  • Primary Objective(s): current income with focus on capital preservation
  • Time Horizon: short-term
  • Target Allocation: 80% Fixed Income, 20% Equity

STRATEGY:
The portfolio seeks current income, consistent with preservation of capital and prudent investment management. The diversified strategy is invested primarily in Fixed Income—which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. It also has a portion allocated to Equity—which may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 5%
Eventide Asset Management, LLC Eventide Healthcare (EHF) 5%
Eventide Asset Management, LLC Eventide Income & Growth 5%
Values First Advisors, Inc.  VFA REIT 2.5%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 2.5%
Values First Advisors, Inc. VFA Total Return (FI) 80%

CP2- CONSERVATIVE

  • Diversification: Concentrated Portfolio (CP)
  • Risk: low
  • Primary Objective(s): current income with focus on capital preservation
  • Time Horizon: short-term
  • Target Allocation: 80% Fixed Income, 20% Equity

STRATEGY:
The portfolio seeks current income, consistent with preservation of capital and prudent investment management. The diversified strategy is invested primarily in Fixed Income—which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. It also has a portion allocated to Equity—which may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 15%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 5%
Values First Advisors, Inc. VFA Total Return (FI) 80%

 

3- CONSERVATIVE WITH GROWTH

  • Diversification: Expanded Portfolio
  • Risk: moderate
  • Primary Objective(s): favor current income over growth potential
  • Time Horizon: short to medium term investment horizon
  • Target Allocation: 60% Fixed Income, 40% Equity

STRATEGY:
The portfolio seeks current income and moderate growth. The diversified strategy is invested in a mixture of Fixed Income and Equity. Fixed Income which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. Equity may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 15%
Eventide Asset Management, LLC Eventide Mid Cap (EMF) 5%
Eventide Asset Management, LLC Eventide Healthcare (EHF) 5%
Eventide Asset Management, LLC Eventide Income & Growth 5%
Values First Advisors, Inc.  VFA REIT 5%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 5%
Values First Advisors, Inc. VFA Total Return (FI) 60%

CP3- CONSERVATIVE WITH GROWTH

  • Diversification: Concentrated Portfolio (CP)
  • Risk: moderate
  • Primary Objective(s): favor current income over growth potential
  • Time Horizon: short to medium term investment horizon
  • Target Allocation: 60% Fixed Income, 40% Equity

STRATEGY:
The diversified strategy is invested in a mixture of Fixed Income and Equity. Fixed Income which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. Equity may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 30%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 10%
Values First Advisors, Inc. VFA Total Return (FI) 60%

 

4- BALANCED

  • Diversification: Expanded Portfolio
  • Risk: moderate
  • Primary Objective(s): balance of income and growth
  • Time Horizon: medium term
  • Target Allocation: 50% Fixed Income, 50% Equity

STRATEGY:
The portfolio seeks a balance of income and growth. The diversified strategy is invested in a mixture of Fixed Income and Equity. Fixed Income which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. Equity may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 20%
Eventide Asset Management, LLC Eventide Mid Cap (EMF) 5%
Eventide Asset Management, LLC Eventide Healthcare (EHF) 5%
Eventide Asset Management, LLC Eventide Income & Growth 5%
Values First Advisors, Inc.  VFA REIT 7.5%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 7.5%
Values First Advisors, Inc. VFA Total Return (FI) 25%
Values First Advisors, Inc.  VFA Strategic Mngmt (FI) 25%

CP4- BALANCED

  • Diversification: Concentrated Portfolio (CP)
  • Risk: moderate
  • Primary Objective(s): balance of income and growth
  • Time Horizon: medium term
  • Target Allocation: 50% Fixed Income, 50% Equity

STRATEGY:
The portfolio seeks a balance of income and growth. The diversified strategy is invested in a mixture of Fixed Income and Equity. Fixed Income which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. Equity may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 40%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 10%
Values First Advisors, Inc. VFA Total Return (FI) 25%
Values First Advisors, Inc. VFA Strategic Mngmt (FI) 25%

 

5- BALANCED WITH GROWTH

  • Diversification: Expanded Portfolio
  • Risk: moderate
  • Primary Objective(s): favors growth over income potential
  • Time Horizon: medium to long-term investment horizon
  • Target Allocation: 60% Equity, 40% Fixed Income

STRATEGY:
The portfolio seeks moderate growth and income. The diversified strategy is invested in a mixture of Fixed Income and Equity. Fixed Income which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. Equity may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 25%
Eventide Asset Management, LLC Eventide Mid Cap (EMF) 9%
Eventide Asset Management, LLC Eventide Healthcare (EHF) 7.5%
Eventide Asset Management, LLC Eventide Income & Growth 3.5%
Values First Advisors, Inc.  VFA REIT 7.5%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 7.5%
Values First Advisors, Inc.  VFA Strategic Mngmt (FI) 40%

CP5- BALANCED WITH GROWTH

  • Diversification: Concentrated Portfolio (CP)
  • Risk: moderate
  • Primary Objective(s): favors growth over income potential
  • Time Horizon: medium to long-term investment horizon
  • Target Allocation: 60% Equity, 40% Fixed Income

STRATEGY:
The portfolio seeks moderate growth and income. The diversified strategy is invested in a mixture of Fixed Income and Equity. Fixed Income which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. Equity may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 50%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 10%
Values First Advisors, Inc. VFA Strategic Mngmt (FI) 40%

 

6- GROWTH

  • Diversification: Expanded Portfolio
  • Risk: moderately aggressive
  • Primary Objective(s): growth
  • Time Horizon: long-term
  • Target Allocation: 80% Equity, 20% Fixed Income

STRATEGY:
The portfolio seeks long-term growth of principal. The diversified strategy is invested primarily in Equity with a portion in Fixed Income. Equity may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. Fixed Income which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 32.5%
Eventide Asset Management, LLC Eventide Mid Cap (EMF) 12.5%
Eventide Asset Management, LLC Eventide Healthcare (EHF) 10%
Values First Advisors, Inc.  VFA REIT 7.5%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 17.5%
Values First Advisors, Inc.  VFA Strategic Mngmt (FI) 20%

CP6- GROWTH

  • Diversification: Concentrated Portfolio (CP)
  • Risk: moderately aggressive
  • Primary Objective(s): growth
  • Time Horizon: long-term
  • Target Allocation: 80% Equity, 20% Fixed Income

STRATEGY:
The portfolio seeks long-term growth of principal. The diversified strategy is invested primarily in Equity with a portion in Fixed Income. Equity may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. Fixed Income which may include treasuries, inflation protection instruments, investment grade corporate bonds, high yield bonds, mortgage backed securities, convertible bonds, investment strategies that inversely correlate with certain fixed income securities, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 60%
Eventide Asset Management, LLC Eventide Mid Cap (EMF) 20%
Values First Advisors, Inc. VFA Strategic Mngmt (FI) 20%

 

7- AGGRESSIVE

  • Diversification: Expanded Portfolio
  • Risk: aggressive
  • Primary Objective(s): growth
  • Time Horizon: long-term
  • Target Allocation: 100% Equity

STRATEGY:
The portfolio seeks long-term growth of principal. The diversified strategy is invested in Equity. Equity may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 40%
Eventide Asset Management, LLC Eventide Mid Cap (EMF) 15%
Eventide Asset Management, LLC Eventide Healthcare (EHF) 10%
Values First Advisors, Inc.  VFA REIT 7.5%
Values First Advisors, Inc. VFA Agg Market Opp (AMO) 5%
Values First Advisors, Inc.  VFA Small Cap Focus (SCF) 17.5%
Values First Advisors, Inc.  VFA Alternatives (AI) 5%

CP7- AGGRESSIVE

  • Diversification: Concentrated Portfolio (CP)
  • Risk: aggressive
  • Primary Objective(s): growth
  • Time Horizon: long-term
  • Target Allocation: 100% Equity

STRATEGY:
The portfolio seeks long-term growth of principal. The diversified strategy is invested in Equity. Equity may include large-, mid-, and small-cap domestic and global stock, REITs, and other investments. See the Important Information section below on this web page. The portfolio is managed by the below Firms.

FIRM MODEL FOLIO TARGET ALLOCATION
American Values Investments, Inc. American Hero Equity 70%
Eventide Asset Management, LLC Eventide Mid Cap (EMF) 30%

 

IMPORTANT INFORMATION

* The above Portfolios are available exclusively for Values First clients with accounts custodied at Folio Investments, Inc.
* Most of our clients find that one of the above Portfolios is fitting for their investment needs. However, from time to time we develop custom portfolios for unique client needs and requests. Talk with your VFA advisor if you would like more information.
* Target Allocations are approximate and are measured at the time of the initial investment, but each Portfolio’s holdings will be reallocated periodically to bring the Portfolio to within the parameters set forth above.
* Equity exposure may be achieved through exposure to certain alternative investments, including, but not limited to, direct and indirect purchases of precious metals, oil and gas, and other commodities as well as real estate investment trusts and other similar investments. A portion of the Assets will be held in cash.
* Fixed income exposure may be achieved through exchange traded funds, including, but not limited to, exchange traded funds with investment strategies that inversely correlate with certain fixed income securities. A portion of the Assets will be held in cash.
* Some firms categorize REITs with fixed income, equities, or a combination of the two. We currently categorize REITs with equities, although we may decide to include them as part of our fixed income strategy in the future.
* At our discretion, we may change the Firms and Model Folios in these Portfolios and the amounts allocated to each.
* The information about the above Portfolios was current as of the date this information was posted to this website. However, the actual Portfolios may differ. Talk with your VFA advisor for more information.
* All of the investments in the Portfolios contain risk and may lose value.
* For other important information, talk with your VFA advisor and see our Discretionary Advisory Agreement and Firm Brochure on our Forms page.