NCFA/Cyborg-Advisors Balanced Fund

Balanced Portfolio

The NCFA/Cyborg-Advisors Balanced Portfolio offers a more even distribution between equities and fixed-income securities. It aims to provide a balance between growth and stability, catering to investors with a moderate risk tolerance.

Table of Contents

Investment Objective:

The NCFA/Cyborg-Advisors Balanced Fund seeks to achieve a balance between long-term capital growth and income generation while maintaining a moderate risk profile. It aims to provide investors with a diversified portfolio that can potentially weather various market conditions.

Key Features:

  1. Diversified Asset Mix: Combines equity (50%), fixed income (45%), and cash (5%) to balance growth potential with stability.
  2. Global Exposure: Includes both domestic and international investments across various asset classes to spread risk and capture global opportunities.
  3. Value-Oriented Approach: Emphasizes value stocks in both U.S. and international markets to potentially enhance long-term returns.
  4. Income Generation: Significant allocation to fixed-income securities aims to provide steady income.
  5. Real Estate Component: Small allocation to real estate for additional diversification and potential income.
  6. Liquidity: Maintains a cash position for flexibility and to meet short-term needs.

Investment Strategy:

The Fund employs a balanced strategy with the following allocation:

Equity (50%):

  • 17% US Core-Equity: Core holding in U.S. stock market for broad market exposure.
  • 12% US Mid-small Value: Allocation to potentially undervalued smaller companies.
  • 9% Int’l Small/Mid Value: Exposure to international value stocks in smaller companies.
  • 3% US Large Value: Allocation to potentially undervalued large U.S. companies.
  • 3% Int’l Large Value: Exposure to international value stocks in larger companies.
  • 3% Diversified Emerging Markets: Allocation for growth potential in developing economies.
  • 3% Specialty-Real Estate: Provides exposure to real estate markets for diversification.

Fixed Income (45%):

  • 22.5% Ultrashort Bond: Provides stability and liquidity with reduced interest rate sensitivity.
  • 22.5% World Bond: Offers global diversification in fixed-income markets.

Cash (5%): Maintains liquidity for short-term needs and flexibility.

This balanced approach aims to provide a mix of stability through its fixed-income allocation while allowing for growth potential through its diversified equity exposure. The Fund is designed for investors with moderate risk tolerance or those seeking a core holding for medium to long-term financial goals.

Balanced Portfolio

The NCFA/Cyborg-Advisors Balanced Portfolio offers a more even distribution between equities and fixed-income securities. It aims to provide a balance between growth and stability, catering to investors with a moderate risk tolerance.
  • Edited 6 days ago

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The best of people are those who benefit others the most

Disclosure:

Let’s Talk About Risk:

Investment Advisory Services offered through National Christian Financial Advisors, Inc. (NCFA). Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results. National Christian Financial Advisors, Inc. (NCFA) does not guarantee any specific outcome or profit.

Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. 

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National Christian Financial Advisors, Inc. (NCFA) is minority owned and operated Independent Registered Investment Advisory Firm

Disclosure:

Let’s Talk About Risk:

Investment Advisory Services offered through National Christian Financial Advisors, Inc. (NCFA). Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results. National Christian Financial Advisors, Inc. (NCFA) does not guarantee any specific outcome or profit.

Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. 

The annual percentage yield (“APY”) on the deposit balances in Betterment Cash Reserve (“Cash Reserve”) is 4.00% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the “Program Banks”) and is current as of December 27, 2024. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.

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