NCFA/Cyborg-Advisor Conservative Fund

Conservative Portfolio

The NCFA/Cyborg-Advisors Conservative Fund maintains a cautious approach with a slightly higher equity allocation compared to the Very Conservative option.

Table of Contents

NCFA/Cyborg-Advisors Conservative Fund

Investment Objective:

The NCFA/Cyborg-Advisors Conservative Fund seeks to provide capital preservation and moderate income while maintaining a conservative risk profile. It aims to offer a low-volatility investment option with some potential for capital appreciation.

Key Features:

  1. Balanced Approach: Combines fixed-income securities (60%) with a diversified equity allocation (35%) and cash (5%) to balance stability and growth potential.
  2. Global Diversification: Includes both domestic and international investments across various asset classes to spread risk.
  3. Value-Oriented: 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 Exposure: 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 conservative strategy with the following allocation:

Fixed Income (60%):

  • 30% Ultrashort Bond: Provides stability and liquidity with reduced interest rate sensitivity.
  • 30% World Bond: Offers global diversification in fixed-income markets.

Equity (35%):

  • 12% US Core-Equity: Core holding in U.S. stock market for broad market exposure.
  • 8% US Mid-small Value: Allocation to potentially undervalued smaller companies.
  • 6% Int’l Small/Mid Value: Exposure to international value stocks in smaller companies.
  • 2% US Large Value: Allocation to potentially undervalued large U.S. companies.
  • 3% Int’l Large Value: Exposure to international value stocks in larger companies.
  • 2% Diversified Emerging Markets: Small allocation for growth potential in developing economies.
  • 2% Specialty-Real Estate: Provides exposure to real estate markets for diversification.

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

This balanced approach aims to provide stability through its significant fixed-income allocation while allowing for modest growth potential through its diversified equity exposure. The Fund is designed for investors with a low to moderate risk tolerance or those seeking a conservative option for medium-term financial goals.

Conservative Portfolio

The NCFA/Cyborg-Advisors Conservative Fund maintains a cautious approach with a slightly higher equity allocation compared to the Very Conservative option.
  • 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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