NCFA/Cyborg-Advisors Moderate Growth Fund

Moderate Growth Portfolio

The NCFA/Cyborg-Advisors Moderate portfolio leans more towards growth-oriented assets while maintaining a significant portion in fixed-income securities. It's designed for investors willing to accept higher short-term volatility in pursuit of better long-term returns.

Table of Contents

Investment Objective:

The NCFA/Cyborg-Advisors Moderate Growth Fund seeks to achieve long-term capital appreciation with a secondary focus on income generation. It aims to provide investors with a growth-oriented portfolio while maintaining a moderate level of risk.

Key Features:

  1. Growth-Oriented Asset Mix: Allocates 65% to equities, 30% to fixed income, and 5% to cash, balancing growth potential with some stability.
  2. Global Diversification: Includes both domestic and international investments across various asset classes and market capitalizations.
  3. Value Tilt: Emphasizes value stocks in both U.S. and international markets to potentially enhance long-term returns.
  4. Emerging Markets Exposure: Allocation to diversified emerging markets for additional growth potential.
  5. Real Estate Component: Includes specialty real estate for diversification and potential income.
  6. Fixed Income Stability: Incorporates ultrashort and world bonds to provide income and reduce overall portfolio volatility.
  7. Liquidity: Maintains a cash position for flexibility and to meet short-term needs.

Investment Strategy:

The Fund employs a moderate growth strategy with the following allocation:

Equity (65%):

  • 22% US Core-Equity: Core holding in U.S. stock market for broad market exposure.
  • 14% US Mid-small Value: Allocation to potentially undervalued smaller companies.
  • 13% Int’l Small/Mid Value: Exposure to international value stocks in smaller companies.
  • 4% US Large Value: Allocation to potentially undervalued large U.S. companies.
  • 4% Int’l Large Value: Exposure to international value stocks in larger companies.
  • 4% Diversified Emerging Markets: Allocation for growth potential in developing economies.
  • 4% Specialty-Real Estate: Provides exposure to real estate markets for diversification.

Fixed Income (30%):

  • 15% Ultrashort Bond: Provides stability and liquidity with reduced interest rate sensitivity.
  • 15% World Bond: Offers global diversification in fixed-income markets.

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

This moderate growth approach aims to capitalize on equity market growth potential while maintaining a degree of stability through its fixed-income allocation. The Fund is designed for investors with a moderately high-risk tolerance or those seeking growth-oriented investments for long-term financial goals.

Moderate Growth Portfolio

The NCFA/Cyborg-Advisors Moderate portfolio leans more towards growth-oriented assets while maintaining a significant portion in fixed-income securities. It's designed for investors willing to accept higher short-term volatility in pursuit of better long-term returns.
  • Edited 6 days ago

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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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