NCFA/Cyborg-Advisor Very Conservative Fund

Very Conservative Portfolio

The NCFA/Cyborg-Advisors Very Conservative Fund has a heavy allocation towards low-risk, fixed-income securities and no equity exposure, this portfolio maintains a low risk-return tradeoff. It offers slightly higher potential returns than the our preservation portfolio, but with marginally increased risk

Table of Contents

Investment Objective:

The NCFA/Cyborg-Advisors Very Conservative Fund seeks to provide capital preservation and stable income while minimizing risk exposure. It aims to offer a low-volatile investment option for risk-averse investors or those with short-term financial goals.

Key Features:

  1. Capital Preservation Focus: Primarily invests in high-quality fixed-income securities to protect investor capital.
  2. Diversified Fixed-Income Allocation: Spreads risk across ultra-short bonds, world bonds, and US core investment-grade bonds.
  3. Low-Cost Strategy: Employs a value-driven approach to minimize expenses and maximize investor returns.
  4. Risk Management: Designed to have minimal exposure to equity market volatility.
  5. Global Exposure: Includes world bonds to provide international diversification within the fixed-income allocation.
  6. Liquidity: Maintains a portion in ultra-short bonds for enhanced liquidity and reduced interest rate sensitivity.

Investment Strategy:

The Fund employs a conservative strategy, allocating 100% of its assets to fixed-income securities:

  • 50% in US Core Investment Grade Bonds: Provides a stable foundation of high-quality domestic fixed-income securities.
  • 25% in Ultra Short Bonds: Offers enhanced liquidity and reduced sensitivity to interest rate fluctuations.
  • 25% in World Bonds: Adds global diversification to potentially enhance returns and spread risk.

This balanced approach aims to provide steady income while preserving capital and minimizing overall portfolio volatility. The Fund is designed for investors with a low risk tolerance or those seeking to park their capital for short to medium-term financial goals while still earning some return above cash equivalents.

Very Conservative Portfolio

The NCFA/Cyborg-Advisors Very Conservative Fund has a heavy allocation towards low-risk, fixed-income securities and no equity exposure, this portfolio maintains a low risk-return tradeoff. It offers slightly higher potential returns than the our preservation portfolio, but with marginally increased risk
  • Edited 6 days ago

Our firm's Motto:

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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