Asset Allocation Portfolios
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1 Asset Allocation Portfolios Christopher Eckert Senior Vice President Wealth Management Senior Portfolio Manager Financial Advisor 320 Post Road West Westport, CT phone: toll-free: fax: and services offered through Morgan Stanley Smith Barney LLC, member SIPC.
2 Asset Allocation Portfolios What are the They are strategic and tactical asset allocation portfolios that are diversified across asset classes and investment styles, incorporate both passive and actively managed investments and are managed on a discretionary basis. What is Strategic Asset Allocation? It is the long-term investment weightings for the major investment classes that both seek to fit an investor s risk profile and also take into account possible asset returns and volatility under varying economic and financial conditions. The Importance of Asset Allocation Modern theory on portfolio diversification states that appropriate asset allocation the process of distributing assets across different investment instruments and asset classes can create portfolios that produce the highest potential returns for a given level of expected risk, as measured by the volatility, or fluctuation, of portfolio value over time. What is Tactical Asset Allocation? Incorporates active decisions to overweight or to underweight asset classes in the near term relative to their strategic allocation based on: (i) the current and projected financial and economic environment; (ii) evaluations of risk in global asset markets; and (iii) other fundamental, valuation and psychological, technical and/or liquidity factors. What is the Investment Process for the The portfolios employ a dynamic asset allocation process that combines long-term investment strategies (strategic asset allocation) with short-term portfolio adjustments (tactical asset allocation). Active vs. Passive An important consideration when determining investment selection is the choice between active and passive investments either for individual asset allocations or for the portfolio as a whole. Changing market cycles, the investor s time horizon and the volatility, liquidity and efficiency of individual asset classes can all affect the decision whether to choose active or passive investments for your portfolio. morgan stanley 2
3 Asset Allocation Portfolios (continued) Active Management An actively managed portfolio relies on the expertise of a portfolio manager to choose the investment s holdings in an attempt to outperform a predetermined benchmark over the course of a full market cycle. Most mutual funds are actively managed. Passive Management A passively managed investment is typically designed to mimic a benchmark in an attempt to match the benchmark s returns before expenses, not exceed them. Most exchange-traded funds (ETFs) are considered passively managed investments. Which Asset Classes are Included in the Cash/cash equivalents, fixed-income, US equity, international equity and alternative investments. What is the Security Selection Process for the Eligible securities go through an in-depth research and evaluation process; key evaluation criteria can include investment strategy, track record, manager tenure and experience, expense ratios, tracking error, style purity, liquidity and relative strength rankings, amongst other factors. What are the Key Features of Investing in the Diversification Flexibility In-depth investment due-diligence Account consolidation Strategic and tactical investment advice Alternative investment opportunities Disciplined portfolio rebalancing Comprehensive portfolio performance reporting What is the Eligible Universe of Securities for the Open-end mutual funds, closed-end mutual funds, exchangetraded funds (ETFs) and exchange-traded notes (ETNs). morgan stanley 3
4 Strategic Asset Allocations Income Strategy Conservative Growth Strategy Moderate Growth Strategy Aggressive Growth Strategy Cash & Cash Equivalents 5% Alternative 5% Cash & Cash Equivalents 3% Alternative 8% Cash & Cash Equivalents 2% Cash & Cash Equivalents 1% Fixed Income 95% Equity 30% Fixed Income 62% Fixed Income 33% Equity 57% Alternative 12% Equity 87% Asset Allocation Key Cash & Cash Equivalents Money Market Funds Fixed Income Government Bonds Equity US Equities Alternative Real Estate Ultra Short Bond Funds Corporate Bonds International Equities Hedge Funds Municipal Bonds Commodities Securitized Bonds Other morgan stanley 4
5 Income Strategy Asset Class Minimum Allocation Strategic Allocation Maximum Allocation Cash 0% 5% 10% Fixed Income 90% 95% 100% Equity 0% 0% 5% US 0% 0% 5% International 0% 0% 5% Alternative 0% 0% 5% Investment Objective Conservation of capital and current income are the primary investment objectives. Investor Risk Tolerance Can tolerate infrequent, very limited declines through difficult phases in a market cycle. Asset Allocation Guidelines Tactical allocations in the portfolio can be underweight or overweight the strategic allocations by a maximum of 5%. Asset classes will be rebalanced if they deviate more than the maximum. Conservative Growth Strategy Asset Class Minimum Allocation Strategic Allocation Maximum Allocation Cash 0% 3% 13% Fixed Income 52% 62% 72% Equity 20% 30% 40% US 10% 20% 30% International 0% 10% 20% Alternative 0% 5% 15% Investment Objective Conservation of capital and current income are the primary investment objectives; a secondary investment objective is moderate growth of capital. Investor Risk Tolerance Can tolerate limited declines through difficult phases in a market cycle. Asset Allocation Guidelines Tactical allocations in the portfolio can be underweight or overweight the strategic allocations by a maximum of 10%. Asset classes will be rebalanced if they deviate more than the maximum. morgan stanley 5
6 Moderate Growth Strategy Asset Class Minimum Allocation Strategic Allocation Maximum Allocation Cash 0% 2% 17% Fixed Income 18% 33% 48% Equity 42% 57% 72% US 22% 37% 52% International 5% 20% 35% Alternative 0% 8% 23% Investment Objective Growth of capital is the primary investment objective; secondary considerations are conservation of capital and current income. Investor Risk Tolerance Can tolerate two to three quarters of negative absolute returns through difficult phases in a market cycle. Asset Allocation Guidelines Tactical allocations in the portfolio can be underweight or overweight the strategic allocations by a maximum of 15%. Asset classes will be rebalanced if they deviate more than the maximum. Aggressive Growth Strategy Asset Class Minimum Allocation Strategic Allocation Maximum Allocation Cash 0% 1% 21% Fixed Income 0% 0% 20% Equity 67% 87% 100% US 36% 56% 76% International 11% 31% 51% Alternative 0% 12% 32% Investment Objective Long term growth of capital is the primary investment objective. Investor Risk Tolerance Can tolerate more than one year of negative absolute returns through difficult phases in a market cycle. Asset Allocation Guidelines Tactical allocations in the portfolio can be underweight or overweight the strategic allocations by a maximum of 20%. Asset classes will be rebalanced if they deviate more than the maximum. morgan stanley 6
7 Investing can be an intimidating prospect for many people. Today s capital markets are complex, and the thought of sifting through thousands of available investments can be overwhelming. Most investors simply do not have the time or experience to gather and analyze all of the data necessary to make informed investment decisions. In such situations, it may make sense to partner with an experienced professional who understands your financial needs and can dedicate the time and resources to help you meet them. Christopher Eckert focuses on helping investors prepare for and navigate through significant life events and financial transitions. To learn more about how his wealth management process helps investors meet the challenges these major life transitions pose to their financial security, please visit his website or call for a complimentary consultation. morgan stanley 7
8 This material is intended only for clients and prospective clients of the Portfolio Management program in the United States. It has been prepared solely for informational purposes only and it is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy. Christopher Eckert is a Financial Advisor with Morgan Stanley Smith Barney and Portfolio Manager participating in the Morgan Stanley Smith Barney Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client s financial advisor invests the client s assets on a discretionary basis in a range of securities. To learn more about the Portfolio Management Program, please contact your Morgan Stanley Smith Barney Financial Advisor. The Portfolio Management program is described in the applicable Morgan Stanley Smith Barney ADV Part 2, available at or from your Financial Advisor. Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions. Holdings are subject to change daily, so any securities discussed in this profile may or may not be included in your account if you invest in this investment strategy. Do not assume that any holdings mentioned were, or will be, profitable. Material in this presentation has been obtained from sources we believe to be reliable, but we do not guarantee its accuracy, completeness or timeliness. Third-party data providers make no warranties or representations relating to the accuracy, completeness or timeliness of the data they provide and are not liable for any damages relating to this data. Morgan Stanley Smith Barney has no obligation to notify you when information in this presentation changes. Morgan Stanley Smith Barney and its affiliates do not render advice on tax and accounting matters to clients. This material was not intended or written to be used, and it cannot be used or relied upon by any recipient, for any purpose, including the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Each client should consult his/her personal tax and/or legal advisor to learn about any potential tax or other implications that may result from acting on a particular recommendation. Morgan Stanley Smith Barney is not acting as a fiduciary under either the Employee Retirement Income Security Act of 1974, as amended, or under section 4975 of the Internal Revenue code of 1986, as amended, in providing the information in this profile. Morgan Stanley Smith Barney material, or any portion of it, may not be reprinted, sold or redistributed without Morgan Stanley Smith Barney s written consent Morgan Stanley Smith Barney LLC. Member SIPC. CRC /12
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