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Step 2: Allocate Your Assets Effectively

Most experts recommend diversification to help decrease risk. You can diversify an investment portfolio by owning more than one company, investing in more than one industry, or allocating your assets between stocks, bonds, and cash equivalents. Asset allocation, or strategic diversification, is the process of determining how much of your portfolio should be invested in each asset class. It can protect your portfolio from sudden changes in value should one asset class experience a temporary decline.

In general, investors with long time frames and higher risk tolerances include a greater proportion of equities or stock mutual funds in their portfolios. Historically, equities have been the best-performing asset class over long periods of time. However, equity returns fluctuate widely over the short term. If you are risk-averse, you may choose to allocate a greater percentage of your assets to fixed income funds and money markets, which offer lower potential returns over the long term, but also fluctuate less in value than equity investments. If you would like to learn more about how to determine your own asset allocation, click here.

Design An Investment Plan   Allocate Your Assets Effectively
Taxable vs. Tax-Free   Evaluating Investment Performance

FutureQuest

FutureQuest is an asset allocation program for investors with $50,000 or more to invest. The program is distinguished by its personal emphasis. Your asset allocation strategy is designed for you – your goals, your risk tolerance, and your time frames. FutureQuest's simple five-step process includes:

  1. Designing an Asset Allocation Plan
  2. Diversifying Your Portfolio Across Asset Classes and Within Styles
  3. Monitoring Portfolio Performance
  4. Rebalancing Your Portfolio
  5. Reporting Performance Results

FutureQuest gives you access to the disciplined investment process employed by many of America’s most successful companies. You also gain access to nationally prominent investment managers through the mutual funds they advise. To learn more about FutureQuest, click here.


Asset Allocation Mutual Funds

One of the easiest ways to allocate assets is by selecting an asset allocation mutual fund that meets your risk tolerance and time frame needs. Asset allocation fund managers regularly evaluate the markets to determine the percentage of their portfolios that will be invested in each of the major asset classes, within the limits established by their prospectuses. For example, aggressive allocation funds tend to allocate a higher percentage of assets to equity investments than balanced or conservative allocation funds. Armada Funds offers an Aggressive, Balanced, and Conservative asset allocation fund to meet investors’ different goals, time frames and risk tolerances.

 

NOT FDIC INSURED · NO BANK GUARANTEE · MAY LOSE VALUE

You should consider the investment objectives, risks, charges and expenses of the Armada Funds carefully before investing. A prospectus may be downloaded and viewed with this and other information about the Funds or may be obtained by contacting an investment professional or by calling 1-800-622-FUND (3863.) Please read it carefully before you invest or send money.

National City Investment Management Company (IMC) serves as investment adviser to Armada Funds for which it receives an investment advisory fee. Shares of Armada Funds are distributed by Professional Funds Distributor, LLC (PFD), 760 Moore Road, King of Prussia, PA 19406. PFD is not affiliated with IMC and is not a bank.


Armada Funds Products