The first step in the investment process is determining the appropriate allocation for your assets.  As a discretionary money manager, we establish an initial allocation based on your risk tolerance, whether conservative, moderate or aggressive.

There is no right or wrong answer to risk tolerance – it is simply an expression of how comfortable you are with risk.  We can help you understand risk and arrive at an investment strategy that is tailored to your needs, goals and objectives.

Conservative	40-45% equities	55-60% fixed income
Moderate	60% equities	40% fixed income
Aggressive	75% equities	25% fixed income

          

As a further discipline to avoid over concentration in a particular asset class, when an allocation moves more than 5 percent away from its initial benchmark, we will rebalance the portfolio back to the original benchmark.  For example, a Conservative portfolio would normally start with 60 percent fixed income and 40 percent equities.  Due to performance, fixed income drops to 54 percent and equities increase to 46 percent.  We would then move the account back to its original 60/40 mix.

TABR Capital's bond market strategy involves using a combination of short term/intermediate term bond funds with high yield corporate bond funds, and then over- and under-weighting each category depending upon the position of our risk management models.  Our core bond position is based on long term relative strength research. In addition, we may use individual government agency bonds in certain portfolios to lock in certain yields with a portion of the fixed income allocation.