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Mutual Fund MMP

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Mutual Fund Portfolio Descriptions

The following MMP Profiles are an illustration of the risk/reward characteristics and portfolio objectives of each MMP Solution. Actual allocations will vary due to the asset types, asset styles and professional managers that are implemented as part of the BCFS Investment Process and Portfolio Design Techniques.

Aggressive Growth »

Large/Mid Cap 55% Small Cap 20% International 25% Bonds 0%

Objective: Emphasize capital appreciation by investing in 100% equity funds. Generally, this strategy will experience above-average risk to earn a high level of average return. Experience greater volatility/risk for greater performance Emphasis on small and international companies Long-term investment horizon of 10+ years Potential for larger downturns than average

Capital Growth »

Large/Mid Cap 55% Small Cap 15% International 20% Bonds 10%

Objective: Emphasize growth of capital by investing in 90% equity and 10% fixed income. Generally, this strategy will receive "market-level" risk to earn above average returns. Average volatility for above-average performance Income considerations are secondary Expect growth of capital and can tolerate market downturns Long-term investment horizon of 10+ years

Moderate Growth »

Large/Mid Cap 45% Small Cap 10% International 15% Bonds 30%

Objective: Growth oriented with intermediate risk. Invested in 70% equities and 30% fixed income. Generally, this strategy will receive about 70% of the "stock market risk" to obtain just under "market-level returns." Expect good performance, but are wary of the level of risk Some income earned from investments Long-term investment horizon of 10+ years

Balanced Growth »

Large/Mid Cap 30% Small Cap 5% International 15% Bonds 50%

Objective: Stable growth with 50% equity and 50% fixed income. Generally, this strategy will receive half of the "stock market risk" and earn slightly above half the average return. Current income is important Can tolerate some volatility, but expect decent performance Best for a more cautious investor Have 7 years before you will utilize the investments

Conservative »

Large/Mid Cap 20% Small Cap 5% International 5% Bonds 70%

Objective: Conservative growth with little volatility. Invested in 30% equity and 70% fixed income. Generally, this strategy will receive 30% of the "stock market risk" and earn about 1/3 of the average return. Current income is important Best for a very cautious investor Willing to take more risk than a money market and expect a little more return