Globally diversified ETF portfolios built on five asset classes and set to four risk profiles. Designed to capture growth, soften the drawdowns, and keep you invested through both.
Each step along the line adds more stock exposure and takes on more movement in exchange for more growth over time.
Hypothetical results from January 1, 2012 through September 30, 2026. Past performance does not guarantee future results.
| Portfolio | Stocks | Annualized since 2012 | Worst calendar year | Trailing 12 months | Yield | Fund expenses |
|---|
Four numbers do most of the work when you size up a portfolio. Here is how to read each one.
Every Global Core portfolio is built from the same five asset classes. What changes between tiers is the weighting, not the philosophy. Moving from Conservative to Moderate to Balanced to Growth is a question of how much movement you can live with, not which strategy you happen to land on.
Weighted fund expenses run between 0.05% and 0.10% a year. Every basis point saved on fees compounds for decades.
Across asset classes (stocks, Treasury bills, gold) and geographies (U.S. and international developed markets). Not just a different shade of the same risk.
Gold, Treasury bills, and dividend quality act as structural ballast. The cushion is engineered in, not bolted on.
Allocations are set with intent and held with discipline. We do not chase momentum, predict markets, or shuffle positions on news cycles.
Drift is the enemy of risk discipline. Annual rebalancing keeps each portfolio anchored to its stated risk profile.
The portfolios are not a collection of funds we happen to like. They are a system where every position answers a specific question about growth, income, or stability.
Dividends from SCHB, SCHD, and SCHF, along with interest from SGOV, are not pulled out as cash. They go straight back to work, buying more shares, generating more income, compounding quietly across decades.
This is not optional. It is the structural choice that turns a 2% yield into a meaningful share of long-term total return.
No cash sits idle, and the earliest dollars work the longest.
Pick a portfolio, enter what you are starting with and what you plan to add, and see a range of outcomes net of the advisory fee schedule. Real returns bounce around from year to year, so instead of one line we show a range of outcomes.
| Same inputs, each portfolio | Expected return | Low (5th) | Middle (50th) | High (95th) |
|---|
Many people sit comfortably inside one of the four Global Core portfolios. Others have preferences that deserve respect. A long-held position in a single stock you want to keep. A tilt toward a sector you believe in. A holding you want to avoid for personal reasons.
The framework bends. A custom allocation is built on the same five-role foundation, with the same discipline around cost, diversification, and rebalancing, then adjusted to your wishes.
The right portfolio depends on your time horizon, your tax situation, and how much movement you can live with. A short conversation is the fastest way to find out.
| Assets under management | Annual fee |
|---|---|
| First $500,000 | 1.50% |
| $500,000 to $1,000,000 | 1.00% |
| $1,000,000 to $2,000,000 | 0.75% |
| Above $2,000,000 | No additional fee |