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Exchange Traded Funds
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Stella Nova ETFs Level 1
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Objective: Accumulation of Wealth | Focus: Global Diversification
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Based on your risk and return profile, Stella Nova will select ETFs from five risk-based portfolio strategies that seek long-term growth.
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Portfolio
Allocation
Objective
Aggresive Growth
Aggressive Growth: Predominantly focuses on growth of capital resulting in a very high exposure to equities.
Growth
20% Fixed Income
Growth: Provides a predominant consideration to growth of capital with high exposure to equities compared to fixed income.
Moderate
40% Fixed Income
Moderate: Provides a moderate consideration to growth of capital with a high exposure to equities compared to fixed income.
Conservative
60% Fixed Income
Conservative: Provides some consideration to growth of capital with a high exposure to fixed income compared to equities.
Ultra Conservative
80% Fixed Income
Ultra Conservative: There is consideration to growth of capital with a higher exposure to fixed income compared to equities.
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Exchange Traded Funds
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Stella Nova ETFs Level 2
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Objective: Preservation of Wealth | Focus: Global Diversification + Risk Management
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Select an ETF from one of five risk-based strategies that look to capture market upside and protect from the downside, helping you manage risk while you look to preserve your wealth.
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Portfolio
Allocation
Objective
Aggressive Growth with Risk Management
50% Hedged Equity
Aggressive Growth with Risk Management: Seeks to maximize long-term capital appreciation with a focus on risk management to preserve capital.
Growth with Risk Management
20% Fixed Income
50% Hedged Equity
Growth with Risk Management: Seeks long-term capital appreciation
through exposure to global equity markets with a focus on risk management to preserve capital.
Moderate with Risk Management
36% Fixed Income
44% Hedged Equity
Moderate with Risk Management: Seeks modest long-term capital appreciation while managing risk and preserving capital.
Conservative with Risk Management
54% Fixed Income
36% Hedged Equity
Conservative with Risk Management: Seeks to stabilize long-term growth while managing risk and preserving capital.
Ultra Conservative with Risk Management
30% Hedged Equity
Ultra Conservative with Risk Management: Seeks modest asset growth while managing risk and preserving capital.
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Exchange Traded Funds
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Stella Nova ETFs Level 3: Distribution of Wealth
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Objective: Distribution of Wealth | Focus: Spend Longevity
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Select from different spend rates (7%, 6%, 5%, 4%, 3%) in a diversified strategy that seeks to promote longevity and manage loss during market volatility.
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Portfolio
Allocation
Objective
7% Spend
21% Spending Reserve
Targets a 7% distribution rate, while seeking to mitigate loss during periods of market volatility.
6% Spend
10% Fixed Income
16% Hedged Equity
18% Spending Reserve
Targets a 6% distribution rate, while seeking to mitigate loss during periods of market volatility.
5% Spend
18% Fixed Income
24% Hedged Equity
15% Spending Reserve
Targets a 5% distribution rate, while seeking to mitigate loss during periods of market volatility.
4% Spend
23% Fixed Income
30% Hedged Equity
12% Spending Reserve
Targets a 4% distribution rate, while seeking to mitigate loss during periods of market volatility.
3% Spend
32% Fixed Income
36% Hedged Equity
9% Spending Reserve
Targets a 3% distribution rate, while seeking to mitigate loss during periods of market volatility.
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Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. Strategies are subject to risks including general market risk and risks related to currency fluctuations and economic conditions. Underlying investments fluctuate in price and may be sold at a price lower than the purchase price resulting in a loss of principal. The underlying investments are neither FDIC insured nor guaranteed by the U.S. Government. There may be economic times where all investments are unfavorable and depreciate in value. Clients may lose money. Risk mitigation is NOT a guarantee. Risk mitigation is a strategy that seeks to limit exposure and mitigate loss by changing investment components. Future returns are not guaranteed, and a loss of original capital may occur. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. No strategy assures success or protects against loss. All investing involves risk including loss of principal. ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF’s net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.
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