The Four-Step Investment Process

Four Steps. Your Solution.
Developing a sophisticated investment solution requires more than a review of historical patterns. Freedom applies forward-looking assumptions in the construction of its models, placing a premium on those factors that are most likely to add value to your portfolio.

• Step 1: Capital Market Assumptions
  Freedom employs forward-looking risk, return and correlation assumptions based on economic data and indicators. These tools move beyond analyzing historical data and help avoid trend-chasing behaviors.
• Step 2: Asset Allocations
  Whether you are taking an aggressive or conservative approach to investing, Freedom's advanced optimization process is designed to find an asset allocation intended to maximize return potential at various risk levels. The resulting portfolio strategies provide you with options for reducing the overall volatility of your portfolio while remaining in alignment with your overall goals.
• Step 3: Manager Selection and Portfolio Construction
  Freedom treats portfolio construction as a distinct step in the process. Asset allocations are filled with portfolio managers who are selected based on our confidence that they can consistently add value to a Freedom portfolio.
• Step 4: Continual Monitoring
  Proactive performance reviews are essential to maximizing the flexibility of Freedom. All managers are constantly monitored to determine whether organizational adjustments or investment process changes may impact performance. Capital market assumptions are continuously monitored and updated to maintain optimal asset allocations. Automatic rebalancing keeps your portfolio’s asset allocation in line with your original goals and objectives.
* All investing involves risk and you may occur a profit or a loss.