Portfolio Models

Mutual Fund Portfolio Models

Your Freedom Mutual Fund Account includes one of eight investment approaches ranging from conservative to global equity. Based on your goals and personal tolerance for risk, your advisor will help you select the model that's right for you.

• Conservative Strategy
  (30% Equity / 63% Fixed Income / 7% Alternative Investments)
• High Income Strategy
  (27% Equity / 73% Fixed Income / 0% Alternative Investments)
• Conservative Balanced Strategy
  (46% Equity / 44% Fixed Income / 10% Alternative Investments)
• Balanced Strategy
  (60% Equity / 32% Fixed Income / 8% Alternative Investments)
• Balanced with Growth Strategy
  (70% Equity / 17% Fixed Income / 13% Alternative Investments)
• Growth Strategy
  (86% Equity / 2% Fixed Income / 12% Alternative Investments)
• Aggressive Growth Strategy
  (88% Equity / 2% Fixed Income / 10% Alternative Investments)
• Global Equity Strategy
  (80% Equity / 2% Fixed Income / 12% Alternative Investments / 6% Allocation)
• Equity Income
  (89% Equity / 2% Fixed Income / 9% Alternative Investments)
• Equity Income Balanced
  (51.5% Equity / 40% Fixed Income / 8.5% Alternative Investments)
• Flexible Equity
  (72.5% Equity / 2.0% Fixed Income / 8.0% Alternative Investments / 17.5% Allocation)
• Flexible Equity Plus
  (60% Equity / 18% Fixed Income / 14% Alternative Investments / 8% Allocation)

ETF Portfolio Models

Your Freedom ETF Account includes one of seven investment approaches ranging from conservative to global equity. Based on your goals and personal tolerance for risk, your advisor will help you select the model that's right for you.

• ETF Conservative Strategy
  (30% Equity / 65% Fixed Income / 5% Alternative Investments)
• ETF Conservative Balanced Strategy
  (46% Equity / 45% Fixed Income / 9% Alternative Investments)
• ETF Balanced Strategy
  (60% Equity / 33% Fixed Income / 7% Alternative Investments)
• ETF Balanced with Growth Strategy
  (70% Equity / 17% Fixed Income / 13% Alternative Investments)
• ETF Growth Strategy
  (86% Equity / 2% Fixed Income / 12% Alternative Investments)
• ETF Aggressive Growth Strategy
  (88% Equity / 2% Fixed Income / 10% Alternative Investments)
• ETF Global Equity Strategy
  (86% Equity / 2% Fixed Income / 12% Alternative Investments)

Retirement Income Solution Portfolio Models
Your Freedom Retirement Income Solution account includes one of three investment portfolios designed to address both market risk and longevity risk. Based on your goals and personal tolerance for risk, your advisor will help you select the model that's right for you.

• Early Retirement
  (66% Equity / 29% Fixed Income / 5% Alternative Investments)
• Mid-Retirement
  (55% Equity / 38% Fixed Income / 7% Alternative Investments)
• Senior Retirement
  (37.5% Equity / 55% Fixed Income / 7.5% Alternative Investments)

UMA Portfolio Models
With Freedom UMA, your particular financial circumstances, goals and risk tolerance are reviewed to help determine which of the available asset-allocation models may be right for you. The models are spread among eight different objectives ranging from conservative balanced to global. You and your financial advisor determine what's right for you.

The model descriptions illustrate Freedom UMA's eight available investment objectives using asset allocation options for an investor with at least $600,000 to invest. It's important to note that other asset allocation choices also may be available to this hypothetical investor, depending on goals, preferences and investment amount. Some models are more heavily concentrated in a smaller number of SMAs, while others are built with more asset classes and may include mutual funds. Again, your financial advisor will work with you to help you understand all of your choices.

• Conservative Balanced Model
• Equity Income Model
• Balanced Models
• Balanced with Growth Models
• Growth Models
• Aggressive Model
• Global Strategy Model
• Flexible Equity Strategy Model

Dynamic UMA Models

• Dynamic Growth Model
• Dynamic Balanced With Growth Model
• Dynamic Balanced Model
• Dynamic Equity Income Model

* Mutual funds are sold by prospectus only. Investors should consider the investment objectives, risks, charges and expenses of an investment company carefully before investing. The prospectus contains this and other information about an investment company and is available from your financial advisor. The prospectus should be read carefully before investing.

An exchange-traded fund, or ETF, is a type of investment company whose investment objective is to achieve a return similar to that of a particular market index. An ETF will invest in either all of the securities or a representative sample of the securities included in the index they track. ETFs may be bought or sold throughout the day in the secondary market, but are generally not redeemable by retail investors for the underlying basket of securities they track. Clients likely to find a Freedom ETF strategy most appropriate are those willing to accept market-like returns, lower management fees and operating expenses, with little potential for the individual ETFs to outperform the indices they track. Mutual funds are typically actively managed, and as a result, the underlying management fees and operating expenses assessed by the fund companies are generally higher than those for ETFs (1% to 1.5% for mutual funds versus .20% to .30% for ETFs). Potential investors should understand that the annual advisory fee charged in the Freedom ETF program is in addition to the management fees, operating expenses, and other expenses associated with an investment in ETFs.

Separately Managed Accounts (SMAs) may not be appropriate for all investors. SMA minimums are typically $100,000 and may be more appropriate for affluent investors with $300,000 or more to invest.