A portfolio consisting of stock and bond ETFs
MODEL TABLE OF CONTENTS (Skip to Section)
The Ultra Conservative Model is an example portfolio containing publicly traded mutual funds and exchange-traded funds that trade on U.S. exchanges. The holdings listed are representative examples. Other ETFs and funds with similar characteristics could be used.
Who Should Use An Ultra Conservative Portfolio?
- Investors in or nearing retirement / financial independence whose spending plans and lifestyle would be severely disrupted by a major market downturn. In other words, investors who can’t afford to lose much money, but understand that a very low tolerance for risk will require a lower return objective.
- Investors, including retirees, who have sufficient investment assets or pensions that can meet their spending needs while earning a very low return on their investment portfolio. In other words, investors who can maintain their lifestyle without taking much investment risk.
Performance for periods ending September 30, 2025
Performance is annualized for periods longer than one year.
| 3 Months | YTD | 1 Year | 3 Year | 5 Year | Since Inception | Inception Date | Maximum Drawdown | Annual Standard Deviation | |
|---|---|---|---|---|---|---|---|---|---|
| Ultra Conservative Portfolio | 3.0% | 8.2% | 6.2% | 8.3% | 3.2% | 3.2% | 12/31/2018 | -15.0% | 4.9% |
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