Model Allocation Portfolios

Investment strategies to match a broad spectrum of goals

Current Income MAPs

Seeks to maximize current income & capital preservation by targeting larger allocations to fixed income investments.

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Capital Appreciation MAPs

Designed for capital growth, tailored to various risk profiles.

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Current Income

Model Allocation Portfolios

Strives to maximize current income and capital preservation

Targets larger allocations to fixed income investments

Current Income MAPs include three income-focused asset classes:

  • Capital Growth focuses on capital appreciation, primarily through an increase in the value of the underlying investment. Equities typically fall in this category.
  • Real Return assets aim to provide inflation-adjusted returns through real-return securities, like REITs and TIPS.
  • Income-Oriented investments aim to contribute to the total return of the strategy. These income-producing products have a broad-based core U.S. exposure combined with select global sectors. Examples include short-, mid-, and long-term U.S. bonds, mortgage backed securities, and international bonds.

Each MAP represents a mixture of ETFs or mutual funds that offer exposure to different asset classes. A step up along the MAP spectrum increases the reward potential of the allocation along with its investment risk.

Current Income MAPs include two complementary risk profiles:

  • Income Generation provides greater exposure to income-oriented securities
  • Purchasing Power Preservation gives greater weight to capital growth and real return asset classes

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Capital Appreciation

Model Allocation Portfolios

Seeks capital growth

Capital Appreciation MAPs focus on traditional asset classes:

  • Equities aim for growth primarily through price appreciation. Examples include either U.S. or International small-, mid-, and large caps.
  • Specialty Equities aim to enhance the diversification and ultimately risk-adjusted characteristics of the portfolio, using investments like REITs.
  • Fixed Income investments aim to contribute to the total return of the strategy through income-producing investments like bonds with U.S. or select global exposure.

The Capital Appreciation MAPs include six risk profiles, each with distinct investment objectives along the risk/return spectrum:

  • Conservative
  • Moderate Conservative
  • Moderate
  • Moderate Growth
  • Growth
  • Enhanced Growth

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