Download - SensiblePortfolios Factsheet

Copyright©2009,ArmuthAssetManagement Lastupdated:December10,2009

Figure1:SensiblePortfoliosoffersa rangeof risk/expectedreturnprofiles from which to choose. (Percentages and portfolios varyperindividualstrategyselected.)

Justas your accountant helps youwith appropriate and affordable tax

planning,SensiblePortfolios™isdesignedto

help you pursue your investment goals—

simply,intelligentlyandaffordably.

SensiblePortfoliosoffersfourstrategies:

• SensibleIRA

(fortax‐shelteredinvesting)

• SensibleTax‐Managed

(fortaxableinvesting)

• SensibleSustainable

(forsustainableinvesting)

• SensibleExpress(forsmalleraccounts)

You choose from multiple portfolios

available within each strategy, based on

whether you require higher or lower risk—

and expected return — to pursue your

particular financial goals. (See Figure 1.) Each portfolio is carefully designed to help you invest

according to a disciplined plan that makes sense. SensiblePortfolios addresses these principles of

soundinvesting:

• Managingrisk(andexpectedcommensuratereturn)throughdiversificationandassetallocation

• Reducingfeesandexpenseswhereverpossible

• Adoptingapassiveinvestmentstrategytohelpyoufocusonachievinglong‐termgoalsratherthan

ontryingtooutperformthemarket

SensiblePortfoliossolutionsareaffordable,offeringessential investmentadvisoryserviceswithoutall

thefrills.Thatsoundssensible,doesn’tit?

http://sensibleportfolios.com


KeyFeatures• Simple, cost‐effective investing to sensibly pursue

appropriatemarketreturns• Afixed, low‐cost feebasedonwhatwethink is fair

price tomanageyour account. (We think you’ll likeourquote.)

• Minimumaccountsize$25,000.• Web‐basedperformancereportsupdatedeachday.• Afocusonminimizingfeesandexpenses.• GuidedbyNobel‐Prizewinningresearch.

Process• First,anArmuthAssetManagementadvisoranalyzes

your existing portfolio to see if changes arewarranted.Ifyourcurrentportfolioissound,there’snoneedtochange!

• If SensiblePortfolios makes sense for you, yourArmuth advisor helps you assess your individualgoalsanddetermineyourdistinctriskprofile.

• You’ll receive guidance inestablishing your accountandselectingaportfoliotosuityourgoals.

• You receive ongoing advice and performancereports.

NutsandBoltsThe SensiblePortfolios family includes four strategies,eachofferingthree–sixintuitiveportfoliosfromwhichto

choose. You choose the strategy and portfolio thatmakessenseforyourdistinctriskprofileandinvestmentgoals. (See Figure 2.) Portfolios are constructed with

institutional‐level, passive investment solutions fromDimensional Fund Advisors (www.dfaus.com).Dimensionaloffersdiversificationboth inthenumberof

securities itholds (thousands)aswellas in the rangeofassetclassesrepresentedwithinitsfundofferings.

SensiblePortfolios™Overview

SensibleIRA,Tax‐ManagedandSustainableStrategies

Portfolio Equity FixedIncome

1 20percent 80percent2 40percent 60percent3 50percent 50percent4 60percent 40percent5 80percent 20percent6 100percent 0percentSensibleExpressStrategy

Portfolio Equity FixedIncome

1 25percent 75percent2 60percent 40percent3 100percent 0percent

Figure 2: Each SensiblePortfolios strategy offers three–sixportfolios ranging from least risky/lowest expected returntomostrisky/highestexpectedreturn.

WhoisSensiblePortfolios?SensiblePortfoliosisaserviceprovidedbyArmuthAssetManagement (www.armuth.com), a RegisteredInvestment Advisor firm located in Reno, Nevada,

offering fee‐only investment advice to individuals,trustees and retirement plans. Darrell Armuth hasdesigned his investment advisory services around his

beliefintheimportanceofcontrollingfeesandexpenseswhileseekingglobalmarketreturns.Hehasdesignedhisinvestment advisory services around his belief in the

importanceofcontrollinginvestment‐relatedcostswhilemaintaining quality service. Armuth AssetManagementoffers bottom‐line attention to your portfolio, with the

prudence you deserve to help you pursue your long‐rangefinancialgoals.

http://sensibleportfolios.com


SixSensibleIRAportfoliosareavailableforyoutochoosefrom,basedon

yourdistinctfinancialgoalsandriskprofilewithinyourtax‐shelteredaccounts.

DISCLAIMER:ThisbrochureisforinformationalpurposesonlyanddoesnotconstituteacompletedescriptionofArmuthAssetManagement’sinvestmentservicesorperformance.Thisbrochureisinnowayasolicitationoroffertosellsecuritiesorinvestmentadvisoryservicesexcept,whereapplicable,instateswhereArmuthAssetManagementisregisteredorwhereanexemptionorexclusionfromsuchregistrationexists.Nothinginthisbrochureshouldbeinterpretedtostateorimplythatpastresultsareanindicationoffutureperformance.

SensibleIRAPortfolios http://sensibleportfolios.com


SixSensibleTax‐Managedportfoliosareavailableforyoutochoosefrom,basedonyourdistinctfinancialgoalsandriskprofilewithinyourtaxableaccounts.

DISCLAIMER:ThisbrochureisforinformationalpurposesonlyanddoesnotconstituteacompletedescriptionofArmuthAssetManagement’sinvestmentservicesorperformance.Thisbrochureisinnowayasolicitationoroffertosellsecuritiesorinvestmentadvisoryservicesexcept,whereapplicable,instateswhereArmuthAssetManagementisregisteredorwhereanexemptionorexclusionfromsuchregistrationexists.Nothinginthisbrochureshouldbeinterpretedtostateorimplythatpastresultsareanindicationoffutureperformance

SensibleTax‐ManagedPortfolios http://sensibleportfolios.comhttp://sensibleportfolios.com


SixSensibleSustainableportfoliosareavailableforyoutochoosefrombasedonyourdistinctfinancialgoalsandriskprofile.


SensibleSustainablePortfolios http://sensibleportfolios.com


ThreeSensibleExpressportfoliosareavailableforyoutochoosefrom,basedonyourdistinctfinancialgoalsandriskprofilewithinyoursmalleraccounts.


SensibleExpressPortfolios http://sensibleportfolios.com

Download - SensiblePortfolios Factsheet

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