9690 Old Olympic Hwy.
Sequim, WA 98382
(360)681-8514
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W.J. Schade Financial Services, LLC offers several types of allocation portfolios designed to meet the needs of clients with portfolios up to $150,000, in addition to serving as the basis of more advanced investment strategies for client with larger portfolios. We also offer covered call writing strategies for portfolios in excess of $150,000, and fully customized investment strategies for those with over $1,000,000 to invest. Due to their complexity, we feel that those potential clients interested in investing using covered calls should schedule a meeting to further discuss these strategies. Below are samples of our four commonly used allocation portfolios.
Aggressive Allocation
This portfolio strategy is used for clients with longer investment horizons, and thus the ability to accept greater volatility in exchange for the potential for greater returns. This portfolio includes domestic and international stocks, bonds, and funds.
Domestic Stock Funds: 30%-40% These funds are diversified and may follow a specific investing theme, such as high dividend, large-cap, or small-cap stocks.
Real Estate: 10%-15% This category is used to balance the stock market portion of the portfolio by including a diverse investment in the U.S. real estate market including commercial and residential property.
International: 10%-25% Includes emerging markets as well as developed markets, and may include equities, bonds, and real estate.
Individual Sectors: 0%-35% Any particular sector may be targeted for specific attention at the advisor’s discretion. No more than 25% of the total portfolio may be invested in any one sector.
Bonds: 5%-15% Bond funds are used to provide stable returns to a sometimes volatile portfolio of equities. These bond funds may be convertible, investment grade, or high-yield.
Cash: 0%-100% A small amount of cash, 5%-10% is held in the portfolio in order to cover fee expense, as well as to facilitate future trading. Advisor has full authority to convert the entire portfolio to cash.
Other High-Yield Investments: 0%-25% Other investments may be added to the portfolio at the advisor’s discretion.
Medium Term Allocation
This portfolio is designed to provide less volatility than the aggressive allocation portfolio while still seeking to provide capital appreciation. There is a great reliance on dividend earnings rather than security appreciation. Along with lower volatility, lower returns are expected as well.
Domestic Stock Funds: 25%-35% A large portion of the portfolio is invested in diversified domestic stocks funds. These investments emphasize dividend income.
Real Estate: 5%-15% This category is used to balance the stock market portion of the portfolio by including a diverse investment in the U.S. real estate market including commercial and residential property.
International: 10%-20% International funds place more of an emphasis on developed markets than emerging markets.
Individual Sectors: 0%-25% Any particular sector may be targeted for specific attention at the advisor’s discretion. No more than 20% of the total portfolio may be invested in any one sector.
Bonds: 10%-25% Bond funds are used to provide stable returns to a sometimes volatile portfolio of equities. These bond funds may be convertible, investment grade, or high-yield.
Cash: 0%-100% A small amount of cash, 5%-10% is held in the portfolio in order to cover fee expense, as well as to facilitate future trading. Advisor has full authority to convert the entire portfolio to cash.
Other High-Yield Investments: 0%-25% Other investments may be added to the portfolio at the advisor’s discretion.
Short Term Allocation
This portfolio provides current income while still investing in stocks to allow for some appreciation.
Domestic Stock Funds: 25%-35% A large portion of the portfolio is invested in diversified domestic stocks funds. These investments emphasize dividend income.
Real Estate: 5%-15% This category is used to balance the stock market portion of the portfolio by including a diverse investment in the U.S. real estate market including commercial and residential property.
International: 5%-10% International funds include developed markets and funds that provide dividend income.
Individual Sectors: 0%-15% Any particular sector may be targeted for specific attention at the advisor’s discretion. While not required, these sector specific funds often provide dividend income.
Bonds: 25%-35% Bond funds are used to provide a core of high dividend, low volatility investments. These bond funds may be convertible, investment grade, or high-yield.
Cash: 0%-100% A small amount of cash, 5%-10% is held in the portfolio in order to cover fee expense, as well as to facilitate future trading. Advisor has full authority to convert the entire portfolio to cash.
Other High-Yield Investments: 0%-25% Other investments may be added to the portfolio at the advisor’s discretion. These investments are used for further diversity and are selected largely based on dividend yield.
Current Income
Generally investments with a yield of greater than 3%. This portfolio has limited upside potential, but generates cash each month.
Domestic Stock Funds: 10%-20% High dividend stocks funds, no investments are made in growth stocks.
Real Estate: 10%-20% This category is used to balance the stock market portion of the portfolio by including a diverse investment in the U.S. real estate market including commercial and residential property.
International: 5%-10% International funds include developed markets and funds that provide dividend income.
Individual Sectors: 0%-15% Any particular sector may be targeted for specific attention at the advisor’s discretion. While not required, these sector specific funds often provide dividend income. Energy stocks are often included because they provide high dividends.
Bonds: 35%-50% Bond funds are used to provide a core of high dividend, low volatility investments. These bond funds may be convertible, investment grade, or high-yield.
Cash: 0%-100% A small amount of cash, 5%-10% is held in the portfolio in order to cover fees and expenses, as well as to facilitate future trading. Advisor has full authority to convert the entire portfolio to cash.
Other High-Yield Investments: 0%-25% Other investments may be added to the portfolio at the advisor’s discretion. These investments are used for further diversity and are selected due to their high dividends.
Contact us at: info@wjsfs.com
William Schade Investments is a Registered Investment Advisory firm in the state of Washington,
located at 9690 Old Olympic Hwy. Sequim, WA 98382. William Schade Investments is in compliance
with current registration and /or filing notice requirements imposed upon Washington State Registered
Investment Advisers. William Schade Investments may only transact business in those states in which
it is registered or qualifies for an exemption or exclusion for registration requirements.