InvestEdge

Allocation Studio

Set the mix first.
Then size the risk.

Compare four U.S. multi-asset frameworks, then adjust equity, fixed income, real assets, and cash until the mix matches your time horizon — not a product pitch.

Open the mix tool View risk profiles

Illustrative mix · Balanced Core

100%
50%
Equity
32%
Fixed
13%
Real
5%
Cash

Multi-Asset Frameworks

Four sleeves that can be combined, not four products to buy.

U.S. & Global Equities

Public companies as the long-run growth engine, including domestic large-cap and international developed markets.

Expected volatility: high

Fixed Income

Treasuries, investment-grade credit, and short-duration bonds used to stabilize drawdowns and fund spending.

Expected volatility: moderate

Real Assets

Listed real estate and commodity-linked exposure for inflation sensitivity and a different return driver.

Expected volatility: mixed

Cash & Equivalents

Treasury bills and money-market instruments held as a spending buffer and dry powder after market declines.

Expected volatility: low

Interactive Mix Tool

Load a risk profile, then fine-tune the sleeves.

Weights should sum to 100%. The risk label reflects sleeve mix volatility — adjust it to match the client mandate.

50%
32%
13%
5%

Portfolio mix

Total 100%

Equity Fixed Real Cash

Illustrative risk score

Balanced · score 45

Score weights equities highest, then real assets, then bonds, then cash. It is a teaching aid, not a forecast of losses.

Sleeve Construction

How each sleeve is typically built inside U.S. portfolios.

These are structural sketches — the kinds of exposures wealth desks often combine — not a recommendation to buy any fund, stock, or product.

Analyst reviewing financial allocation charts on a laptop

Equity model

A U.S. core (broad large-cap) plus a measured international sleeve. Growth-oriented models raise the equity weight; income models keep it as a minority holding for inflation offset.

Role: long-term compounding

Fixed-income model

A blend of intermediate Treasuries and investment-grade credit. Conservative profiles lengthen this sleeve; aggressive profiles keep only a short ballast for rebalancing.

Role: income and ballast

Real-asset model

Listed REITs and a modest commodity-linked sleeve. Used as a diversifier when inflation or rate regimes shift, not as a standalone growth engine.

Role: inflation-sensitive diversifier

Risk Profiles

Match horizon and drawdown tolerance before you pick holdings.

CONSERVATIVE · 25 / 55 / 12 / 8

Capital preservation first

Built for shorter horizons and investors who cannot tolerate large peak-to-trough declines. Equities remain present so purchasing power is not fully surrendered to inflation.

Typical horizon: 3–7 years · Lower expected return

BALANCED · 50 / 32 / 13 / 5

Participate, but with a floor

The default working mix for many U.S. household portfolios: enough equity to compound, enough bonds to fund spending and rebalance after declines.

Typical horizon: 7–15 years · Core working model

GROWTH · 70 / 17 / 10 / 3

Equity-led compounding

For longer working years where contributions can continue through drawdowns. Fixed income is a rebalancing reserve, not the return engine.

Typical horizon: 15+ years · Higher path volatility

AGGRESSIVE · 88 / 5 / 6 / 1

Near-full market exposure

Reserved for long horizons, surplus capital, and high tolerance for multi-year underperformance. Cash is tactical, not a spending sleeve.

Typical horizon: 20+ years · Highest equity share

Diversification Concepts

Owning more tickers is not the same as owning different risks.

A portfolio of 40 U.S. growth stocks can still move as one asset. InvestEdge models diversify by economic driver: corporate earnings, interest rates, inflation, and liquidity. Rebalancing between those drivers is the mechanism — not constant trading.

  • Combine uncorrelated sleeves, then rebalance on thresholds.
  • Keep cash sized to near-term spending, not as a market call.
  • Raise equity only when the horizon can absorb a deep drawdown.
Financial analytics dashboard used for portfolio diversification review