Understanding the Harvest Portfolios
Every investor has a different "sleep at night" factor. To help you stay committed to your long-term goals, Harvest offers a spectrum of strategies that adjust the balance between Equities (Stocks for growth) and Fixed Income (Bonds for stability).
Our Portfolio Strategies
While traditional firms use generic industry labels, we’ve designed our tiers to reflect your specific stage of stewardship and comfort with market movement.
Harvest Portfolio | Industry Benchmark | Primary Objective | Target Allocation |
Cautious | Conservative | Capital Preservation | 20% Stocks / 80% Bonds |
Stable | Moderately Conservative | Income & Stability | 35% Stocks / 65% Bonds |
Balanced | Moderate | Growth + Stability | 60% Stocks / 40% Bonds |
Adventurous | Growth-Oriented | Long-Term Growth | 80% Stocks / 20% Bonds |
Bold | Aggressive | Maximum Growth Potential | 100% Stocks / 0% Bonds |
How We Approach Your Portfolio Match
Risk tolerance is the balance between your financial ability to weather market dips and your emotional willingness to do so. Harvest is designed to help you identify which of our five strategies most closely aligns with your objectives.
Factors We Consider
When you complete your profile, our system evaluates several standard variables to suggest a strategy:
Time Horizon: The number of years before you expect to begin withdrawing funds. Generally, longer horizons may allow for a more growth-oriented approach.
Financial Profile: We look at your current income and net worth to ensure the suggested risk level is proportionate to your overall financial situation.
Risk Appetite: We assess your comfort level with historical market volatility. The goal is to select a strategy that encourages you to stay invested during temporary market downturns.
Why Proper Alignment Matters
Alignment is about finding a "sweet spot." If a portfolio is too aggressive for your comfort level, you may be tempted to exit the market at the wrong time (during a dip). Conversely, if it is too conservative, your portfolio may not grow enough to meet your long-term financial goals.
By selecting a strategy that matches your profile, you are better positioned to maintain the discipline required for successful long-term stewardship.
The Bottom Line: Your risk profile isn't static. It can change as you grow in your career or enter new seasons of life. Harvest makes it simple to review and update your strategy to ensure your investments stay aligned with your current reality.
Important Disclosure: The suggested portfolio is based on the information you provide and is not a guarantee of future performance. All investing involves risk, including the possible loss of principal.