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THE CHARLES MODEL

Investment Objectives: Conservative

The Charles strives to provide modest long-term capital appreciation and income for investors desiring a low level of risk. This conservative portfolio provides exposure to over 6,100 stocks in U.S. and foreign markets. A significant allocation to fixed income provides diversification and exposure to more than 3,900 U.S. Government and investment-grade corporate bonds. As part of the Diversified Core Model Portfolio Series, The Charles leverages ETFs for cost savings and tax efficiency.

Model Details

Management Fee:
0.25%
Blended Fund Expense Ratio:
0.25%
Total Expense:
0.50%
Portfolio Manager:             
Gary Aiken

Target Risk Profile 

For illustrative purposes only.

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Low Risk

High Risk

Updated as of July 31, 2022

TARGET HOLDINGS
ALLOCATION
EQUITIES
Vanguard Intmdt-Term Trs ETF 17%
SPDR Blackstone Senior Loan ETF 15%
Avantis® US Large Cap Value ETF10%
iShares Core Dividend Growth ETF10%
VanEck Vectors Investment Grade Floating Rate ETF9%
Dimensional Intern Core Equity Market ETF8%
SPDR® Portfolio Mortgage-Backed Bond ETF8%
Nationwide Risk-Managed Income ETF8%
SPDR® Portfolio S&P 500 Growth ETF
5%
iShares Exponential Technologies ETF
3%
Invesco 1-30 Laddered Treasury ETF
3%
SPDR® S&P Kensho New Economies Comps ETF
2%
ARK Innovation ETF 1%
CASH
Cash1%
GRAND TOTAL100%

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TARGET

CORE

ALLOCATION

31% US Equity

9% Foreign Equities

1% Emerging Markets

19% Government Bonds

9% Floating Rate Corporate 

8% Securitized Bonds

15% Floating Rate Bank Loans

7% Alternative Investments

1% Cash & Equivalents



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TARGET

EQUITY

STYLE

23% Large Value

32% Large Core 

18% Large Growth

7% Mid Value

9% Mid Core

5% Mid Growth

2% Small Value

2% Small Core

2% Small Growth

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TARGET

ECONOMIC

SECTOR

21% Technology

16% Healthcare

17% Financial Services

12% Industrials 

10% Consumer Cyclical

7% Communication Services

6% Consumer Defensive

4% Basic Materials

% Utilities

% Energy

1% Real Estate

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Gary Aiken

CIO and Lead Portfolio Manager

Gary is the Chief Investment Officer (CIO) for Concord Asset Management and is responsible for macroeconomic analysis, asset allocation, and security selection, in addition to trading and investment operations. He has over 21 years of investment experience and holds an undergraduate degree in economics from the University of Maryland and an MBA from The George Washington University School of Business.


Meet the rest of the team

EMAIL US
(276) 628-5910
The information provided is for educational and informational purposes only and does not constitute investment advice and should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. The views expressed in this commentary are subject to change based on the market and other conditions. These documents may contain certain statements that may be deemed forward‐looking statements. Please note that any such statements are not guarantees of any future performance and actual results or developments may differ materially from those projected. Any projections, market outlooks, or estimates are based upon certain assumptions and should not be construed as indicative of actual events that will occur. All data is as of the end of November 2020 unless otherwise noted. Data sources include www.morningstar.com. All information has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability, or completeness of, nor liability for, decisions based on such information and it should not be relied on as such. 
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Concord Asset Management (“CAM”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where CAM and its representatives are properly licensed or exempt from licensure. 
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