x

GUARDIAN

DID YOU KNOW 10,000*
BABY BOOMERS RETIRE
EACH DAY?

*VIA Investopedia

Guardian is a tactical growth strategy with the goal of conservatively participating in equity markets, while avoiding catastrophic bear market losses.

Details                 as of 09/30/21

Morningstar Ticker             F00000MKBG

Model Type                   Tactical Allocation

Inception Date                         06/01/1996

Account Minimum                             None

AUM/AUA                                  $40 Million

Model Fee                                         0 bps** 

Investment Vehicles           Mutual Funds

Typical Number of Holdings                   4

Documents                                 Fact Sheet

Holdings

as of 09/30/21

%

CRDBX

%

CRTBX

%

CRMVX

%

CRTOX

Details

Morningstar Ticker

Model Type

Inception Date

Account Minimum

AUM/AUA

Model Fee

Investment Vehicles

Typical Number of Holdings

Documents

as of 09/30/21

F00000MKBG

Tactical Allocation

06/01/1996

None

$40 Million

0 bps**

Mutual Funds

4

Fact Sheet

Holdings

%

CRDBX

%

CRTBX

as of 09/30/21

%

CRMVX

%

CRTOX

Description

The strategy employs a “Core and Explore” investment philosophy using a suite of affiliated tactical mutual funds. Guardian will hold a Core (70%-80%) position that will focus on diversified and defensive equity exposure. Then the Explore (20%-30%) portion will use momentum to rotate among a group of tactical funds.

The underlying funds utilize a combination of dynamic asset allocation and mechanical system trading. Additionally, they employ risk management techniques including the use of inverse and cash positions during adverse market conditions; cash positions could at times be 100%.

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SHIFTING FOCUS

Potomac’s Guardian Strategy

Did you know 10,000 baby boomers retire each day?

Historically, the financial industry has been focused on the accumulation phase for clients as they plan and prepare for retirement.

Having spent their lives accumulating assets, these baby boomers must now focus on the distribution of those assets.

The biggest risk to these investors is around the sequence of returns.

 

The above study assumes a client starts with a $500,000 investment in 2000 and makes an annual COLA adjusted withdrawal of 5%. Although the returns are real, the assumption is a hypothetical portfolio illustration.

**Potomac is entitled to receive from each Conquer Risk Fund an annual advisory fee of 1.25% based on each Funds’ average daily net assets but may receive less due to waivers. For additional information about the Conquer Risk Funds, please see the funds’ Prospectus and Statement of Additional Information here.

DISCLOSURE

Potomac’s performance results are based on a representative account. The representative account is an actual account that is considered representative of the majority of client accounts with similar investment objectives. Returns for this strategy and the Benchmark are time-weighted, total returns that reflect the reinvestment of dividends and capital gain distributions. You cannot invest directly in an index. Performance returns are presented net of fees. Net of fee performance is net of the maximum (2.5%) advisory fees, underlying fund management fees, other fund (administrative) expenses and, if any, redemption or 12b1 (fund marketing) fees. Past performance does not guarantee future results. There is no guarantee that any investment strategy or account will be profitable or will not incur loss.  Individual investors’ objectives, financial situations, their specific instructions, or restrictions on investments, or the time at which an account is opened, or additions are made may result in different trades and returns from the representative account. Performance for other Potomac investment strategies may differ materially (more or less) from the performance of the comparable index. Market and economic conditions could change in the future producing materially different returns. Results do not reflect a deduction for taxes for taxable accounts. There would be no deduction for non-taxable accounts. The results shown above reflect the use of Fidelity Investments as custodian. The use of any other custodian could affect the investment choices available, and the fees associated with the other custodian could be higher. Both factors could lead to lower performance than that shown above. Data is calculated using Y charts. This presentation is supplemental to the composite report. The Annual GIPS® Report is available upon request.

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