DID YOU KNOW 10,000*
BABY BOOMERS RETIRE
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
as of 09/30/21
Typical Number of Holdings
as of 09/30/21
as of 09/30/21
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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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’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.