Blue Water Portfolios

Blue Water portfolios are designed to be globally diversified, low-cost, and tax-efficient. We have Target Portfolios that range from 25% stock to 100% stock. The needs of most clients are usually met with one of these portfolios. However, if your investment portfolio requires extra customization (due to constraints), or you prefer more or less of an asset class (some people choose to exclude Alternatives because they are unfamiliar with them), we will customize one of our Target Portfolios for you.

Here is an example of our Target "70" Portfolio in both Advanced and Core forms. During our investment process, we will discuss which approach would work better for your situation.

Advanced Portfolio Individual asset class funds Portfolio Expense Ratio: 0.36% Number of Holdings: 15,000+ Stocks 70%   US Large Blend 14%   US Large Value 14%   US Small Blend 7%   US Small Value 7%   Global Real Estate 6.5%   International Large Value 8%   International Small Blend 3.5%   International Small Value 3.5%   Emerging Markets Core 6.55% Bonds 20%   US Short Term Bond 4.75%   US Intermediate Term Bond 4.75%   Global Bonds 4.75%   TIPs 4.75%   Cash & Equivalents 1% Alternatives 10%   Commodities - Broad 4%   Gold 3%   Market Hedge 3%

Core Portfolio Total market funds Portfolio Expense Ratio: 0.33% Number of Holdings: 15,000+ Stocks 70%   US Core Equity 42%                     Global Real Estate 6.5%   International Core Equity 15%               Emerging Markets Core 6.5% Bonds 20%   US Core Bonds 14.25%               TIPs 4.75%   Cash & Equivalents 1% Alternatives 10%   Commodities - Broad 10%

Advanced Portfolios are usually preferred for larger or more complicated investment portfolios because of their ability to be customized to a greater degree than the Core Portfolios. This is due to the use of separate funds being used for individual asset classes.

Core Portfolios are usually preferred for smaller or less complicated investment portfolios because they have a tendency to have lower expense ratios, lower transaction fees (due to fewer funds, and funds containing multiple asset classes), and are easier to keep balanced.

Both portfolios are extremely diversified and low cost.  It's just a matter of which approach works better for your situation.

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