Conservative Portfolio
Protect yourself from inflation and grow your savings from anywhere in the world with our Conservative Portfolio, a smart, liquid and reliable investment option.
What is a Conservative Portfolio?
A conservative investment portfolio is a collection of financial assets designed to minimize risk and preserve capital . It is geared toward investors who prefer stability and security over potential high profits.
Asset Types: Between 45%-40% ETFs in the equity sector and between 55%-60% ETFs in the bond, precious metals, real estate and cash sectors.
Investment region: More than 66% is invested in North American financial instruments and the rest in Asia, Israel and Europe.
Portfolio Manager: Giampiero Riccio, CFA (Chartered Financial Analyst)
Minimum initial amount: $5,000.
Monthly contributions: It is advisable to make monthly contributions, but it is not mandatory.
Administration fee: Between 1.25% and 0.75% annually applied to the value of the account.
Investment horizon: There is no minimum permanence period. However, it is advisable to have a minimum investment horizon of 3 years.
TESTIMONIALS
"From the first moment they have been very attentive, they took me from the creation of the account to understanding what my money is invested in. I feel sure that my investments are paying off and that I can keep an eye on them 24/7. I started with little capital and the confidence that they have inspired me, has already made me invest a significant capital of my savings. 100% recommended to all those who want to invest their money intelligently and safely."
Abraham C.
"My experience with Riccio has been very good, he explained everything to me clearly and he was always willing to explain any doubt and immediately. When it comes to money, the fear is always looking for someone you can trust, with knowledge about what he speaks and above all sincere, this is what Riccio offers you."
"I am very satisfied that I made the decision to start investing with the support and management of Giampiero. I started with little capital, it is always a bit scary if we are not familiar with it, but in the few months that I have, I have seen how it has My portfolio has been growing, which has given me more security and confidence that it is in good hands and I have been giving more contributions to be able to grow my money over time in an intelligent way and not stagnant in a bank."
Who is the Conservative Portfolio for?
Investors looking for security: For those who accept some volatility but prefer to minimize risks in their investments.
Investing beginners: An excellent option for those who are just starting out and looking for an approach that gives them greater peace of mind.
People close to retirement: Perfect for those who are close to retiring and prefer a stable, low-risk investment.
Savers who want to beat inflation: Those who want higher returns than those offered by traditional savings accounts and protect their money from inflation.
What does the Conservative Portfolio invest in?
Our Conservative Portfolio is comprised of approximately 45%-40% equity sector ETFs and the remainder bond, precious metals, real estate and cash sector ETFs.
Geographically, it is invested mostly (approx. 66%) in financial instruments that reflect North American issuers . The rest of the portfolio is invested in Asia, Israel and Europe.
Within the stock sector, the companies with the greatest representation are Apple, Microsoft, Amazon, NVIDIA and Taiwan Semiconductors.
This composition varies over time, in accordance with the expectations of portfolio managers and is recommended for those investors who, although not completely comfortable with the volatility of the stock markets, have some tolerance for risks and volatility. that this implies.
Evolution of our Conservative Portfolio
In the following graph you can see the evolution of $10,000 invested in our portfolios over the last 10 years, as well as the comparison with the returns on bank savings accounts in the United States.
*Este gráfico representa la composición y el desempeño histórico de este portafolio a modo indicativo y no debe considerarse como representación fiel de los portafolios de inversionistas reales.
Benefits of investing with us
Low barrier to entry
The minimum amount to open an account is US$5,000.
Low costs
Due to the use of investment portfolios that require a low level of brokerage activity and low administration fees, the savings in the service translate into higher returns for the client. The handling cost is between 1.25% and 0.75% per year applied to the value of the account.
Transparency and flexibility
Online access to balances and positions. The assets are held by Interactive Brokers® on behalf of the client. You can terminate the investment portfolio management service at any time and keep the assets, being able to pass them on to another manager.
Supervision and guarantees
So muchInteractive Brokers® as Riccio & Associates LLC are supervised and regulated entities in the United States. Client's assets are guaranteed up to $500,000 perSIPC.
Reliability
Clients own the instruments acquired in their investment portfolio regardless of whether they maintain a current relationship with Riccio & Associates LLC. The instruments that make up the investment portfolios are very liquid and can be sold at any time, if necessary, without detriment to the price, under usual conditions.
Professional management
Investment portfolios or portfolios are managed by managers with long experience and professional training.
Steps to hire your Conservative Portfolio
01
Contact us and answer a form to discover which investment portfolio is best for you.
03
Transfer at least $5,000 to your Interactive Brokers account to start investing.
02
Open a brokerage account in your name at Interactive Brokers (we can help you every step of the way)
04
Your money will be invested by experts and you will be able to access your balances and movements at any time.
Investment risks
Although our conservative portfolio is designed to minimize risk, it is not exempt from financial market fluctuations and may experience negative returns during certain periods, as shown in the performance charts.
About Riccio & Associates
Riccio & Associates LLC was founded in 2015 by Giampiero Riccio, who has more than 30 years of experience in different positions in the investment industry in several countries and maintains the professional designation of Chartered Financial Analyst (CFA).
Registered and supervised by the State of Florida Office of Financial Regulation, our goal is to help people like you, anywhere in the world, grow their savings with smart investments through the Stock Market.
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