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 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.

Inversionista revisa su Portafolio Moderado

Key points of the Conservative Portfolio

  • 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.

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.

Monitoring market fluctuations

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.

Working from Home

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.

Data Analyst

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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Request a free appointment today!

Click here to request more information on how to invest in the global capital markets. 

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