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SmartPro Strategies

The Tortoise Strategy

Objective

The race is not always won by the fastest. The Tortoise Strategy represents the conventional wisdom that slow and steady wins the race.

This strategy primarily seeks to provide preservation of capital by investing approximately 80% in fixed income mutual funds. Like a tortoise, these funds seek to provide a slow but consistent pace. However, tortoises are renowned for their long life spans and this strategy also seeks to provide growth of capital with the 20% holdings in equity mutual funds. This strategy is suitable for investors with a conservative risk tolerance.

Portfolio Construction

The growth portion of the strategy adheres to Dave Ramsey’s approach to investing with 25% allocated in Aggressive Growth funds, 25% in Growth funds, 25% in Growth & Income funds, and 25% in International funds. The preservation portion of the strategy contains a blend of fixed-income mutual funds designed for income and inflation protection.
“The race is not always won by the fastest. Slow and steady wins the race.”

RISK TOLERANCE:
Conservative

TARGET ALLOCATION:
20% Equities
80% Fixed Income

Is The Tortoise Strategy Right for You?

Contact a Pro near you to find out.
SmartPro Financial’s mission is to create a simple map for your financial journey that encourages you to leave normal behind and guides you to the future you are hoping for. Our team takes a disciplined approach to selecting investments and constructing world-class portfolios, with a focus on adhering to our principles. Our team actively manages the strategies, pursuing opportunity and adapting as necessary.

Equity and fixed income allocations are targets and may fluctuate within the ranges defined by the Investment Policy Statement.

Investing securities (including the models advertised herein) involves risk of loss. Further, depending on the different types of investments there may be varying degrees of rick. Clients and prospective clients should be prepared to bear investment loss including loss of original principal.

The models advertised herein are not designed based on the individual needs of any one specific client or investor. In other words, it is not a customized strategy designed on the specific financial circumstances of the client. However, prior to opening an account using the advertised model, Cambridge will consult with you to determine if your financial objectives are appropriate for investing in the model. You are also provided the opportunity to place reasonable restrictions on the securities held in your account.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA/SIPC.

Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.

Cambridge is not affiliated with SmartPro Financial or Ramsey Solutions.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA/SIPCPlease reference your advisor's specific bio page on this website, for specific states they are licensed as Registered Representatives in. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and SmartPro Financial are not affiliated. For Advisory services, this communication is strictly intended for individuals residing in the states of AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY.

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