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SensiblePortfolios Factsheet
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Copyright©2009,ArmuthAssetManagement Lastupdated:December10,2009
Figure1:SensiblePortfoliosoffersa rangeof risk/expectedreturnprofiles from which to choose. (Percentages and portfolios varyperindividualstrategyselected.)
Justas your accountant helps youwith appropriate and affordable tax
planning,SensiblePortfolios™isdesignedto
help you pursue your investment goals—
simply,intelligentlyandaffordably.
SensiblePortfoliosoffersfourstrategies:
• SensibleIRA
(fortax‐shelteredinvesting)
• SensibleTax‐Managed
(fortaxableinvesting)
• SensibleSustainable
(forsustainableinvesting)
• SensibleExpress(forsmalleraccounts)
You choose from multiple portfolios
available within each strategy, based on
whether you require higher or lower risk—
and expected return — to pursue your
particular financial goals. (See Figure 1.) Each portfolio is carefully designed to help you invest
according to a disciplined plan that makes sense. SensiblePortfolios addresses these principles of
soundinvesting:
• Managingrisk(andexpectedcommensuratereturn)throughdiversificationandassetallocation
• Reducingfeesandexpenseswhereverpossible
• Adoptingapassiveinvestmentstrategytohelpyoufocusonachievinglong‐termgoalsratherthan
ontryingtooutperformthemarket
SensiblePortfoliossolutionsareaffordable,offeringessential investmentadvisoryserviceswithoutall
thefrills.Thatsoundssensible,doesn’tit?
http://sensibleportfolios.com
Copyright©2009,ArmuthAssetManagement Lastupdated:December10,2009
KeyFeatures• Simple, cost‐effective investing to sensibly pursue
appropriatemarketreturns• Afixed, low‐cost feebasedonwhatwethink is fair
price tomanageyour account. (We think you’ll likeourquote.)
• Minimumaccountsize$25,000.• Web‐basedperformancereportsupdatedeachday.• Afocusonminimizingfeesandexpenses.• GuidedbyNobel‐Prizewinningresearch.
Process• First,anArmuthAssetManagementadvisoranalyzes
your existing portfolio to see if changes arewarranted.Ifyourcurrentportfolioissound,there’snoneedtochange!
• If SensiblePortfolios makes sense for you, yourArmuth advisor helps you assess your individualgoalsanddetermineyourdistinctriskprofile.
• You’ll receive guidance inestablishing your accountandselectingaportfoliotosuityourgoals.
• You receive ongoing advice and performancereports.
NutsandBoltsThe SensiblePortfolios family includes four strategies,eachofferingthree–sixintuitiveportfoliosfromwhichto
choose. You choose the strategy and portfolio thatmakessenseforyourdistinctriskprofileandinvestmentgoals. (See Figure 2.) Portfolios are constructed with
institutional‐level, passive investment solutions fromDimensional Fund Advisors (www.dfaus.com).Dimensionaloffersdiversificationboth inthenumberof
securities itholds (thousands)aswellas in the rangeofassetclassesrepresentedwithinitsfundofferings.
SensiblePortfolios™Overview
SensibleIRA,Tax‐ManagedandSustainableStrategies
Portfolio Equity FixedIncome
1 20percent 80percent2 40percent 60percent3 50percent 50percent4 60percent 40percent5 80percent 20percent6 100percent 0percentSensibleExpressStrategy
Portfolio Equity FixedIncome
1 25percent 75percent2 60percent 40percent3 100percent 0percent
Figure 2: Each SensiblePortfolios strategy offers three–sixportfolios ranging from least risky/lowest expected returntomostrisky/highestexpectedreturn.
WhoisSensiblePortfolios?SensiblePortfoliosisaserviceprovidedbyArmuthAssetManagement (www.armuth.com), a RegisteredInvestment Advisor firm located in Reno, Nevada,
offering fee‐only investment advice to individuals,trustees and retirement plans. Darrell Armuth hasdesigned his investment advisory services around his
beliefintheimportanceofcontrollingfeesandexpenseswhileseekingglobalmarketreturns.Hehasdesignedhisinvestment advisory services around his belief in the
importanceofcontrollinginvestment‐relatedcostswhilemaintaining quality service. Armuth AssetManagementoffers bottom‐line attention to your portfolio, with the
prudence you deserve to help you pursue your long‐rangefinancialgoals.
http://sensibleportfolios.com
Copyright©2009,ArmuthAssetManagement Lastupdated:December10,2009
SixSensibleIRAportfoliosareavailableforyoutochoosefrom,basedon
yourdistinctfinancialgoalsandriskprofilewithinyourtax‐shelteredaccounts.
DISCLAIMER:ThisbrochureisforinformationalpurposesonlyanddoesnotconstituteacompletedescriptionofArmuthAssetManagement’sinvestmentservicesorperformance.Thisbrochureisinnowayasolicitationoroffertosellsecuritiesorinvestmentadvisoryservicesexcept,whereapplicable,instateswhereArmuthAssetManagementisregisteredorwhereanexemptionorexclusionfromsuchregistrationexists.Nothinginthisbrochureshouldbeinterpretedtostateorimplythatpastresultsareanindicationoffutureperformance.
SensibleIRAPortfolios http://sensibleportfolios.com
Copyright©2009,ArmuthAssetManagement Lastupdated:December10,2009
SixSensibleTax‐Managedportfoliosareavailableforyoutochoosefrom,basedonyourdistinctfinancialgoalsandriskprofilewithinyourtaxableaccounts.
DISCLAIMER:ThisbrochureisforinformationalpurposesonlyanddoesnotconstituteacompletedescriptionofArmuthAssetManagement’sinvestmentservicesorperformance.Thisbrochureisinnowayasolicitationoroffertosellsecuritiesorinvestmentadvisoryservicesexcept,whereapplicable,instateswhereArmuthAssetManagementisregisteredorwhereanexemptionorexclusionfromsuchregistrationexists.Nothinginthisbrochureshouldbeinterpretedtostateorimplythatpastresultsareanindicationoffutureperformance
SensibleTax‐ManagedPortfolios http://sensibleportfolios.comhttp://sensibleportfolios.com
Copyright©2009,ArmuthAssetManagement Lastupdated:December10,2009
SixSensibleSustainableportfoliosareavailableforyoutochoosefrombasedonyourdistinctfinancialgoalsandriskprofile.
DISCLAIMER:ThisbrochureisforinformationalpurposesonlyanddoesnotconstituteacompletedescriptionofArmuthAssetManagement’sinvestmentservicesorperformance.Thisbrochureisinnowayasolicitationoroffertosellsecuritiesorinvestmentadvisoryservicesexcept,whereapplicable,instateswhereArmuthAssetManagementisregisteredorwhereanexemptionorexclusionfromsuchregistrationexists.Nothinginthisbrochureshouldbeinterpretedtostateorimplythatpastresultsareanindicationoffutureperformance
SensibleSustainablePortfolios http://sensibleportfolios.com
Copyright©2009,ArmuthAssetManagement Lastupdated:December10,2009
ThreeSensibleExpressportfoliosareavailableforyoutochoosefrom,basedonyourdistinctfinancialgoalsandriskprofilewithinyoursmalleraccounts.
DISCLAIMER:ThisbrochureisforinformationalpurposesonlyanddoesnotconstituteacompletedescriptionofArmuthAssetManagement’sinvestmentservicesorperformance.Thisbrochureisinnowayasolicitationoroffertosellsecuritiesorinvestmentadvisoryservicesexcept,whereapplicable,instateswhereArmuthAssetManagementisregisteredorwhereanexemptionorexclusionfromsuchregistrationexists.Nothinginthisbrochureshouldbeinterpretedtostateorimplythatpastresultsareanindicationoffutureperformance
SensibleExpressPortfolios http://sensibleportfolios.com