Annualized return is net of fees at hightest marginal rate
Oncubic's approach to portfolio selection first accounts for your total investment size then matches you to the appropriate portfolio relative to your level of risk tolerance. As you can see in the graph above, assuming higher levels of risk results in higher expected returns. From the Oncubic Total Solution portfolios to the Oncubic Uber portfolio, all Oncubic portfolios focus on the risk factors that best determine portfolio returns: company size and financial strength. With the knowledge that market indices typically outperform actively managed funds, Oncubic takes this one step further by harnessing the power of the markets via index based portfolios that are weighted towards small cap and value companies, the same group of securities that have historically yielded the highest rewards to investors.
All Oncubic portfolios are engineered to follow the arc of the Efficient Frontier, maximizing consistently attainable returns for your specific risk profile. Risk levels are managed via the inclusion or exclusion of fixed income securities: For the risk averse, a greater percentage of fixed income securities are applied to the portfolio and for the risk tolerant, fixed income securities are not included. The number in each of Oncubic's portfolio names represents the percentage of equity securities in that specific portfolio, i.e. the "Oncubic Total Solution 40" ("OTS 40") is composed of 40% equity securities and 60% fixed income securities while the Oncubic Precision 90 ("OP 90") is composed of 90% equity securities and 10% fixed income securities.
As can be seen in the graph above, Oncubic's tiered portfolio strategy is designed to push the portfolio selections up the Efficient Frontier as investment size increases. You will also note that as total investment size increases, the number of portfolio choices increases allowing more precision matching you to your appropriate portfolio based on your risk profile.
All Oncubic portfolios are continually monitored to ensure proper asset allocations and diversification and are rebalanced when necessary. Rebalancing is required when a security changes status, for example when a small cap stock becomes a large cap stock or a value stock becomes a growth stock.
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DISCLAIMER: Performance results assume the reinvestment of dividends, ordinary income and capital gains and bi-annual rebalancing. The performance of the strategy reflects, and is net of, the effect of annual investment management fee of 0.9%, billed monthly. Monthly fee deduction is a requirement of our software used for determining historical performance. Actual advisory fees are deducted quarterly. Depending on the size of your assets under management, your investment management fee may be less. Mutual fund fees and expenses have been deducted from the simulated index data. Although index mutual funds minimize tax liabilities from short and long term capital gains, any resulting tax liability is not deducted from performance results. Performance results do not reflect transaction fees and other expenses charged by broker-dealers.
The performance information presented in the chart or table represents backtested performance based on combined simulated index data and live (or actual) mutual fund results from Jan 1, 1991 to period ending date shown using the strategy of buying, holding and bi-annual rebalancing globally diversified portfolios of index funds. Backtested performance is hypothetical (it does not reflect trading in actual accounts) and is provided for informational purposes to indicate historical performance had the index portfolios been available over the relevant period. Oncubic did not offer the index portfolios until June 2007. Prior to 2007, Oncubic did not manage client assets. Client portfolios are monitored and rebalanced, taking into consideration risk exposure consistency, transaction costs, and tax ramifications to maintain target asset allocations as shown in the model portfolios.
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