Conservative Balanced


Saratoga Capital Management, LLC's Conservative Balanced Model, also known as Model 149, began in September of 1994.  To view the Allocation Model Profile, please click the image to the right.

To learn more about the model's historical asset allocation postures, scroll down to the Historical Allocation Postures section.  To see the model's current allocation posture, continue down to the Current Allocation Posture section.

 
Allocation Model Profile

Allocation Model Profile

 

Historical Allocation Postures

At Saratoga Capital Management, LLC we believe that asset allocation strategies should change when the economy experiences major changes.  As the market moves between phases such as full-growth, slow-growth, recession and crawl-out, Saratoga considers changes to its asset allocation models.  Saratoga employs an asset allocation process called Dynamic Asset Allocation.  Dynamic Asset Allocation recognizes that the overall economy is fluid, and is comprised of numerous economic sectors.  Saratoga regularly evaluates how individual economic sectors are effecting the general economy in order to develop our asset allocation parameters.  After these parameters are established, the below asset classes are over-weighted or under-weighted in the various asset allocation models to reflect the economic environment we believe we are currently in. 

The following chart shows the 'simple ratio' of Core Equity, Sector Equity & Multi-Strategy, and Fixed Income & Real Return asset classes in the model.  Below are the asset classes that roll-up in to each of the three categories.  

Equity

Sector Equity & Multi-Strategy

  • Health & Biotechnology
  • Technology & Communications
  • Financial Services
  • Energy & Basic Materials
  • Global Real Estate
  • Multi-Strategy Alternative

Fixed Income & Real Return

  • Investment Quality Bond
  • Municipal Bond
  • Global Real Return
  • U.S. Government Money Market
 

Vertical axis above is the percentage allocation to the plotted asset classes; horizontal axis is the date of the allocation change to the model. Asset allocation does not ensure a profit or guarantee against a loss.
 

Current Allocation Posture as of July 15, 2015

Saratoga's most recent asset allocation change occurred on July 15, 2015.  The current allocation posture reflects a belief that the economy is currently in a slow growth phase, between a "mature economy" and a "soft growth" economy.  To learn more about Saratoga Capital Management, LLC's economic research and analytics, please click here to open our asset allocation methodology overview

 

Asset allocation does not ensure a profit or guarantee against a loss.
 

Additional Asset Allocation Models

 

Asset Allocation Model Disclosure

Saratoga's asset allocation models are subject to change without notice.  All investment methodologies and strategies have risks, both general and strategy-specific, including the risk of loss of principal investment.  Asset allocation does not guarantee against a loss.