Moderately Conservative
Balanced | Model 161


Saratoga Capital Management, LLC's Moderately Conservative Balanced Model, also known as Model 161, began in September of 1994.  To view the model's current quarterly 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.

Saratoga Capital Management, LLC does not advise individual clients.  To access Saratoga's asset allocation models, please contact your financial advisor.

 
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 ratio of Core Equity, Sector Equity, Alternative, and Fixed Income asset classes in the model.  Please note that Model 161 currently has no exposure to the Sector Equity group.

Equity

  • Large Cap Growth
  • Large Cap Value
  • Mid Capitalization
  • Small Capitalization
  • International Equity

Sector Equity

  • Health & Biotechnology
  • Technology & Communications
  • Financial Services
  • Energy & Basic Materials
  • Global Real Estate

Alternative

  • Macro
  • Multi-Strategy Alternative

Fixed Income

  • Investment Quality Bond
  • Municipal Bond
  • 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. 

 

Vertical axis above is the percentage allocation to the sector listed below the horizontal axis. 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. 

Saratoga Capital Management, LLC does not advise individual investors.  If you are interested in using the above asset allocation strategies, please consult with your financial advisor.