Reducing your investment risk

Investing for the long-term means persisting through market swings. By selling during times of volatility and missing out when the markets turn back up, investors' portfolios could underperform. Instead, investors should consider these funds that can potentially help during times of volatility.

  • With stock markets near all-time highs, lower-risk core bonds can offer diversification benefits and help mitigate risk in case of a sell-off.1
  • Lower volatility equity strategies can help provide returns with less risk.

You should work with a financial advisor before making investment decisions.

01 MALOX
ACCESS A WORLD OF OPPORTUNITY Global Allocation Fund
DESIGNED FOR Returns competitive to global equities
with less risk
SENSITIVE TO Global economic and market risk
Equity Fixed Income
TOP HOLDINGS as of Dec 31, 2018
TOP HOLDINGS as of Dec 31, 2018
Name Weight (%)
ALPHABET INC CLASS C 1.51
APPLE INC 1.47
MICROSOFT CORP 1.44
JOHNSON & JOHNSON 1.3
COMCAST CORP CLASS A 1.14
Name Weight (%)
ANTHEM INC 1.08
AMAZON COM INC 0.96
EXXON MOBIL CORP 0.93
UBER TECHNOLOGIES, INC. 0.93
NESTLE SA 0.89
Name Weight (%)
TREASURY NOTE (2OLD) 2.875 10/31/2023 7.05
TREASURY NOTE 2.875 09/30/2023 6.59
TREASURY NOTE (2OLD) 3 10/31/2025 3.35
TREASURY NOTE 2.75 08/31/2023 2.59
TREASURY NOTE (OLD) 2.875 11/30/2025 2.36
Name Weight (%)
GERMANY (FEDERAL REPUBLIC OF) RegS 0.5 02/15/2028 0.88
TREASURY (CPI) NOTE 0.625 04/15/2023 0.84
MEXICO (UNITED MEXICAN STATES) (GO 6.5 06/10/2021 0.37
MEXICO (UNITED MEXICAN STATES) 8 12/07/2023 0.36
ARGENTINA REPUBLIC OF GOVERNMENT 5.875 01/11/2028 0.35
02 AGG
Diversify for less iShares Core U.S. Aggregate Bond ETF
DESIGNED FOR Diversifying stocks at a low cost
SENSITIVE TO Rising interest rates
Top Holdings as of Jan 18, 2019
Name Weight (%)
BLACKROCK CASH CL INST SL AGENCY 5.8
FNMA 30YR 2016 PRODUCTION 1.6
GNMA2 30YR 2017 PRODUCTION 1.19
GNMA2 30YR 2016 PRODUCTION 1.18
FGOLD 30YR 2016 PRODUCTION 0.99
Name Weight (%)
TREASURY NOTE 0.77
FGOLD 30YR TBA 0.76
TREASURY NOTE 0.76
GNMA2 30YR 2016 PRODUCTION 0.75
GNMA2 30YR TBA(REG C) 0.73
03 USMV
HELP WEATHER U.S. STOCK SWINGS iShares Edge MSCI Min Vol USA ETF
DESIGNED FOR U.S. stocks with potentially less risk
SENSITIVE TO Holistic stock market risk
Top Holdings as of Jan 18, 2019
Name Weight (%)
VISA INC CLASS A 1.6
WASTE MANAGEMENT INC 1.56
PFIZER INC 1.5
MCDONALDS CORP 1.5
NEWMONT MINING CORP 1.49
Name Weight (%)
COCA-COLA 1.48
VERIZON COMMUNICATIONS INC 1.41
REPUBLIC SERVICES INC 1.41
JOHNSON & JOHNSON 1.37
PEPSICO INC 1.37
04 MAHQX
Buffer with core bonds Total Return Fund
DESIGNED FOR Diversifying stocks while seeking outperformance
SENSITIVE TO Rising interest rates
TOP ISSUERS as of Dec 31, 2018
Name Weight (%)
FEDERAL NATIONAL MORTGAGE ASSOCIATION 15.55
GOVERNMENT NATIONAL MORTGAGE ASSOCIATION II 10.15
FEDERAL HOME LOAN MORTGAGE CORPORATION -GOLD 4.55
FEDERAL HOME LOAN MORTGAGE CORPORATION 4.22
BANK OF AMERICA CORP 1.19
Name Weight (%)
UNITED STATES TREASURY 1.08
GOLDMAN SACHS GROUP INC/THE 1.06
MEXICO (UNITED MEXICAN STATES) (GOVERNMENT) 0.83
JPMORGAN CHASE & CO 0.83
VERIZON COMMUNICATIONS INC 0.69