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, your portfolio could underperform. Instead, consider solutions that can help you hedge your exposure to the stock market.

  • 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 Nov 30, 2018
TOP HOLDINGS as of Nov 30, 2018
Name Weight (%)
MICROSOFT CORP 1.64
ALPHABET INC CLASS C 1.52
JOHNSON & JOHNSON 1.42
APPLE INC 1.42
COMCAST CORP CLASS A 1.23
Name Weight (%)
ANTHEM INC 1.09
CVS HEALTH CORP 1.05
CHARTER COMMUNICATIONS INC CLASS A 1.03
AMAZON COM INC 1.02
EXXON MOBIL CORP 1
Name Weight (%)
TREASURY NOTE (OLD) 2.875 10/31/2023 6.21
TREASURY NOTE (2OLD) 2.875 09/30/2023 5.81
TREASURY NOTE 2.75 08/31/2023 3.92
TREASURY NOTE (OLD) 3 10/31/2025 3.14
TREASURY NOTE (OTR) 2.875 11/30/2025 2.14
Name Weight (%)
GERMANY (FEDERAL REPUBLIC OF) RegS 0.5 02/15/2028 0.9
TREASURY (CPI) NOTE 0.625 04/15/2023 0.77
MEXICO (UNITED MEXICAN STATES) (GO 8.5 12/13/2018 0.36
MEXICO (UNITED MEXICAN STATES) (GO 6.5 06/10/2021 0.34
MEXICO (UNITED MEXICAN STATES) 8 12/07/2023 0.33
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 Dec 11, 2018
Name Weight (%)
BLACKROCK CASH CL INST SL AGENCY 4.69
FNMA 30YR 2016 PRODUCTION 1.66
GNMA2 30YR 2017 PRODUCTION 1.23
GNMA2 30YR 2016 PRODUCTION 1.22
FGOLD 30YR 2016 PRODUCTION 1.02
Name Weight (%)
TREASURY NOTE 0.79
GNMA2 30YR 2016 PRODUCTION 0.78
TREASURY NOTE 0.78
FGOLD 30YR TBA(REG A) 0.76
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 Dec 11, 2018
Name Weight (%)
VISA INC CLASS A 1.56
NEWMONT MINING CORP 1.54
PFIZER INC 1.54
COCA-COLA 1.52
JOHNSON & JOHNSON 1.52
Name Weight (%)
WASTE MANAGEMENT INC 1.49
MCDONALDS CORP 1.49
PEPSICO INC 1.44
VERIZON COMMUNICATIONS INC 1.44
REPUBLIC SERVICES INC 1.35
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 Oct 31, 2018
Name Weight (%)
FEDERAL NATIONAL MORTGAGE ASSOCIATION 18.16
GOVERNMENT NATIONAL MORTGAGE ASSOCIATION II 9.41
FEDERAL HOME LOAN MORTGAGE CORPORATION -GOLD 4.5
FEDERAL HOME LOAN MORTGAGE CORPORATION 3.91
GOLDMAN SACHS GROUP INC/THE 1.32
Name Weight (%)
ISHARES JPMORGAN USD EMERGING MARKETS BOND FUND 0.98
UNITED STATES TREASURY 0.96
BANK OF AMERICA CORP 0.89
VERIZON COMMUNICATIONS INC 0.67
MEXICO (UNITED MEXICAN STATES) (GOVERNMENT) 0.58