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 Feb 28, 2019
TOP HOLDINGS as of Feb 28, 2019
Name Weight (%)
ALPHABET INC CLASS C 1.5
JOHNSON & JOHNSON 1.17
COMCAST CORP CLASS A 1.11
APPLE INC 1.1
EXXON MOBIL CORP 1.07
Name Weight (%)
UBER TECHNOLOGIES, INC. 1.01
MICROSOFT CORP 0.96
ANTHEM INC 0.95
WILLIAMS INC 0.9
AMAZON COM INC 0.87
Name Weight (%)
TREASURY NOTE (OLD) 2.5 01/31/2024 6.74
TREASURY NOTE 2.875 09/30/2023 6.18
TREASURY NOTE (OLD) 2.625 01/31/2026 3.17
TREASURY NOTE (2OLD) 2.625 12/31/2023 2.45
TREASURY NOTE 3 10/31/2025 1.66
Name Weight (%)
TREASURY NOTE (OTR) 2.375 02/29/2024 1.61
TREASURY (CPI) NOTE 0.625 04/15/2023 1.25
TREASURY NOTE 2.75 08/31/2023 1.24
GERMANY (FEDERAL REPUBLIC OF) RegS 0.5 02/15/2028 0.87
TREASURY NOTE 2.875 11/30/2025 0.53
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 Mar 21, 2019
Name Weight (%)
BLACKROCK CASH CL INST SL AGENCY 4.62
FNMA 30YR 2016 PRODUCTION 1.52
GNMA2 30YR 2017 PRODUCTION 0.98
FGOLD 30YR 2016 PRODUCTION 0.97
GNMA2 30YR 2016 PRODUCTION 0.88
Name Weight (%)
GNMA2 30YR TBA(REG C) 0.77
TREASURY NOTE 0.74
GNMA2 30YR 2016 PRODUCTION 0.7
TREASURY NOTE 0.69
FNMA 30YR 4% LTV > 90 2017 0.68
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 Mar 21, 2019
Name Weight (%)
VISA INC CLASS A 1.68
WASTE MANAGEMENT INC 1.57
NEWMONT MINING CORP 1.5
MCDONALDS CORP 1.43
PFIZER INC 1.4
Name Weight (%)
FISERV INC 1.4
PEPSICO INC 1.39
REPUBLIC SERVICES INC 1.37
JOHNSON & JOHNSON 1.36
VERIZON COMMUNICATIONS 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 HOLDINGS as of Feb 28, 2019
Name Weight (%)
FEDERAL NATIONAL MORTGAGE ASSOCIATION 11.73
GOVERNMENT NATIONAL MORTGAGE ASSOCIATION II 7.98
FEDERAL HOME LOAN MORTGAGE CORPORATION -GOLD 4.55
FEDERAL HOME LOAN MORTGAGE CORPORATION 4.22
BANK OF AMERICA CORP 1.22
Name Weight (%)
MEXICO (UNITED MEXICAN STATES) (GOVERNMENT) 0.9
JPMORGAN CHASE & CO 0.89
VERIZON COMMUNICATIONS INC 0.68
MORGAN STANLEY 0.63
GENERAL MOTORS FINANCIAL CO INC 0.59