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Reduce 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 Jan 31, 2020
TOP HOLDINGS as of Dec 31, 2019
Name Weight (%)
MICROSOFT CORP 1.78
ALPHABET INC CLASS C 1.68
AMAZON COM INC 1.58
APPLE INC 1.58
COMCAST CORP CLASS A 1.02
Name Weight (%)
BANK OF AMERICA CORP 0.8
UNITEDHEALTH GROUP INC 0.78
RAYTHEON 0.78
JPMORGAN CHASE & CO 0.77
SIEMENS N AG 0.76
Name Weight (%)
TREASURY (CPI) NOTE 0.5 04/15/2024 4.3
UMBS 30YR TBA(REG A) 3.23
TREASURY NOTE 1.75 11/15/2029 1.8
CHINA PEOPLES REPUBLIC OF (GOVERNM 3.29 05/23/2029 1.74
TREASURY NOTE 1.625 10/31/2026 1.63
Name Weight (%)
CANADA (GOVERNMENT OF) 1.5 09/01/2024 1.23
ITALY (REPUBLIC OF) 3 08/01/2029 0.84
SPAIN (KINGDOM OF) 0.6 10/31/2029 0.71
TREASURY (CPI) NOTE 0.125 10/15/2024 0.55
TREASURY NOTE 2.375 05/15/2029 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 Feb 20, 2020
Name Weight (%)
BLACKROCK CASH CL INST SL AGENCY 5.58
UMBS 30YR TBA(REG A) 1.04
FNMA 30YR 2016 PRODUCTION 1.01
UMBS 30YR TBA(REG A) 0.9
GNMA2 30YR 2017 PRODUCTION 0.86
Name Weight (%)
GNMA2 30YR 2017 PRODUCTION 0.72
FGOLD 30YR 2016 PRODUCTION 0.71
TREASURY NOTE 0.65
GNMA2 30YR 2016 PRODUCTION 0.65
TREASURY NOTE 0.64
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 Feb 20, 2020
Name Weight (%)
NEWMONT 1.76
VISA INC CLASS A 1.62
NEXTERA ENERGY INC 1.58
COCA-COLA 1.56
MCDONALDS CORP 1.53
Name Weight (%)
REPUBLIC SERVICES INC 1.51
PEPSICO INC 1.5
WASTE MANAGEMENT INC 1.49
VERIZON COMMUNICATIONS INC 1.35
YUM BRANDS INC 1.28
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 Jan 31, 2020
Name Weight (%)
UNIFORM MBS 25.58
UNITED STATES TREASURY 14.49
GOVERNMENT NATIONAL MORTGAGE ASSOCIATION II 8.32
FEDERAL NATIONAL MORTGAGE ASSOCIATION 7.7
FEDERAL HOME LOAN MORTGAGE CORPORATION 2.04
Name Weight (%)
JPMORGAN CHASE & CO 1.36
BANK OF AMERICA CORP 1.3
WELLS FARGO & COMPANY 0.68
CHINA PEOPLES REPUBLIC OF (GOVERNMENT) 0.62
FEDERAL HOME LOAN MORTGAGE CORPORATION -GOLD 0.61