Model portfolios
Three risk profiles. Real frameworks.
These illustrative portfolios reflect how we typically structure mandates for clients with different risk profiles. Not sure where you fit? Take the quick assessment below.
Risk profile assessment
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Your profile
- Score
- Suggested horizon
- Primary objective
This assessment is for illustrative purposes only and is not investment advice. A complete suitability analysis requires a detailed review of your full financial situation during onboarding.
Portfolio profile
Conservative
Designed for clients prioritizing predictability and income over growth. The portfolio is built mainly from investment-grade corporate bonds, laddered across 2–10 year maturities for a steady stream of interest income, with a 15% sleeve of quality large-cap equities for long-term growth.
- Equity exposure
- ~15%
- Credit quality
- BBB / A
- Horizon
- 3–10 yrs
- Objective
- Income & preservation
Asset allocation
- Investment-grade corporate bonds71%
- Quality large-cap equities15%
- Short-term bonds (under 1 yr)8%
- Cash & money market4%
- International IG bonds2%
Types of exposure
- Large U.S. money-center banksSenior unsecured notes · 3–7 yr
- Global asset managersSenior unsecured notes · 3–10 yr
- Investment-grade telecom & mediaSenior unsecured notes · 5–10 yr
- Aerospace & defense primesSenior unsecured notes · 7–10 yr
- Regulated utilitiesSenior unsecured notes · 5–10 yr
- Large-cap consumer & technologySenior unsecured notes · 5–10 yr
- Pipeline & midstream energySenior unsecured notes · 5–7 yr
- Quality large-cap & dividend equitiesEquity sleeve for long-term growth
Sector breakdown
Construction notes
A laddered bond portfolio across 2–10 year maturities, weighted toward investment-grade U.S. corporates with selective international exposure, plus a 15% sleeve of quality large-cap equities. Sector and issuer concentration limits apply. Designed for predictable income with limited price sensitivity to interest-rate moves.
Portfolio profile
Moderate
Designed to generate steady income while participating in long-term growth. The portfolio combines a corporate bond sleeve with broad U.S. equity exposure through index instruments and quality single-name positions.
- Equity exposure
- ~60%
- Credit quality
- BB / A
- Horizon
- 5–10 yrs
- Objective
- Balanced
Asset allocation
- Broad U.S. equity index exposure45%
- Corporate bonds (IG & HY)37%
- Quality single-name equities15%
- Cash & money market3%
Types of exposure
- Broad U.S. large-cap index fundCore equity exposure
- Technology & growth index fundSector tilt for growth
- Diversified financial holding companiesQuality compounder equity
- Alternative asset sleeveSmall allocation for diversification
- High-yield aerospace & defense bondsSenior unsecured · 6–8% coupons
- Energy & refining sector bondsSenior unsecured · 5–6% coupons
- Midstream pipeline bondsSenior unsecured · 5% coupons
- Floating-rate financial sector bondsShort-dated · rate-sensitive
Sector breakdown
Construction notes
An income-and-growth structure built around broad market index instruments for diversified U.S. equity exposure, complemented by a corporate bond sleeve, including high yield, for income and quality single names for long-term compounding. Position sizing balances income, growth potential and volatility tolerance.
Portfolio profile
Aggressive
Designed for clients with a long time horizon and tolerance for short-term volatility. The portfolio is equity-weighted (about 85%), with meaningful allocations to high-conviction growth names, emerging technologies and thematic exposures, and a 15% corporate bond sleeve.
- Equity exposure
- ~85%
- Credit quality
- BBB / A (bonds)
- Horizon
- 10+ yrs
- Objective
- Long-term growth
Asset allocation
- Growth & high-conviction equities50%
- Thematic equity exposures21%
- Corporate bonds15%
- Small-cap & emerging names12%
- Cash & tactical reserve2%
Types of exposure
- Space & commercial aerospaceSmall/mid-cap launch & satellite
- Photonics & advanced semiconductorsEmerging technology equity
- Lunar & space economySpeculative thematic exposure
- Strategic minerals & rare earthsCritical materials supply chain
- Corporate bond sleeveIncome and diversification · 3–10 yr
- Autonomous & AI-enabling technologyEmerging technology equity
- Broad market index overlayStability counterweight
- Tactical cash reserveLiquidity for opportunistic additions
Sector breakdown
Construction notes
A concentrated growth portfolio built around high-conviction names in space, advanced materials, semiconductors and emerging technology, with broad-market index instruments as a stability overlay and a 15% corporate bond sleeve for income and diversification. Position sizing reflects conviction. This portfolio targets long-term capital appreciation and may experience significant drawdowns; it is not suitable for capital with income needs or near-term liquidity requirements.
Important disclosures. The model portfolios shown are illustrative frameworks that depict the type of allocations FOREM may build for clients with similar profiles. They are not actual client accounts, do not represent past or future performance, and do not guarantee any allocation, income or outcome. Categories are descriptive and are not recommendations to buy or sell any security. Individual portfolios differ based on objectives, constraints, account size, tax situation and other factors reviewed during onboarding. All investing involves risk, including possible loss of principal. See our Form ADV for full disclosures.
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