.png)
Balanced Investment Strategy
Growth and Income. Working Together.
For many investors, the right strategy is not exclusively equity or fixed income.
A balanced approach combines both to create a portfolio designed around the client’s need for long-term growth, income, diversification and an appropriate level of risk.
At Brick & Kyle, the balance between these investments is determined by the individual — not by a predetermined model.
Finding the Right Mix
One Portfolio. Multiple Objectives.
A balanced investment strategy is designed to bring different investment objectives together within one portfolio.
For many clients, the goal is not simply to pursue growth or generate income in isolation. It is to create an appropriate combination of both, while also considering diversification, risk tolerance, time horizon and changing financial needs.
By combining equities and fixed income, Brick & Kyle can build a portfolio that seeks to participate in long-term growth opportunities while also incorporating investments that may provide income and greater stability.
The appropriate balance is different for every client and should reflect what that individual needs their portfolio to accomplish.
Growth
Equities can provide exposure to long-term growth opportunities.
.png)
Income
Fixed income and dividend-paying investments may help support current or future income needs.
.png)
Diversification
Combining different types of investments can help reduce dependence on any single asset class.
.png)
Risk Management
The relationship between equity and fixed income can be adjusted to better reflect the client’s tolerance for market fluctuations and overall financial circumstances.
Your Balance Should Reflect Your Life
There Is No Universal Allocation.
The appropriate combination of equity and fixed income depends on the individual client.
A client several years from retirement may require a different balance from someone already drawing income from their portfolio.
As circumstances change, the allocation can change with them. Brick & Kyle considers factors including:
.png)
Age and stage of life
.png)
Investment objectives
.png)
Risk tolerance
.png)
Time horizon
.png)
Retirement timing
.png)
Income requirements
Expected withdrawals
Other financial resources
Preparing for the Transition
Growth Still Matters. Income Matters More.
As retirement approaches, many investors begin shifting from a primary focus on accumulation toward a need for greater income and stability.
A balanced strategy can help address both sides of that transition.
Equities may continue to provide long-term growth potential, while fixed income can help support income needs and add balance to the portfolio.
The goal is not simply to become more conservative with age.
It is to determine the mix of investments that best reflects the client’s goals, circumstances and retirement plan.
Equity and Fixed Income Working Together
The Right Strategy Depends on What You Need.
Brick & Kyle individually customizes client portfolios.
Age, risk tolerance, expected retirement timing and future income needs can all influence how a portfolio is constructed.
A client preparing for retirement may require a different investment approach from someone who is still accumulating assets.
Likewise, a retired client relying on portfolio income may have different priorities from someone investing primarily for long-term growth.
Our investment process is designed to account for those differences.
.png)
.png)
Your Portfolio Should Evolve With You
Balance Is Not Set Once and Forgotten.
-
Investment needs change over time.
-
Retirement moves closer.
-
Income requirements evolve.
-
Risk tolerance may change.
-
Markets change.
Brick & Kyle monitors client portfolios and can adjust the relationship between equity and fixed income as the client’s circumstances and objectives evolve.
The goal is to maintain a portfolio that continues to reflect what the client needs from their investments.
Finding Your Balance
Build an Investment Strategy Around Your Goals.
The appropriate balance between growth, income and risk is different for every investor.
Brick & Kyle welcomes the opportunity to understand your goals and discuss how a balanced investment strategy may fit within your broader financial plan.