Blue Water Portfolios

Blue Water portfolios are designed to be globally diversified, low-cost, and tax-efficient. We have Target Portfolios that range from 25% stock to 100% stock. The needs of most clients are usually met with one of these portfolios. However, if your investment portfolio requires extra customization (due to constraints), or you prefer more or less of an asset class (some people choose to exclude Alternatives because they are unfamiliar with them), we will customize one of our Target Portfolios for you.

Here is an example of our Target "70" Portfolio in both Advanced and Core forms. During our investment process, we will discuss which approach would work better for your situation.


Advanced Portfolio
Individual asset class funds
Portfolio Expense Ratio: 0.36%
Number of Holdings: 15,000+
Stocks70%
 
US Large Blend14%
 
US Large Value14%
 
US Small Blend7%
 
US Small Value7%
 
Global Real Estate6.5%
 
International Large Value8%
 
International Small Blend3.5%
 
International Small Value3.5%
 
Emerging Markets Core6.55%
Bonds20%
 
US Short Term Bond4.75%
 
US Intermediate Term Bond4.75%
 
Global Bonds4.75%
 
TIPs4.75%
 
Cash & Equivalents1%
Alternatives10%
 
Commodities - Broad4%
 
Gold3%
 
Market Hedge3%
Core Portfolio
Total market funds
Portfolio Expense Ratio: 0.33%
Number of Holdings: 15,000+
Stocks70%
 
US Core Equity42%
     
     
     
 
Global Real Estate6.5%
 
International Core Equity15%
     
     
 
Emerging Markets Core6.5%
Bonds20%
 
US Core Bonds14.25%
     
     
 
TIPs4.75%
 
Cash & Equivalents1%
Alternatives10%
 
Commodities - Broad10%

Advanced Portfolios are usually preferred for larger or more complicated investment portfolios because of their ability to be customized to a greater degree than the Core Portfolios. This is due to the use of separate funds being used for individual asset classes.

Core Portfolios are usually preferred for smaller or less complicated investment portfolios because they have a tendency to have lower expense ratios, lower transaction fees (due to fewer funds, and funds containing multiple asset classes), and are easier to keep balanced.

Both portfolios are extremely diversified and low cost.  It's just a matter of which approach works better for your situation.