Investing for your present and future financial

Transcription

1 Advisor Select

2 Investing for your present and future financial needs can seem overwhelming. It shouldn t be, and it doesn t have to be. Implementing a well-conceived investment strategy is vital to helping you reach your personal financial objectives and your Wealth Management Services (WMS) financial advisor can help you get there.

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4 T R U LY P E R S O N A L I Z E D strategy

5 Your investment needs and financial objectives can vary over time. You may be planning for retirement or thinking about passing wealth on to the next generation. Your financial life changes as you travel the journey of your real life, and you need a strategic solution that is dynamic and adaptable to your needs. At the end of the day, you need a solid relationship with a financial advisor whom you can believe in. A financial advisor who is committed to your success will have access to the tools that can help you develop your personalized investment strategy so you can focus on life s other endeavors. WMS is a robust wealth management platform providing you with a streamlined approach to investing. With its personalized support and professional asset management, WMS makes it simple for you and your financial advisor to build, execute and manage a truly personalized strategy all for one asset-based fee. This means that WMS takes the work out of your hands so that you can focus on what s more important to you in your life. WMS is an intelligent approach to investing personalized for each individual investor. Personalized for you.

6 Fee-Based Approach Fee-based asset management allows you and your financial advisor to share a common goal to grow the value of your assets. Instead of commissions based solely on transactions, you have the option of paying an annual fee that includes advisory services and execution of transactions, or paying an annual advisory fee plus a transaction fee for each transaction separately.* An integral piece of the process is developing a personalized strategy with your financial advisor that you feel comfortable with. You will build a blueprint through one-on-one, in-depth, thoughtful conversations, supplemented with tools such as risk tolerance questionnaires, discussions of your financial objectives, and an extensive review of those objectives. This blueprint will serve as a guide to assist you in creating your recommended portfolio in order to help you reach your objectives. In addition, you can trust that the appropriate adjustments to your strategy and portfolio will be made based on your discussions with your financial advisor about your: n Investment time horizon n Risk Tolerance Questionnaire n Recommended asset allocation strategies n Investment Proposal including Investment Policy Statement The Case for Diversification ** Diversification involves incorporating different investment styles such as large-cap growth, small-cap growth, international securities and even exposure to bonds into your portfolio. The goal of diversification is to mitigate the risk associated with holding a single type of security in your portfolio. Diversification adds balance to your portfolio, since investment styles act differently depending on market conditions. Each Year Has Its Best Performers % 32.9% 8.1% 38.3% 23.1% 35.2% 38.7% 51.3% 22.8% 21.7% 23.8% 4.3% 37.6% 23.0% 34.3% 28.6% 43.1% 19.2% 13.6% 18.1% 2.6% 37.2% 21.6% 33.4% 20.3% 33.2% 11.6% 8.7% 15.6% 1.3% 34.9% 21.4% 31.8% 17.9% 27.3% 7.0% 7.8% 13.4% -1.5% 34.0% 20.3% 30.5% 15.6% 21.0% 6.2% 7.7% 11.2% -2.0% 31.0% 17.5% 22.5% 8.7% 7.4% -9.1% 7.4% 10.1% -2.1% 25.7% 11.3% 12.9% 5.3% 4.9% -11.7% 5.0% 9.8% -2.2% 18.5% 6.4% 9.7% 5.1% -0.1% -14.0% 2.9% 3.2% -2.4% 11.6% 5.4% 5.5% 1.2% -0.8% -22.4% % 2.87% -2.92% 6.09% 3.61% 2.06% -6.43% -1.49% % Sources: Standard & Poor s, Russell Investment Group, Morgan Stanley Capital, Barclays Capital. Large-cap growth and value stocks represented by the Russell 1000 growth and value indices. Midcap growth and value stocks represented by the Russell midcap growth and value indices. Small-cap growth and value stocks represented by the Russell 2000 growth and value indices. stocks represented by the MSCI EAFE index. Fixed income represented by the Barclays U.S. aggregate bond index. represented by the Barclays 3-month Treasury bill index. Note that prior to November 2008, the Barclays indices were compiled by Lehman Brothers. Past performance does not guarantee future results. It is not possible to invest directly in an index.

7 i n f o r m e d o n y o u r investments Simplicity One account, one fee, one statement. WMS makes it easy for you to review your account as you will receive a quarterly performance report that will keep you informed on how your investments are performing. You ll also meet with your financial advisor who will help you stay on track. It s a partnership and a strategic solution personalized to your needs % 10.3% 48.5% 23.7% 14.0% 26.9% 11.8% 5.2% 46.3% 8.4% 1.8% 46.0% 22.3% 12.6% 23.5% 11.6% 2.2% 37.2% 4.4% -9.7% 42.7% 20.7% 12.1% 22.2% 11.4% -28.9% 34.5% 2.3 % -11.4% 39.2% 16.5% 7.0% 20.2% 7.0% -36.9% 34.2% -5.6% -15.5% 38.1% 15.5% 5.3% 15.8% 7.0% -37.0% 32.5% -9.2% -15.7% 30.0% 14.3% 4.9% 13.4% 5.5% -38.4% 26.4% -11.9% -22.1% 29.8% 10.9% 4.7% 10.6% 5.1% -38.4% 20.5% -20.2% -27.4% 28.7% 6.3% 4.1% 9.1% -0.2% -38.5% 19.7% -20.4% -27.9% 4.1% 4.3% 3.1% 4.9% -1.4% -43.1% 5.9% % % 1.15% 1.29% 2.43% 4.33% -9.77% % 0.21% *Please refer to the WMS disclosure booklet for a full description of programs and fees. **While diversification through an asset allocation strategy is a useful technique that can help to manage overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall portfolio return or outperform a portfolio that is not diversified. Diversification cannot eliminate the risk of investment losses, and past performance is not a guarantee of future results.

8 Introducing WMS Advisor Select WMS Advisor Select wraps various investment vehicles, client oriented services and an asset management fee into a single investment account. Working with your financial advisor, you ll have access to a wide variety of investment options including exchange and NASDAQ equities, fixed income, mutual funds, Exchange Traded Funds (ETFs), American Depositary Receipts (ADRs), Real Estate Investment Trusts (REITs) and Unit Investment Trusts (UITs). Access to this wide variety of products gives you a great deal of flexibility and allows you to customize your portfolio according to your risk tolerance. This will enable you and your advisor to build, review and adjust your Advisor Select account, all for one asset management fee*. Facts at a Glance n A wide variety of product options n Access to five risk-based investment portfolios n Flexibility in customizing investment portfolios and selecting a program fee structure n Personalized, professional advice n Comprehensive quarterly reports n If applicable, availability to impose and modify reasonable investment restrictions on the management of your account * A platform fee between 7-35 bps will apply. The platform fee does not include the advisor fee. Please refer to the WMS Disclosure Booklet for a full description of fees.

9 t The Investment Process Understanding your personal objectives t Working with you to build, review and adjust your portfolio as necessary t t Determining your risk tolerance Implementing your investment strategy t Defining your asset allocation strategy b u i l d, i m p l e m e n t a n d manage

10 WMS is an intelligent approach to investing...personalized for each individual investor...personalized for you

11 Prospective investors should carefully review the investment vehicle s or its issuer s prospectus, statement of additional information, annual report, product description, and/or any other available information for fees, expenses, risks and/or other important disclosures prior to making any investment decisions. See the Wealth Management Services Disclosure booklet for, among other documents, MetLife Securities, Inc. s (MSI) Disclosure Brochure and the Advisor Select program investment management agreement ( Agreement ) for additional information. Client s participation in the Advisor Select program is subject to acceptance by MSI, and the management of the client s program account is governed by the terms and conditions of the Agreement. Wealth Management Services ( WMS ) is an advisory platform that offers various, discrete advisory programs and services. Please consult with your Financial Advisor to determine which WMS program may be appropriate for you. Not all Financial Advisors are licensed to offer all programs that make up WMS. Please check with your WMS Financial Advisor regarding the WMS program(s) that they offer. Securities and Investment advisory services offered through MetLife Securities, Inc. (member FINRA, SIPC), a Registered Investment Adviser, 1095 Avenue of the Americas, New York, NY The information presented in this brochure is for informational purposes only and is not a solicitation or a recommendation to invest in WMS or to buy or sell any particular securities. Not all investment products or programs are appropriate for all investors.

12 MetLife Securities, Inc. a Registered Investment Adviser 1095 Avenue of the Americas, New York, NY WMS AS MSI L [exp0711][All States][DC]