Absolute Return Balanced Portfolio Retirement Income Strategies
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1 Absolute Return Balanced Portfolio Retirement Income Strategies For Investors Seeking High Current Income and Inflation Protection with Lower Risk to Capital THE EVOLUTION OF INVESTING
2 Do You Need Income? When you retire, your portfolio will need to generate income that keeps pace with inflation. This can be one of the most difficult tasks for an investor and their money manager. Over 20 years ago, WBI developed the Absolute Return (AR) Balanced and Balanced Plus portfolios to help retired investors achieve their goals. We believe the real benchmark for any money manager is to make money for investors in both bull and bear markets. CHARACTERISTICS OF AN EXCELLENT INCOME PORTFOLIO Protected by a portfolio management process which seeks to minimize loss of capital in bear markets. Provides a high level of current income. Provides inflation protection through increasing dividend income streams and growth of capital. WBI S MANAGEMENT PROCESS At WBI, we have been managing balanced portfolios for retired investors since 1992, through good and bad market conditions. While we have refined our management process and proprietary quantitative management system over the years in an attempt to capture higher returns, we have never strayed from our vision of protecting investor capital first and foremost. WBI s management process aims to capture returns during up-market cycles while limiting losses during down-market cycles. We believe this absolute return focus can deliver the income and inflation protection retiring investors need, while having the potential to also safeguard and grow capital. THE SECOND WORST BEAR MARKET IN HISTORY FROM PROVIDES AN EFFECTIVE ANALYSIS PERIOD We feel investors should carefully evaluate money managers on their ability to protect capital, provide income, and grow capital through the worst market conditions. The period since 2000 has become known as the second worst bear market in history, encompassing both bull and bear markets 1. This bear market caused investors to incur serious losses, so it provides a good backdrop against which retired investors can analyze a manager s ability to limit risk and provide positive returns. AVOID LOSSES IN RETIREMENT We feel that protecting capital in retirement is critical to success. If you can avoid losses during bear market declines, you may reduce your need to sell shares to generate income when prices are falling. By limiting liquidations of capital during bear markets, your portfolio may have the ability to generate income more reliably throughout the duration of your retirement. THE EVOLUTION OF INVESTING
3 WBI's AR Balanced Portfolio The portfolio targets a balanced blend of 50% bonds and 50% high-yield dividend-paying stocks when fully invested. The portfolio is intended to be a conservative core allocation positioned for long-term growth of capital. The portfolio can also be used as a conservative retirement income strategy designed to generate high current income and growth of capital to keep pace with inflation. Income Withdrawal Illustration Invested in WBI AR Balanced Portfolio 4% Retirement Income Adjusted Annually for Increases in CPI $1,500,000 $1,335,837 $500,000 $665,579 Initial Investment Retirement Income Portfolio Value DATA PROVIDED BY WBI INVESTMENTS, NET OF FEE, INVESTMENT SUMMARY Initial Investment Withdrawals $665,579 Net Investment $334,421 Portfolio Value $1,335,837 WBI AR Balanced Portfolio vs. Indexes 4% Income Withdrawals Adjusted Annually for Increases in CPI $1,600,000 WBI AR Balanced 50/50 Blended TR S&P 500 TR NASDAQ $1,400,000 $1,200,000 $800,000 $600,000 $400,000 $200,000 12/1/1999 6/1/ /1/2000 6/1/ /1/2001 6/1/ /1/2002 6/1/ /1/2003 6/1/ /1/2004 6/1/ /1/2005 6/1/ /1/2006 6/1/ /1/2007 6/1/ /1/2008 6/1/ /1/2009 6/1/ /1/2010 6/1/ /1/2011 6/1/ /1/2012 6/1/ /1/2013 DATA PROVIDED BY WBI INVESTMENTS, NET OF FEE, /50 BLENDED INDEX CONSTITUTED OF: 50% STANDARD AND POOR S 500 TOTAL RETURN INDEX (S&P 500) AND 50% BARCLAYS CAPITAL GOVERNMENT/CREDIT INDEX (BCGC).
4 WBI's AR Balanced Plus Portfolio The portfolio targets a balanced blend of 50% bonds, some high-yielding, and 50% high-yield dividend-paying stocks when fully invested. The portfolio is intended to be a moderate core allocation positioned for long-term growth of capital. The portfolio can also be used as a retirement income strategy of moderate risk designed to generate high current income and growth of capital to keep pace with inflation. Income Withdrawal Illustration Invested in WBI AR Balanced Plus Portfolio 5% Retirement Income Adjusted Annually for Increases in CPI $1,500,000 $831,973 $1,133,885 $500,000 Initial Investment Retirement Income Portfolio Value DATA PROVIDED BY WBI INVESTMENTS, NET OF FEE, INVESTMENT SUMMARY Initial Investment Withdrawals $831,973 Net Investment $168,027 Portfolio Value $1,133,885 WBI AR Balanced Plus Portfolio vs. Indexes 5% Income Withdrawals Adjusted Annually for Increases in CPI $1,600,000 WBI AR Balanced Plus 50/50 Blended TR S&P 500 TR NASDAQ $1,400,000 $1,200,000 $800,000 $600,000 $400,000 $200,000 12/1/1999 6/1/ /1/2000 6/1/ /1/2001 6/1/ /1/2002 6/1/ /1/2003 6/1/ /1/2004 6/1/ /1/2005 6/1/ /1/2006 6/1/ /1/2007 6/1/ /1/2008 6/1/ /1/2009 6/1/ /1/2010 6/1/ /1/2011 6/1/ /1/2012 6/1/ /1/2013 DATA PROVIDED BY WBI INVESTMENTS, NET OF FEE, /50 BLENDED INDEX CONSTITUTED OF: 50% STANDARD AND POOR S 500 TOTAL RETURN INDEX (S&P 500) AND 50% BARCLAYS CAPITAL GOVERNMENT/CREDIT INDEX (BCGC).
5 Important Information Past performance does not guarantee future results. All economic and performance information is historical and not indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly in this document, will be profitable, equal any corresponding indicated historical performance level(s), or be suitable for your portfolio. Any investment strategy involves risk, including the possible loss of principal invested. Moreover, you should not assume that any discussion or information provided here serves as the receipt of, or as a substitute for, personalized investment advice from WBI Investments or from any other investment professional. To the extent that you have any questions regarding the applicability of any specific issue discussed to your individual situation, you are encouraged to consult with WBI Investments or the professional advisor of your choosing. Although a company may pay a dividend, prices of equity securities including those that pay dividends fluctuate. Investing on the basis of dividends alone may cause an investor to buy or sell certain securities when circumstances may or may not be favorable. All information, including that used to compile charts, is obtained from sources believed to be reliable, but WBI Investments does not guarantee its reliability. Investment decisions should not be based solely on the information contained herein including information contained within charts and other graphs detailed herein. Information pertaining to WBI s advisory operations, services, and fees is set forth in WBI s current disclosure statement, as same is on file with the United States Securities and Exchange Commission, a copy of which is available from WBI upon request. The S&P 500 Index includes a representative sample of large-cap U.S. companies in leading industries. The S&P 500 Total Return Index (S&P 500 TR) includes the effect of dividends on performance. The NASDAQ Composite Index (NASDAQ) is a market-value weighted index of all common stocks listed on NASDAQ. The US Government/Credit Index (BCGC) is the non-securitized component of the US Aggregate Index and was the first macro index launched by Barclays Capital. The US Government/Credit Index includes Treasuries (i.e., public obligations of the US Treasury that have remaining maturities of more than one year), government-related issues (i.e., agency, sovereign, supranational, and local authority debt), and corporates. The US Government/Credit Index was launched on January 1, 1979, with index history backfilled to 1973, and is a subset of the US Aggregate Index. You cannot invest directly in an index. 1 Chapman, David. This Bull Market is Long in the Tooth. Web. 7 Feb
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