Most investor’s retirement or investment portfolios have a preset allocation between equities and bonds: 80% equities/20% bonds, 60% equities/40% bonds, etc. STIR suggests an alternative to traditional allocation that is more dynamic and could offer additional diversification benefits, the potential of higher returns with less risk.

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The risk managed LVRD Index of ETFs with rising dividends is a bridge between equities and bonds. The Index has many of the advantages of equities (long term capital appreciation) and provides the potential of a steadily rising income flow (better than a fixed flow from bonds).

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The following charts and tables are provided to inform and compare the performance of the LVRD Index versus equities or bonds.