DB CoreTrac Models


Aggressive - Growth - Balanced - Conservative


DBFolios aims to deliver an automated investment management service that maximizes the net-of-fee, after-tax, real investment return for each client’s particular tolerance for risk.

We invest with an equity orientation to maximize long-term returns. Each of our selected asset classes is represented by a low cost, passive ETF.

Asset Classes

Asset classes fall under three broad categories: stocks, bonds and inflation assets. Stocks, despite their high volatility, give investors exposure to economic growth and offer the opportunity for long-term capital gains. Stocks provide effective long-run inflation protection and are relatively tax efficient due to the favorable tax treatment on long-term capital gains and stock dividends (relative to the way ordinary income is taxed). Bonds and bond-like securities are the most important income-producing asset classes for income-seeking investors. Although bonds have lower return expectations, they provide a cushion for stock-heavy portfolios during economic turbulence due to their low volatility and low correlation with stocks. Most bonds are tax inefficient because bond interest income is taxed at ordinary income tax rates, except tax-exempt Municipal Bonds. Assets that protect investors from inflation in both moderate and high inflation environments include Treasury Inflation-Protected Securities (TIPS), Real Estate and Natural Resources.

PROFESSIONAL MANAGEMENT AND OVERSIGHT

To ensure appropriate allocation, the Adviser will review with you the Asset Allocation strategy and scales the asset classes up or down based on the well-researched market views, your risk profile and financial goals. There is no guarantee the DB CoreTrac will achieve its investment objectives.