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At age 60–69, consider a moderate portfolio (60% stock, 35% bonds, 5% cash/cash investments); 70–79, moderately conservative (40% stock, 50% bonds, 10% cash/cash investments); 80 and above, conservative (20% stock, 50% bonds, 30% cash/cash investments).

Ocean Park Asset Management charges 2.40%, per year, split 50/50 between the Investment Advisor and Ocean Park. Fees are debited quarterly in advance from the account(s) specified by the client, and apply to all account holdings including money market and interest-bearing account allocations.

The Conservative Allocation Portfolio primarily looks to preserve capital through a conservative asset allocation. It contains larger allocations to diversified fixed income and cash, but also contains exposure to both domestic and international stock funds for some upside potential.

The Ocean Park Conservative Allocation Strategy has two investment objectives: to provide long-term total return and to limit volatility and downside risk.

The Ocean Park Strategic Income strategy seeks to generate income, while limiting drawdowns and maintaining prospects for capital appreciation, an approach that has recently been called absolute return.

For years, a commonly cited rule of thumb has helped simplify asset allocation. ing to this principle, individuals should hold a percentage of stocks equal to 100 minus their age. So, for a typical 60-year-old, 40% of the portfolio should be equities.

The Ocean Park Tactical Bond Strategy seeks to produce satisfying long-term returns while limiting downside risk. It uses a tactical approach to move between three uncorrelated asset classes: High Yield Corporate Bonds (HYCB), U.S. Treasuries, or Cash.