Freedom Account: flexibility to meet your investment goals
Because your lifestyle and financial needs are unique, Freedom portfolios encompass a wide range of investment strategies. From capital protection to asset growth, your advisor will help determine which model is right for you based on your personal goals and risk tolerance. Seeking income in your retirement years? We have a Solution for that, too. Together, we'll help you build a diversified portfolio of carefully selected managers designed to help you accomplish your financial goals.
Further information on the funds selected for the Freedom Portfolios is available by prospectus, which can be obtained through our financial advisors. Investors should carefully consider the investment objectives, risks, charges and expenses of the Freedom Portfolios before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. Investing involves risk and investors may incur a profit or a loss.
* Diversification does not ensure a profit or protect against a loss.
The Freedom Four-Step Investment Process
Four Steps. Your Solution. Developing a sophisticated investment solution requires more than a review of historical patterns. Freedom applies forward-looking assumptions in the construction of its models, placing a premium on those factors that are most likely to add value to your portfolio.
Step 1: Capital Market Assumptions Freedom employs forward-looking risk, return and correlation assumptions based on economic data and indicators. These tools move beyond analyzing historical data and help avoid trend-chasing behaviors.
Step 2: Asset Allocations Whether you are taking an aggressive or conservative approach to investing, Freedom’s advanced optimization process is designed to find an asset allocation intended to maximize return potential at various risk levels. The resulting portfolio strategies provide you with options for reducing the overall volatility of your portfolio while remaining in alignment with your overall goals.
Step 3: Manager Selection and Portfolio Construction Freedom treats portfolio construction as a distinct step in the process. Asset allocations are filled with portfolio managers who are selected based on our confidence that they can consistently add value to a Freedom portfolio.
Step 4: Continual Monitoring Proactive performance reviews are essential to maximizing the flexibility of Freedom. All managers are constantly monitored to determine whether organizational adjustments or investment process changes may impact performance. Capital market assumptions are continuously monitored and updated to maintain optimal asset allocations.
* All investing involves risk and you may occur a profit or a loss.
Freedom Mutual Funds
The Raymond James Freedom Account Choosing your portfolio strategy has never been easier. Our comprehensive, four-step process helps match your unique goals and risk tolerance with an asset allocation model that’s right for you. You’ll enjoy clear, informative statements, annual rebalancing to keep your investments in line with your goals and advice from a financial advisor who has a vested interest in the success of your portfolio.
* All investments are subject to risk. There is no assurance that any investment strategy will be successful. In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading activity.
Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically reevaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. These additional considerations, as well as the Freedom fee schedule, are listed more fully in the Client Agreement and the Raymond James & Associate's Schedule H Brochure, which can be obtained through your financial advisor.
Mutual Fund Portfolio Models
Mutual Fund Portfolio Models Your Freedom Account includes one of seven investment approaches ranging from conservative to aggressive growth. Based on your goals and personal tolerance for risk, your advisor will help you select the model that’s right for you.
High Income Strategy (20% Equity / 70% Fixed Income / 10% Alternative Investments)
Create a Lifetime Income Stream Living longer should be a goal, not a risk factor in your retirement plan. The Freedom Retirement Income Solution recognizes and addresses your concerns about outliving your wealth. By moderately increasing the portfolio’s equity exposure, the program seeks to balance market risk – the volatility in the value of your investments – with longevity risk, the chance of depleting your assets.
Enjoy all of the benefits of Freedom, including annual rebalancing, constant monitoring of managers and updated forward-looking assumptions, with added focus on ensuring you have the income you need in retirement.
A 65 year-old man has a 50% chance of living beyond age 85.
A 65 year-old woman has a 50% chance of living beyond age 88.
And a couple, both aged 65, has a 50% chance that one of them will live to age 92, and a 25% chance that one will live to age 97.
Source: Metlife, The Metlife Retirement Income Study: The Silent Generation Speaks, June 2006
Retirement Portfolio Models
Freedom Retirement Income Solution Portfolio Models Your Freedom Retirement Income Solution account includes one of three investment portfolios designed to address both market risk and longevity risk. Based on your goals and personal tolerance for risk, your advisor will help you select the model that's right for you.
Early Retirement (61% Equity / 29% Fixed Income / 10% Alternative Investments)
Mid-Retirement Model (50% Equity / 40% Fixed Income / 10% Alternative Investments)
Senior Retirement (33% Equity / 60% Fixed Income / 7% Alternative Investments)
Freedom UMA Account
Effective investment planning cannot be left to chance. It requires research, consultation, planning, execution and constant monitoring. When financial conditions change, you should have confidence that your investments are supported by an institutional-quality process designed to constantly evaluate and balance risk and return, and a financial advisor who has a vested interest in your portfolio’s success.
If this is the level of quality that you demand, then the Freedom Unified Managed Account (UMA) account may be right for you.
UMAs are not suitable for all investors. It is important to review the investment objectives, risk tolerance, tax objectives and liquidity needs before choosing an investment style or manager.
* You should discuss any tax matters with the appropriate tax professional.
*Further information on the funds selected for the Freedom UMA portfolios is available by prospectuses, which can be obtained through your financial advisor. Investors should carefully consider the investment objectives, risks, charges and expenses of the underlying funds before investing. The prospectus contains this and other information about the funds and should be read carefully before investing. Investing involves risk and investors may incur a profit or a loss.
UMA Portfolio Models
With Freedom UMA, your particular financial circumstances, goals and risk tolerance are reviewed to help determine which of the available asset-allocation models may be right for you. The models are spread among six different objectives ranging from “conservative balanced” to “aggressive.” You and your financial advisor determine what’s right for you.
The model descriptions illustrate Freedom UMA’s six available investment objectives using asset allocation options for an investor with at least $600,000 to invest. It’s important to note that other asset allocation choices also may be available to an investor, depending on goals, preferences and investment amount. Some models are more heavily concentrated in a smaller number of SMAs, while others are built with more asset classes and may include mutual funds. Again, your financial advisor will work with you to help you understand all of your choices.
Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.
