Wilshire Associates Incorporated (“Wilshire”) has a deep heritage of advising its clients on the use of alternatives in an effort to enhance holistic portfolio solutions:
There is no guarantee that any of the Portfolio Objectives will be met.
This material is for information purposes only. Wilshire Funds Management (WFM) is a business unit of Wilshire Associates Incorporated that uses mathematical and statistical investment processes to allocate assets, select managers, and construct portfolios and funds in ways that seek to outperform their specific benchmarks. WFM delivers Wilshire Advisor Solutions, which include models designed to provide a broad range of outcome-oriented investment portfolios for advisors to use with their clients. Past performance does not guarantee future returns, and processes used may not achieve the desired results. Actual portfolios and results may vary. All investments involve risk including the potential loss of principal.
Alternative investment strategies are speculative, not suitable for all clients, and intended for experienced and sophisticated investors who are willing to bear the high economic risks of the investment.
Investments in bonds are subject to interest rate, inflation, credit, currency, and sovereign risks. Investments in high-yield bonds are subject to greater credit risk and price fluctuations than higher-quality issues.
Investments in equities are subject to market risk so that shares, when redeemed, may be worth more or less than their original cost. Security prices can fluctuate significantly in the short term or over extended periods of time. These price fluctuations may result from factors affecting individual companies, industries, or the securities market as a whole. Investments in small-cap stocks may be subject to a higher degree of market risk than large-cap stocks, or more established companies’ securities. Furthermore, the illiquidity of the small-cap market may adversely affect the value of an investment.
Investments in international securities involve additional risks including currency rate fluctuations, political and economic instability, differences in financial reporting standards, and less stringent regulation of securities markets.
Investments in commodities and commodity-index-linked securities may be affected by overall market movements and other factors that affect the value of a particular industry or commodity, such as weather, disease, embargoes, or political and regulatory developments.
Model portfolios are exposed to the specific risks of the underlying funds in direct proportion to their percentage allocation. The funds comprising the models and the allocations to those funds have changed over time and may change in the future.
Diversification and asset allocation do not guarantee a profit, nor do they protect against loss, including the loss of principal.
Standard Deviation: A statistical measurement shedding light on historical volatility. For example, a volatile stock will have a high standard deviation while the deviation of a more stable stock will be lower.
Beta: A measure of volatility or systematic risk, of a security or a portfolio in comparison to the market as a whole. A beta of 1 indicates that the portfolio’s value will move with the market. A beta of less than 1 means that the portfolio’s value will be less volatile than the market.
Wilshire® is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks, and/or service marks are the property of their respective holders.
Copyright © 2019 Wilshire Associates Incorporated. All rights reserved. Information in this document is subject to change without notice.
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To learn more about these portfolios, please have your financial advisor contact us.
This information is for information purposes only. This information represents the current opinion of the firm. Information herein which has been obtained from third parties are based on sources believed to be reliable. Wilshire Funds Management does not represent that such information it is accurate. Statistical data contained herein are as of the dates noted and such information should not be relied on or be the basis for an investment decision. Past performance is no guarantee of future results. Investing involves risk including loss of principal.