Adding international exposure to a portfolio can help offset domestic market risk and enhance overall portfolio growth. As a global asset allocation specialist, Towneley manages three separate exchange traded fund strategies (“ETFS”), each designed to provide diversified exposure to global investing. In these strategies, we primarily use ETFs, as they offer a low cost, highly liquid means of tracking country specific and broad market indexes.

Fund Selection
In selecting exchange traded funds, we screen the hundreds of available funds by looking for the larger funds, as funds with less assets may be more thinly traded, impacting prices. We also evaluate an ETF's diversification and seek low expense ratios.

Towneley’s Global Balanced Strategy ("GBS") is designed for investors wishing to participate in the capital appreciation potential of the major worldwide equity markets. This strategy seeks a high total return with moderate risk over the long term. Assets are allocated between U.S. and foreign equity, fixed income and hard assets and are rebalanced periodically.

The Developed Markets Strategy ("DMS") targets investment opportunities in developed European, Asian and North American countries. The objective is to balance total return and risk over the long term by allocating capital among cash, fixed income and equities of developed market countries around the world, in order to provide superior risk-adjusted returns relative to appropriate benchmark indexes.

The Emerging Markets Strategy ("EMS") focuses on investment opportunities in dynamic, developing economies. The objective is to balance total return and risk over the long term by allocating capital among cash, fixed income and equities of emerging market countries, in order to provide superior risk-adjusted returns relative to appropriate benchmark indexes.

Our ETF strategies are particularly suitable for organizations that have revenues or expenses in foreign currencies. Tax-exempt entities enjoy the benefits of rebalancing without tax consequences.

Annual investment management fees for the Exchange Traded Fund Strategies range from 0.30% to 1.00% based on account size. The minimum investment is $500,000. One or more of the ETF strategies may not be suitable for all institutions.