INVESTMENT STRATEGIES

GROWTH -A method of portfolio allocation focused on equities (mutual funds / stocks) often known as a capital growth strategy, since investors seek to maximize their capital gains; this objective involves investing in individual equities whose earnings are expected to grow at an above-average rate compared to its industry or the market overall, as well as, mutual funds whose investment objective is to invest in companies and sectors which are growing faster than their peers, where the benefits are usually in the form of capital gains rather than dividends.

This Strategy is intended for investors who can tolerate moderate risk.

BALANCED - A method of portfolio allocation designed to provide income and capital appreciation while avoiding excessive risk; this objective involves investing in 70% equities (mutual funds/stocks) and 30% fixed income (bonds/cash) and is geared toward investors who want a balanced mixture of safety, income, and modest capital appreciation.

This Strategy is intended for investors who want a mix of safety and moderate risk.

CONSERVATIVE I & 11 - A method of portfolio allocation utilizing a risk averse investment objective which has preservation of capital as its highest priority; this objective involves 60% (Con I) to 80% (Con II) fixed income (bonds/cash) investments encompassing the majority of the portfolio, while adding conservative equity investments (mutual funds/stocks) in either 40% (Con I) or 20% (Con II) allocations.

This Strategy is intended for investors who desire minimal risk.

Mendel Capital Management
Model Expenses
As of 7/31/2012
Model Expense Ratio Amount per $1000
Growth:    
A .47% $4.70
B .33% $3.30
C .31% $3.10
D .31% $3.10
E .22% to .50% $2.20 to $5.00
F ≤ .30% ≤ $3.00
Balanced    
A .54% $5.40
B .41% $4.10
C .40% $4.00
D .40% $4.00
E .22% to .50% $2.20 to $5.00
F ≤ .40% ≤ $4.00
Conservative I    
A .56% %5.60
B .51% $5.10
C .51% $5.10
D .51% $5.10
E .46% to .67% $4.60 to $6.70
F ≤ .51% ≤ $5.10
Conservative iI .22% to > 50% $2.20 to $5.00
  1. Portfolio size $21,000-$50,000
  2. Portfolio size $50,000 to $150,000
  3. Portfolio size $150,000 to $350,000
  4. Portfolio size $350,000 to $500,000
  5. Portfolio size < $21,000
  6. Portfolio size > $500,000

All Conservative II, E, & F portfolios are individually managed

Expenses reflect the gross expense ratio of the underlying investments

Allocation Period Annualized Return Benchmark
S&P 500
Mendel Capital GROWTH Strategy      
  10 Year 6.45% 6.34%
  5 Year 1.4% 1.13%
  3 Year 6.41% 11.78%
    Total Return  
  1 Year -1.98% 6.74%
  YTD 2.93% 6.72%
A method of portfolio allocation focused on equities (mutual funds / stocks) often known as a capital growth strategy, since investors seek to maximize their capital gains; this objective involves investing in individual equities whose earnings are expected to grow at an above-average rate compared to its industry or the market overall, as well as, mutual funds whose investment objective is to invest in companies and sectors which are growing faster than their peers, where the benefits are usually in the form of capital gains rather than dividends.
Allocation Period Annualized Return Benchmark
Dow Jones US Moderate Risk
Mendel Capital BALANCED Strategy      
  10 Year 7.45% 7.53%
  5 Year 4.21% 4.25%
  3 Year 8.06% 11.96%
    Total Return  
  1 Year 3.51% 6.39%
  YTD 4.92% 7.20%
A method of portfolio allocation designed to provide income and capital appreciation while avoiding excessive risk; this objective involves investing in 70% equities (mutual funds/stocks) and 30% fixed income (bonds/cash) and is geared toward investors who want a balanced mixture of safety, income, and modest capital appreciation.
Allocation Period Annualized Return Benchmark
Dow Jones US Mod Conservative Index
Mendel Capital CONSERVATIVE I Strategy      
  10 Year 4.69% 6.91%
  5 Year 3.94% 5.21%
  3 Year 5.67% 10.11%
    Total Return  
  1 Year .57% 6.98%
  YTD 4.78% 6.09%
A method of portfolio allocation utilizing a risk averse investment objective which has preservation of capital as its highest priority; this objective involves 60% fixed income (bonds/cash) investments encompassing the majority of the portfolio, while adding conservative equity investments (mutual funds/stocks) 40% allocations.
Allocation Period Annualized Return Benchmark
Dow Jones Conservative Index
Mendel Capital CONSERVATIVE II Strategy      
  10 Year 5.36% 6.47%
  5 Year 3.74% 6.41%
  3 Year 6.4% 8.19%
    Total Return  
  1 Year 3.91% 7.05%
  YTD 4.89% 4.84%
A method of portfolio allocation utilizing a risk averse investment objective which has preservation of capital as its highest priority; this objective involves 80% fixed income (bonds/cash) investments encompassing the majority of the portfolio, while adding conservative equity investments (mutual funds/stocks) 20% allocations

All Returns are as of 07/31/2012