Designed for high net worth individuals, the risk-based portfolios at Kerns Capital Management have long-term growth of capital as the primary objective.  As a secondary objective, but equally important, the portfolios seek to manage volatility and market risk.  In addition to generating profits during bull markets, it is just as important to protect assets during bear markets.  Since it is easier to create wealth than to recoup losses, the primary goal during tenuous markets is capital preservation.

Model Portfolios

The model portfolios include Stable, Conservative, Moderate, and Aggressive.


The objective of each model is based on the level of risk.  For example, the Conservative portfolio is designed to be a comprehensive investment solution for investors who are conservative in their tolerance for risk.  In general, this portfolio is appropriate for investors seeking growth of capital, but who are less willing to assume large fluctuations in the financial markets, and may have near-term liquidity needs.

On the opposite end of the risk spectrum, the Aggressive portfolio is appropriate for investors seeking growth of capital, are willing to assume larger fluctuations in the financial markets, and do not need access to their funds soon.

Example portfolio compositions:


The risk-based portfolios utilize Modern Portfolio Theory, and take into account aspects of Behavioral Finance and forward-looking financial market conditions. Our process is based on a combination of tactical and strategic investment principles designed to protect against catastrophic loss and optimize the asset allocation.  Equity and income-based mutual funds or ETFs are used to implement the strategies.  

During major market corrections, we will take some or all of the equity holdings to cash.

If your objective is long-term growth of capital, while managing volatility and market risk, contact us for a free consultation.