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You > Financial Planning Strategies

Chosen Structured Portfolios

Can’t predict the future? Most of us cannot.

Picking investments and deciding when to buy and sell is a lot like predicting the future. If you are like most folks, you may be uncomfortable doing this with your serious (as in college or retirement) money. You may be equally uncomfortable relying on someone else to do this for you.

With ChosenTM Structured Portfolios, the guesswork is taken out of the equation. Each portfolio contains a standard, fixed, optimal, fully-diversified mix of investment options - domestic large, mid, small, and micro-cap stocks; domestic real estate; international and emerging markets stocks; and domestic and foreign bonds. Each investment option represents a stand-alone asset class supported by a single “index-like” mutual fund.

No guesswork here. No buy/sell or timing decisions to make. Each investor is fully invested in the world capital markets. Stocks include some 12,000 companies. Annual account rebalancing keeps each portfolio true to its investment objective.

Canandaigua National Bank & Trust offers eight highly-diversified Chosen Structured Portfolios covering the entire reward-risk spectrum and provides flexible investment minimums designed for any investor:

  • Chosen Structured Portfolios - Optimum: For customers of the bank with Optimum checking accounts, and have less than $100,000 to invest.
  • Chosen Structured Portfolios - Optimum Plus: For any investor with more than $100,000 of investable assets.  
Chosen Structured Portfolios Risk Spectrum (Aggressive to Conservative)
Chosen 100/0

100% Equities / 0% Bonds

Chosen 80/20

80% Equities / 20% Bonds

Chosen 70/30

70% Equities / 30% Bonds

Chosen 60/40

60% Equities / 40% Bonds

Chosen 50/50

50% Equities / 50% Bonds

Chosen 40/60

40% Equities / 60% Bonds

Chosen 20/80

20% Equities / 80% Bonds

Chosen 0/100

0% Equities / 100% Bonds

 

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Contact Us
If you would like additional information, please use the contact us form or if you would like to speak with a Financial Services Professional, please call 585.419.0670.

 

 

Chosen is a trademark of The Canandaigua National Bank and Trust Company. Portfolios are managed by OBS Financial Services, Inc., an SEC Registered Investment Advisor, and are comprised of investments from Dimensional Fund Advisors, Inc. Investments are not FDIC insured are not deposits or other obligation of or guaranteed by Canandaigua National Bank & Trust or OBS Financial Services, Inc. are subject to investment risk, including possible loss of the principal amount invested. Past performance does not predict future results. IMPORTANT INFORMATION ABOUT INVESTMENTS: NOT FDIC-INSURED, NO BANK GUARANTEE. MAY LOSE VALUE, NOT A BANK DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. For more complete information, including charges and expenses, contact your financial advisor for a prospectus. Read the prospectus carefully.

This material is provided for general information purposes only and is not a recommendation or solicitation to buy or sell any particular security, product or service. Past performance is not indicative of future investment results. Any investment involves potential risk, including potential loss of capital. Before making any investment decision, please consult your legal, tax and financial advisors. Non-deposit investment products are not bank deposits and are not insured or guaranteed by Canandaigua National Bank & Trust, or any federal or state government or agency and are subject to investment risks, including possible loss of principal amount invested.

Chosen is a trademark of The Canandaigua National Bank and Trust Company. Portfolios are managed by OBS Financial Services, Inc., an SEC Registered Investment Advisor, and are comprised of investments from Dimensional Fund Advisors, Inc. Investments are not FDIC insured are not deposits or other obligation of or guaranteed by Canandaigua National Bank & Trust or OBS Financial Services, Inc. are subject to investment risk, including possible loss of the principal amount invested. Past performance does not predict future results. IMPORTANT INFORMATION ABOUT INVESTMENTS: NOT FDIC-INSURED, NO BANK GUARANTEE. MAY LOSE VALUE, NOT A BANK DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. For more complete information, including charges and expenses, contact your financial advisor for a prospectus. Read the prospectus carefully.

This material is provided for general information purposes only and is not a recommendation or solicitation to buy or sell any particular security, product or service. Past performance is not indicative of future investment results. Any investment involves potential risk, including potential loss of capital. Before making any investment decision, please consult your legal, tax and financial advisors. Non-deposit investment products are not bank deposits and are not insured or guaranteed by Canandaigua National Bank & Trust, or any federal or state government or agency and are subject to investment risks, including possible loss of principal amount invested.