Money you’ll need in under seven years shouldn’t be in the Growth strategy.
Equity markets are volatile. A concentrated portfolio is more volatile than a broad index. If you need funds for a specific near-term purpose — a house, a medical expense, a business — putting that capital in Growth and hoping the timing works out is not a plan we’d recommend.
The practical solution: we segment the money. Capital with a short or uncertain time horizon goes into Income or Diversification — strategies designed for stability and income rather than long-term appreciation. The growth-oriented portion stays invested for the long run.
We call this keeping your “roof money” separate. If you know you might need $40,000 in three years, we hold that in a lower-volatility allocation so you’re never forced to sell Growth positions at the wrong moment to cover a known expense.
Income and Diversification strategies also involve risk of loss and are not equivalent to cash or money market accounts. Investment strategies involve risk of loss. Past performance does not guarantee future results.