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Conservative Portfolio

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Aims to provide wealth preservation through lower risk investments.

Risk Level
Lower
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Could be right for:
Anyone that wants "Safety First"

How It Works

The Conservative Portfolio aims to minimize risk while growing your assets over time. This plan invests in lower-risk options designed to preserve your capital and protect what you’ve saved.

It’s a solid choice for those who prioritize safety and want to limit the potential for loss while aiming for slow, steady growth.

Asset Allocation
Income
80%
Equity
20%
Asset allocation donut chart

How SPY and MDY Help

Investment Breakdown

The Conservative Growth Portfolio offers a diversified mix of exchange-traded funds (ETFs) across various asset classes, aiming to balance growth, income and risk management.

U.S. Equities: Includes large-cap stocks (SPY), small-cap stocks (SPSM), and mid-cap stocks (MDY), providing exposure to U.S. companies across different sizes and industries.
International Equities: Offers global diversification with investments in developed markets outside the U.S. (SPDW) and emerging markets (SPEM), helping capture growth opportunities worldwide.
Real Estate: The global real estate ETF (RWO) provides diversification and income potential by investing in real estate companies and REITs around the world.
Commodities: The diversified commodities ETF (PDBC) provides exposure to a range of commodities, helping protect against inflation and adding diversification beyond stocks and bonds.
Bonds: Includes a diverse mix of bond ETFs for income and stability: U.S. investment-grade bonds (SPAB) for broad, high-quality exposure; TIPS (TIPX) to hedge against inflation; short-term corporate (SPSB) and Treasury bonds (SPTS) for lower risk and interest sensitivity; senior loans (SRLN) for floating-rate income; high-yield bonds (SPHY) for greater income potential; and emerging market bonds (EMHC, EBND) for added yield and currency exposure.

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Documents and Resources

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PensionBee Brochure
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Privacy Policy
Investment Advisory Contract
PDF
Customer Relationship Summary
PDF
Terms and Conditions
PDF

PensionBee Inc. is registered with the SEC as an investment adviser. We do not provide in-person advice.

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General inquiries: (718) 502-9433
Press inquiries: (718) 502-9957

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General inquiries: [email protected]
Press inquiries: [email protected]
Partners: [email protected]

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Information presented does not intend to make an offer or solicitation for the sale or purchase of any specific securities or  investments. Past performance is not indicative of future performance. Investments involve risk and are not guaranteed.  This website and information are not intended to provide tax or legal advice.

State Street Global Advisors is not involved in the management of the strategies and accounts offered to you by PensionBee. State Street Global Advisors and its affiliates are not your investment adviser and are not a fiduciary with respect to you or your account. PensionBee is independent of State Street Global Advisors. State Street Global Advisors is not recommending or endorsing PensionBee or making a determination of the suitability or appropriateness for any individual products or investment strategies offered by PensionBee, including those described herein. Standard & Poor's®, S&P® and SPDR® are registered trademarks of Standard and Poor’s Financial Services LLC (S&P); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC (SPDJI) and sublicensed for certain purposes by State Street Corporation. State Street Corporation’s financial products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones or S&P, their respective affiliates and third party licensors and none of such parties make any representations regarding the advisability of investing in such product(s) nor do they have any liability in relation thereto, including for any errors, omissions or interruptions or any index.

The SPDR® S&P500 ETF®, SPDR® S&P MIDCAP 400® ETF, SPDR® Dow Jones Industrial Average ETF are exchange traded funds with the investment objective to correspond to the price and yield performance of the S&P 500® Index, S&P®MidCap 400®IndexTM and Dow Jones Industrial AverageSM. The shares of the SPDR® S&P 500® ETF, S&P MIDCAP 400® ETF, SPDR® Dow Jones® Industrial Average ETF represent individual ownership interest in the Trust’s portfolio.

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