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Portfolio Strategy | Your Goals 

Portfolio Strategy | Your Goals

Increasing Income


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How Can I Find Attractive Yield Without Taking Unnecessary Risk?

We believe investors should consider the income and diversification potential of a broader mix of income-producing asset classes. In a broadly diversified portfolio, any single market risk may hurt less than a portfolio whose income potential is dominated by one or two asset classes. 

Source: Bloomberg. As of December 31, 2018. Chart shows the hypothetical historical yield of an illustrative portfolio with equal allocation to S&P 500 Index and Bloomberg Barclays Aggregate Bond Index. “Bloomberg Barclays Agg Income Contribution” is the Bloomberg Barclays US Aggregate Bond Index Yield to Worst and “S&P 500 Income Contribution” is the S&P 500 12 Month Dividend Yield. Past performance does not guarantee future results, which may vary. These illustrative results do not reflect any GSAM product and are being shown for informational purposes only. No representation is made that an investor will achieve results similar to those shown. The performance results are based on historical performance of the indices used. The result will vary based on market conditions and your allocation.

To illustrate this point, a portfolio comprised of seven diversifying asset classes accompanying traditional core equity could achieve a distribution yield of more than 4%, net of mutual fund fees, while also spreading risk across a range of asset classes. 

Source: Goldman Sachs Asset Management/Strategic Advisory Solutions Portfolio Strategy. Morningstar. Yield assumptions generally represent the asset-weighted average 12-month yield of the Institutional and No-Load Shares, excluding those funds with 12-b(1) fees, in the representative Morningstar peer groups through 12/31/2018. Past performance does not guarantee future results, which may vary.

We believe that bridging the income gap need not introduce unnecessary risk or income concentration into investor portfolios. In today’s low interest-rate environment, well-crafted income portfolios potentially can help investors pursue their income targets.

Learn about why portfolio construction matters and how practical tools can help.
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We believe one of the most effective ways to build portfolios and aim to achieve long-term objectives is through “core” and “diversifier” portfolio construction.
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Given investors’ understandable desire for loss avoidance, we believe alternative strategies’ potential impact on portfolio risk and returns are worth understanding.
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