--- title: "Windhaven Investment Management’s 3 Strategies: Which Is Right For You?" description: Windhaven Investment Management has 3 money manager strategies with varying risk levels. Which should you invest in? --- [![Assembly Wealth](https://www.letsassemble.com/hs-fs/hubfs/Assembly/logos/Assembly-Wealth-Logo-Orange-500px.png?width=300&height=70&name=Assembly-Wealth-Logo-Orange-500px.png "Assembly Wealth")](https://www.letsassemble.com/) The Money Manager People TM [800-541-7774](tel:+18005417774) [![RESEARCH MONEY MANAGERS](https://no-cache.hubspot.com/cta/default/10700/7ecbcb66-3fbb-41e3-b219-c24fb3c769c5.png)](https://cta-redirect.hubspot.com/cta/redirect/10700/7ecbcb66-3fbb-41e3-b219-c24fb3c769c5) [![Client Center](https://no-cache.hubspot.com/cta/default/10700/8691dcb4-caa3-42c2-a810-77b59f461fd2.png)](https://cta-redirect.hubspot.com/cta/redirect/10700/8691dcb4-caa3-42c2-a810-77b59f461fd2) [Home](https://www.letsassemble.com/) WrapManager's Wealth Management Blog When life changes, we can help you thoughtfully respond. [< Back to read another post](https://www.letsassemble.com/wealth-management-blog) # Windhaven Investment Management’s 3 Strategies: Which Is Right For You? Posted by [ Seton McAndrews | CFP®, Vice President Investments](https://www.letsassemble.com/wealth-management-blog/author/seton-mcandrews) May 1, 2014 - [Tweet](https://twitter.com/share) In November 2010, Charles Schwab acquired the assets and intellectual property of Winward Investment Management (now operating under the name Windhaven Investment Management). In doing so, Schwab now offers the three **[Windhaven money manager strategies](https://www.letsassemble.com/money-manager-research/windhaven_investment_management)** to its retail clients, providing a distinct approach to investing for growth and risk management. The Windhaven strategies have grown in popularity since Schwab’s acquisition, though many investors may be unsure of how each strategy differs in its approach.1 Which of the Windhaven Investment Management strategies is right for you? ### The Windhaven Portfolios: Money Manager Strategies for Different Levels of Risk The three **[Windhaven Strategies](https://www.letsassemble.com/money-manager-research/windhaven_investment_management)** are made up of highly diversified asset classes including US, international, and emerging markets equities, fixed income, commodities, real estate, and currencies in an attempt to protect against a wide range of risky assets. The portfolios primarily use ETFs to build-out the strategies, so if you were looking to create a portfolio comprised of individual stocks and bonds, these strategies may not be the right solution for you.1 Below we’ll take a look at each of the three strategies, which vary based on how much risk you’re willing to take (**[risk tolerance](https://www.letsassemble.com/wealth-management-blog/stomaching-the-next-stock-market-decline-heres-how)**) and the length of time that you’re looking to invest. ### Windhaven Diversified Conservative **Risk Tolerance** = Low **Investment Time Horizo**n = Less than 5 years If you’re in the late stages of retirement and have significant income needs, the Windhaven Diversified Conservative strategy could make sense as part of your investment plan. The strategy attempts to earn returns in excess of inflation over time while maintaining a focus on downside risk management. It maintains a modest exposure to equities, and instead keeps a focus on fixed income securities.2 ### Windhaven Diversified Growth **Risk Tolerance** = Moderate **Investment Time Horizon** = Greater than 5 years For those investors who are looking to achieve some level of long-term growth but also wish to limit volatility along the way where possible, the Windhaven Diversified Growth strategy could be a good choice. It takes on more risk than the Diversified Conservative strategy, with greater exposure to US and international equities. It seeks to achieve equity-like returns while exhibiting less volatility and maximum drawdown over full market cycles.3 ### Windhaven Diversified Aggressive **Risk Tolerance** =High **Investment Time Horizon** = 10 to 15 years or greater If your investment objective is long-term equity-like returns, and you can handle greater volatility over time, the Windhaven Diversified Aggressive strategy might make sense. It has a majority of assets invested in US and international stocks, and seeks to aggressively take advantage of global capital market opportunities while exhibiting less volatility and maximum drawdown than conventional equity portfolios over full market cycles. Investors considering this strategy should possess an ability to withstand a permanent loss of capital.4 ### Learn More About the Windhaven Strategies If you would like detailed performance information on any of Windhaven Investment Management’s strategies, please give one of our Wealth Managers a call at 1-800-541-7774 or **[request the information here.](https://www.letsassemble.com/money-manager-research/windhaven_investment_management)**   [![Seton M. McAndrews Certified Financial Planner](http://admin.wrapmanager.com/images/uploads/seton_mcandrews_newsletter.jpg "Seton M. McAndrews Certified Financial Planner")](https://www.letsassemble.com/wealth-management-advisors/seton-mcandrews) *By **[Seton M. McAndrews, CFP](https://www.letsassemble.com/wealth-management-advisors/seton-mcandrews)******[®](https://www.letsassemble.com/wealth-management-advisors/seton-mcandrews)*** *Seton is a CERTIFIED FINANCIAL PLANNERTM professional and Vice President of Investments at WrapManager, Inc.* --- Sources: 1 [Charles Schwab](http://pressroom.aboutschwab.com/press-release/schwab-investor-services-news/charles-schwab-launches-windhaven-money-management-solut) 2 [Windhaven Investment Management](http://www.windhaveninvestments.com/StrategyPortfolios.html) 3 [Windhaven Investment Management](http://www.windhaveninvestments.com/StrategyPortfoliosGrowth.html) 4 [Windhaven Investment Management](http://www.windhaveninvestments.com/StrategyPortfoliosAggressive.html) Strategy descriptions listed represent a brief outline of the portfolio’s objective. There is no guarantee that any manager or product will be successful in achieving the objective described. The strategy used by the money manager listed is not suitable for all investors. This material does not represent a personalized recommendation and does not reflect individual investor’s risk and return goals nor does it serve as the receipt of, or a substitute for, personalized advice from WrapManager, Inc. or any other investment professional.  [Windhaven Investment Management](https://www.letsassemble.com/wealth-management-blog/topic/windhaven-investment-management) ### Subscribe to Updates [Subscribe to RSS Feed](https://www.letsassemble.com/wealth-management-blog/rss.xml) [![New Call-to-action](https://no-cache.hubspot.com/cta/default/10700/ffe2a394-957b-481b-9f80-4ef176bd6aaf.png)](https://cta-redirect.hubspot.com/cta/redirect/10700/ffe2a394-957b-481b-9f80-4ef176bd6aaf) ### Most Recently Published ### Blog Authors [![Gabriel Burczyk](http://www.wrapmanager.com/hs-fs/hub/10700/file-2347381761-jpg/Athors_Avatars/Gabe-avatar.jpg "Gabriel Burczyk")](http://www.wrapmanager.com/wealth-management-blog/author/gabriel-burczyk) [**Gabriel Burczyk,**](http://www.wrapmanager.com/wealth-management-blog/author/gabriel-burczyk) [Founder & CEO](http://www.wrapmanager.com/wealth-management-blog/author/gabriel-burczyk) [![Valerie De Vol](http://www.wrapmanager.com/hs-fs/hub/10700/file-2457588837-jpg/Athors_Avatars/Valerie-De-Vol-avatar.jpg "Valerie De Vol")](http://www.wrapmanager.com/wealth-management-blog/author/valerie-de-vol) [**Valerie De Vol, **IACCP® Chief Operating Officer](http://www.wrapmanager.com/wealth-management-blog/author/valerie-de-vol) [![Seton-avatar.jpg](http://www.wrapmanager.com/hs-fs/hub/10700/file-2344519198-jpg/Athors_Avatars/Seton-avatar.jpg "Seton-avatar.jpg")](http://www.wrapmanager.com/wealth-management-blog/author/seton-mcandrews) [**Seton McAndrews, **CFP® ](http://www.wrapmanager.com/wealth-management-blog/author/seton-mcandrews)[Vice President - Investments](http://www.wrapmanager.com/wealth-management-blog/author/seton-mcandrews) [![Doug Hutchinson](http://www.wrapmanager.com/hs-fs/hub/10700/file-2347381751-jpg/Athors_Avatars/Doug-avatar.jpg "Doug Hutchinson")](http://www.wrapmanager.com/wealth-management-blog/author/doug-hutchinson) **[Doug Hutchinson,](http://www.wrapmanager.com/wealth-management-blog/author/doug-hutchinson) **[CFA® ](http://www.wrapmanager.com/wealth-management-blog/author/doug-hutchinson)[Director of Research and Trading](http://www.wrapmanager.com/wealth-management-blog/author/doug-hutchinson) ![Katie - square.png](https://www.wrapmanager.com/hubfs/Katie%20-%20square.png "Katie - square.png") [**Katie O'Connor **Director of Client Services](https://www.wrapmanager.com/wealth-management-advisors/katie-oconnor) **Important Disclosure Concerning WrapManager Blogs** Blogs found at this site have been created or supported by WrapManager. The information provided in a blog post prepared by WrapManager or an associated person of WrapManager is generally limited to financial and economic issues, but may include a discussion of general interest items. The views and opinions expressed on this blog are purely the blog authors, and not necessarily those of WrapManager, Inc. Certain blog posts include information pertaining to WrapManager’s investment advisory services and the products and services of unaffiliated money managers. Such information is provided for information purposes only. Accordingly, information provided in a blog should not be construed by any consumer and/or prospective client as a solicitation to effect or attempt to effect transactions in securities or the rendering of personalized investment advice. Any subsequent, direct communication by WrapManager with a prospective client shall be conducted by a representative of WrapManager. 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This website should not be regarded as a complete analysis of the subjects discussed. Information on this site should not be relied upon as a substitute for legal, tax or accounting advice by a professional in your local jurisdiction. Comments made by third parties are subject to moderation by WrapManager and may not appear on this blog until they have been deemed appropriate for posting. Also, due to the volume of comments received, not all comments will be posted. WrapManager does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party website linked to WrapManager's web site or incorporated within a blog post. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.     ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Seton McAndrews", "url" : "https://www.letsassemble.com/wealth-management-blog/author/seton-mcandrews" }, "datePublished" : "2014-05-01T17:30:00.000Z", "headline" : "Windhaven Investment Management’s 3 Strategies: Which Is Right For You?", "mainEntityOfPage" : { "@id" : "https://www.letsassemble.com/wealth-management-blog/windhaven-investment-managements-3-strategies-which-one-is-right-for-you", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.letsassemble.com/hubfs/Assembly/logos/Assembly-Wealth-Logo-Orange-500px.png" }, "name" : "Assembly" } } ```