TOPS® Conservative ETF Portfolio Service Class Shares (0P0001FVHM)

Overview

The fund operates based on a fund-of-funds structure, primarily investing at least 80% of its assets in a variety of exchange-traded funds (ETFs). These ETFs are selected based on their focus on one or more specific asset classes, including government and corporate fixed income securities, stocks (both common and preferred), Real Estate Investment Trusts (REITs), and securities tied to natural resources. This investment approach allows the fund to diversify its portfolio across different types of assets and sectors, aiming to mitigate risk while seeking to capitalize on various market opportunities.

Products and Services

• Government Fixed Income Securities ETFs

  ETFs that focus on government bonds or fixed income securities. These are considered low-risk investments and are aimed at investors looking for stable returns and preservation of capital.

• Corporate Fixed Income Securities ETFs

  These ETFs invest in corporate bonds, which typically offer higher yields compared to government bonds, in exchange for a higher risk level. They cater to investors seeking a balance between risk and return.

• Common and Preferred Stocks ETFs

  This category includes ETFs that invest in both common and preferred stocks, offering a way to gain exposure to the equity market. Common stocks ETFs are aimed at investors looking for growth, while preferred stocks ETFs appeal to those seeking income.

• Real Estate Investment Trusts (REITs) ETFs

  ETFs that specialize in investing in REITs, which own, operate, or finance income-generating real estate. These are suitable for investors seeking to include real estate exposure in their portfolios without directly investing in property.

• Natural Resource-Related Securities ETFs

  These ETFs focus on securities related to natural resources, such as energy, metals, and agriculture. They offer investors an opportunity to invest in the commodities market through a diversified investment product.