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NORTHSTAR – TERMS & CONDITIONS OF USE

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Global VIP Elite - Model Portfolios

The Northstar model portfolios have been designed to provide portfolio options to suit your investment needs. Funds are selected from our range of leading asset managers using a variety of fundamental criteria. 

Funds are then run through rigorous statistical analysis, looking at a variety of historical performance and risk metrics and fund selection is then based upon a target allocation for the portfolio between asset classes using both Equity and Fixed Income funds, as well as some Passive Index funds. 

Fund assessment and risk monitoring is conducted on an ongoing basis across a number of categories as detailed below to ensure the funds and models continue to meet the original criteria. Funds that achieve unsatisfactory scores may be removed or replaced by another fund from the approved line-up. New funds may be added to the Model Portfolio from time to time and weightings attributable to a fund may also be adjusted. Model Portfolios, as well as all affected Contracts, are expected to be rebalanced to reflect the most recent allocations and weightings on a quarterly basis, but changes may also be made more or less frequently.

Fund Selection and Monitoring

Performance Volatility Strategy & Assets
1 year performance Standard deviation (1 & 3 years) Percentage change in AUM
3 year annualised performance Sharpe ratio Strategy integrity (style drift)
Category rank vs peers Changes in historical volatility Relevant news (eg. change of manager)

Northstar Global VIP Elite Model Portfolios

Fixed Income

Fixed Income (100%)

BGF Asian Tiger Bond (10%)

BGF Fixed Income Global Opportunities (13%)

BlackRock iShares Global Government Bond Index (4%)

Investec GSF Latin American Corporate Debt (5%)

JPM Aggregate Bond (5%)

JPM Global Corporate Bond (5%)

JPM US Bond (3%)

New Capital Global Value Credit (10%)

New Capital Wealthy Nations Bond (7%)

Pioneer Global High Yield (8%)

Pioneer US High Yield (8%)

Templeton Global Bond (11%)

Vanguard US Government Bond Index (11%)

Moderate Fixed Income

Fixed Income (75%)

BGF Asian Tiger Bond (8%)

BGF Fixed Income Global Opportunities (10%)

BlackRock iShares Global Government Bond Index (2%)

Investec GSF Latin American Corporate Debt (3%)

JPM Aggregate Bond (4%)

JPM Global Corporate Bond (4%)

JPM US Bond (2%)

New Capital Global Value Credit (8%)

New Capital Wealthy Nations Bond (5%)

Pioneer Global High Yield (6%)

Pioneer US High Yield (6%)

Templeton Global Bond (9%)

Vanguard US Government Bond Index (8%)

Equity (25%)

BSF Americas Diversified Equity Absolute Return (5%)

BlackRock iShares World Equity Index (5%)

Investec GSF Global Franchise (4%)

MFS® Meridian Prudent Wealth (3%)

MFS® Meridian US Value (4%)

Vanguard US 500 Stock Index (4%)

Balanced

Equity (50%)

BGF World Technology (4%)

BSF Americas Diversified Equity Absolute Return (6%)

BlackRock iShares Japan Equity Index (2%)

BlackRock iShares World Equity Index (5%)

Investec GSF Global Franchise (4%)

Investec GSF Global Quality Equity Income (5%)

MFS® Meridian Prudent Wealth (5%)

MFS® Meridian US Value (7%)

Pioneer US Fundamental Growth (3%)

Vanguard US 500 Stock Index (9%)

Fixed Income (50%)

BGF Asian Tiger Bond (6%)

BGF Fixed Income Global Opportunities (8%)

JPM Global Corporate Bond (3%)

JPM US Bond (2%)

New Capital Global Value Credit (6%)

New Capital Wealthy Nations Bond (4%)

Pioneer Global High Yield (4%)

Pioneer US High Yield (4%)

Templeton Global Bond (7%)

Vanguard US Government Bond Index (6%)

Moderate Equity

Equity (75%)

BGF World Technology (6%)

BSF Americas Diversified Equity Absolute Return (7%)

BlackRock iShares Japan Equity Index (3%)

BlackRock iShares World Equity Index (9%)

Investec GSF Global Franchise (5%)

Investec GSF Global Quality Equity Income (5%)

MFS® Meridian Prudent Wealth (8%)

MFS® Meridian US Value (10%)

New Capital US Growth (4%)

Pioneer China Equity (3%)

Pioneer US Fundamental Growth (5%)

Vanguard US 500 Stock Index (10%)

Fixed Income (25%)

BGF Fixed Income Global Opportunities (5%)

JPM Global Corporate Bond (2%)

New Capital Global Value Credit (4%)

Pioneer Global High Yield (2%)

Pioneer US High Yield (4%)

Templeton Global Bond (5%)

Vanguard US Government Bond Index (3%)

Equity

Equity (100%)

BGF Japan Small & MidCap Opportunities (3%)

BGF World Technology (7%)

BSF Americas Diversified Absolute Equity Return (10%)

BlackRock iShares Japan Equity Index (4%)

BlackRock iShares World Equity Index (14%)

Investec GSF Global Franchise (5%)

Investec GSF Global Quality Equity Income (6%)

MFS® Meridian Prudent Wealth (10%)

MFS® Meridian US Value (12%)

New Capital US Growth (5%)

Pioneer China Equity (4%)

Pioneer US Fundamental Growth (8%)

Vanguard US 500 Stock Index (12%)

Important Information

Northstar Financial Services (Bermuda) Ltd is not affiliated with any of the companies listed above. 

Northstar products are not available to US persons or citizens or residents of Bermuda. Please refer to the applicable product contract for a complete description of all relevant terms and conditions.  Model Portfolios are not available in Canada or to Canadian residents.
For complete information on each fund, please refer to the applicable fund prospectus. Portfolio allocation set out above is accurate at time of publication and is subject to change.