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NORTHSTAR – TERMS & CONDITIONS OF USE

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Global VIP - 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 Model Portfolios

Fixed Income

Fixed Income (100%)

AllianceBernstein Global High Yield (5%)

BGF Emerging Markets Bond (5%)

BGF Global Inflation Linked Bond (7%)

BGF USD Short Duration Bond (7%)

Fidelity US High Yield (6%)

Franklin Floating Rate (6%)

JPM Aggregate Bond (5%)

JPM Global Corporate Bond (5%)

JPM US Bond (7%)

MFS® Meridian US Government Bond (3%)

New Capital Global Value Credit (6%)

New Capital Wealthy Nations Bond (8%)

PIMCO GIS Global Bond (10%)

PIMCO GIS Total Return Bond (10%)

Templeton Global Bond (10%)

Moderate Fixed Income

Fixed Income (75%) 

AllianceBernstein Global High Yield (5%)

BGF Emerging Markets Bond (4%)

BGF Global Inflation Linked Bond (5%)

BGF USD Short Duration Bond (5%)

Fidelity US High Yield (5%)

Franklin Floating Rate (5%)

JPM Aggregate Bond (3%)

JPM Global Corporate Bond (4%)

JPM US Bond (4%)

New Capital Global Value Credit (5%)

New Capital Wealthy Nations Bond (7%)

PIMCO GIS Global Bond (8%)

PIMCO GIS Total Return Bond (7%)

Templeton Global Bond (8%)

Equity (25%)

BGF World Gold (2%)

BSF Americas Diversified Equity Absolute Return (4%)

Fidelity America (3%)

Franklin Mutual Beacon (3%)

MFS® Meridian Prudent Wealth (9%)

Morgan Stanley Global Brands (2%)

New Capital US Growth (2%)

Balanced

Equity (50%)

BGF World Gold (2%)

BNY Mellon Global Opportunities (3%)

BSF Americas Diversified Equity Absolute Return (7%)

Fidelity America (8%)

Franklin Mutual Beacon (3%)

Henderson Gartmore Emerging Markets (3%)

MFS® Meridian Prudent Wealth (11%)

MFS® Meridian US Value (4%)

Morgan Stanley Global Brands (5%)

New Capital US Growth (4%)

Fixed Income (50%)

AllianceBernstein Global High Yield (5%)

BGF Emerging Markets Bond (4%)

BGF Global Inflation Linked Bond (4%)

Fidelity US High Yield (3%)

Franklin Floating Rate (3%)

JPM Global Corporate Bond (3%)

JPM US Bond (2%)

New Capital Global Value Credit (3%)

New Capital Wealthy Nations Bond (5%)

PIMCO GIS Global Bond (6%)

PIMCO GIS Total Return Bond (5%)

Templeton Global Bond (7%)

Moderate Equity

Equity (75%)

BGF European (2%)

BGF World Gold (2%)

BNY Mellon Global Opportunities (4%)

BSF Americas Diversified Equity Absolute Return (8%)

Fidelity America (9%)

Franklin Mutual Beacon (4%)

Franklin Technology (4%)

Henderson Gartmore Emerging Markets (4%)

JPM Global Healthcare (4%)

MFS® Meridian Prudent Wealth (12%)

MFS® Meridian US Value (7%)

Morgan Stanley Global Brands (6%)

New Capital US Growth (5%)

T. Rowe Price US Smaller Companies Equity (4%)

Fixed Income (25%)

Fidelity US High Yield (2%)

Franklin Floating Rate (2%)

New Capital Global Value Credit (3%)

New Capital Wealthy Nations Bond (4%)

PIMCO GIS Global Bond (5%)

PIMCO GIS Total Return Bond (4%)

Templeton Global Bond (5%)

Equity

Equity (100%)

BGF European (2%)

BGF World Gold (2%)

BNY Mellon Global Opportunities (4%)

BSF Americas Diversified Equity Absolute Return (9%)

Fidelity America (10%)

Fidelity International (6%)

Franklin Mutual Beacon (6%)

Franklin Technology (4%)

Henderson Gartmore Emerging Markets (5%)

JPM Global Healthcare (5%)

MFS® Meridian European Smaller Companies (4%)

MFS® Meridian Prudent Wealth (13%)

MFS® Meridian US Value (8%)

Morgan Stanley Global Brands (7%)

Morgan Stanley Indian Equity (3%)

New Capital US Growth (8%)

T. Rowe Price US Smaller Companies Equity (4%)

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.