Stifel Financial Corporation · NYSE:SF
Stifel Financial — EquityCompass Investment Management — Investor Presentation (March 2026)
21 slides from Stifel Financial's investor presentation, March 2026
Slide 1: Core Retirement Portfolio March 2026
Core Retirement Portfolio March 2026 Goals-Based Retirement Investing Holistic. Balanced. Flexible.
Slide 2: The Challenge of Retirement Income Planning
The Challenge of Retirement Income Planning • Traditional retirement strategies may be ill-equipped to generate the growth and income needed throughout a retiree’s lifetime. • Retirees often may choose to segment their investment assets according to expected withdrawal dates with specific allocation
Slide 3: Rethinking Asset Allocation
Rethinking Asset Allocation Traditionally, a portfolio of 30-Year U.S. Treasury Yield 50% bonds and 50% stocks 12/31/1981 – 12/31/2025 | Source: Federal Reserve 14 was considered a sensible 12 first step in managing a 10 retirement portfolio. Over Yield (%) 8 time, as the retiree aged, a 6 percentag
Slide 4: Longevity Risk
Longevity Risk How would you invest differently if you knew you would live to be 100? A married couple in good health, retiring at age 65, has a 46% chance that at least one spouse will live to the age of 95 – or 30 years.1 • Too often, when retirees attempt to estimate the length of time they will
Slide 5: A Goals-Based Investment Approach
A Goals-Based Investment Approach • The goals-based investment approach allocates assets to meet the paramount objective needed to address income withdrawals over the long term. In goals- based investing, investors seek to take advantage of the financial market returns in order to build and maintain
Slide 6: Hierarchy of Retirement Needs
Hierarchy of Retirement Needs In his book Goals-Based Portfolio Theory, Franklin J. Parker thoughtfully outlines the myriad of financial goals that are important to a retiree.2 Parker begins by identifying the most important goals, what he calls Obligation Goals. These include the Needs for monthly
Slide 7: Core Retirement Portfolio: A Holistic Investment Approach
Core Retirement Portfolio: A Holistic Investment Approach The EquityCompass Core Retirement Portfolio is a holistic investment strategy that seeks to address the essential income needs for retirees by employing three distinct objectives. • Income – Investing in quality, high dividend-paying stocks w
Slide 8: Today, Tomorrow, and Beyond
Today, Tomorrow, and Beyond The balance between income for today and growth for tomorrow continues to be CRP’s governing mantra. It allows for exposure to areas of the market that can effectively perform even while other asset classes may be moving sideways. We believe the construct increases the pr
Slide 9: Core Retirement Portfolio (CRP) Objective
Core Retirement Portfolio (CRP) Objective Seeks to generate income and growth to fund retirement income withdrawals • In an effort to address the financial challenges associated with increased longevity • To help offset unfavorable market conditions and low interest rate scenarios Equity allocation
Slide 10: Core Retirement Portfolio (CRP) Highlights
Core Retirement Portfolio (CRP) Highlights Target portfolio allocation is 75% Equity / 25% Fixed Income when conditions are favorable. Equity exposure can be tactically adjusted based on fundamental and technical market signals. Fixed Equity Income & Current target portfolio allocation (as of Februa
Slide 11: 10-Year Anniversary Performance – As Expected Results
10-Year Anniversary Performance – As Expected Results Core Retirement Portfolio We continue to believe CRP’s equity As of 12/31/2025 Gross Benchmark† Net allocation—a barbell approach equally split Annualized Returns between quality dividend-paying value 1-Year 13.74% 12.65% 10.40% stocks and some o
Slide 12: Examining The 4% Sustainable Withdrawal Rate
Examining The 4% Sustainable Withdrawal Rate In the mid-1990s William Bengen, a financial advisor, developed an analytic framework to determine portfolio withdrawal rates for retirement income (the "4% Rule").1 The 4% Rule identified an asset allocation and withdrawal formula for producing inflation
Slide 13: Core Retirement Portfolio and the 4% Rule
Core Retirement Portfolio and the 4% Rule Core Retirement Portfolio Calendar-Year Growth Applying Bengen’s 4% Rule $1,400,000 $1,204,068 to the performance of the $1,200,000 $1,096,701 $1,101,945 $1,053,471 $1,105,413 $1,071,839 Core Retirement Portfolio, $1,000,000 $1,007,270 $971,003 $963,887 $1,0
Slide 14: Core Retirement Portfolio – Meeting its Economic Objective
Core Retirement Portfolio – Meeting its Economic Objective As a goals-based investment approach, the paramount objective for the strategy is the ability to achieve its economic goal—the distribution of income over time. As shown on the prior slide, CRP's ending value would have been $1,105,413 by th
Slide 15: Core Retirement Portfolio – Not Just For Retirement
Core Retirement Portfolio – Not Just For Retirement “Retirement” is clearly in the portfolio’s name and originated for that specific need, but the Core Retirement Portfolio can certainly apply beyond traditional retirement accounts. There are numerous scenarios in which the Core Retirement Portfolio
Slide 16: Portfolio Management Team
Portfolio Management Team Robert is Chief Investment Officer of EquityCompass Investment Management, LLC and Senior Portfolio Manager of the Global Leaders Portfolio. He joined EquityCompass in April 2014 and launched the Global Leaders Portfolio in July 2014. Robert was appointed Chief Investment O
Slide 17: About EquityCompass
About EquityCompass EquityCompass Investment Management, LLC (“EquityCompass”) is a Baltimore-based equity investment management team that provides portfolio strategies with respect to total assets of approximately $6.1 billion.1 At EquityCompass, our mission as an asset management company is to pro
Slide 18: Investment Performance Disclosures
Investment Performance Disclosures CORE RETIREMENT PORTFOLIO WRAP COMPOSITE (11/01/2015 ‒ 12/31/2024) Custom Composite Custom Benchmark Composite Composite Strategy Firm & Advisory Gross-of-Fees Net-of-Fees Benchmark 3 Yr. Ex Post 3 Yr. Ex Post Number of Internal Assets Assets Firm AUM Assets Year-E
Slide 19: Investment Performance Disclosures
Investment Performance Disclosures Benchmark Description The composite uses a custom benchmark comprising 25% S&P 500 Low Volatility High Dividend Index / 25% MSCI ACWI Index / 25% HFRI Equity Hedge Index / 25% Bloomberg U.S. Intermediate Aggregate Bond Index, rebalanced monthly. As of 10/1/2022, th
Slide 20: Disclosures
Disclosures The information contained herein has been prepared from sources believed to be reliable but is not guaranteed and is not a complete summary or statement of all available data nor is it considered an offer to buy or sell any securities referred to herein. Affiliates of EquityCompass may,
Slide 21: EquityCompass Investment Management, LLC
EquityCompass Investment Management, LLC 1 South Street, 25th Floor, Baltimore, Maryland 21202 Hotline: (443) 224-1231 Email: info@equitycompass.com www.equitycompass.com
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