Narstar
Growth Portfolio
Companies with durable competitive advantages, held for years.
You want to own businesses that are hard for competitors to copy, and hold them long enough for that to matter. The Growth Portfolio holds individual stocks selected for that kind of quality, with a 1.20% annual fee. It can lose significant value and can underperform for extended periods.
Portfolio at a glance
Individual companies selected for quality and held for years, not traded in and out.
- Suited for investors with a 3+ year horizon
- Holds individual stocks, not index funds or ETFs
- Low turnover. Built to hold through market downturns.
- More concentrated than an index; higher short-term volatility
New clients may open one Starter Account at $100 and have six months to reach $3,000. Liquidation is a taxable event. Details.
Who This Is For
Built for patient investors who won't need the money for years and can handle real losses along the way.
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You won't need this money for years
Three years is a short horizon for this portfolio. We're talking five, seven, ten or longer, through stretches where your account is down and staying there. Patience is the actual requirement. If there's any chance you'll need to pull cash in the next few years, this isn't the right place for it.
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You can sit through a down year
A 25% down year is not unusual for a concentrated stock portfolio. A multi-year stretch of underperformance isn't unusual either. If that kind of loss would push you to sell, that's useful information about what actually fits your situation. This portfolio needs someone who can sit through it without acting.
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You want businesses, not bets
What we're looking for is businesses where the competitive moat is real: pricing power, switching costs, brand loyalty, something that makes it genuinely hard for a new entrant to take their customers. Trending tickers aren't the filter. Quality is.
You need income from your portfolio now, need the money in the next few years, or can't accept that your balance might drop and stay down for a long time. The Income portfolio is worth looking at instead.
Building toward retirement? See the types of retirement accounts Narstar manages for long-term Roth and Rollover IRA context. New to stocks? Read What Is a Stock? for the basics of what you would own.
Comparing options? See how Narstar compares to robo-advisors and what fee-only means.
What to Expect
This portfolio will drop, sometimes a lot, so read this before committing.
- Market risk Your portfolio value can decline and stay down for extended periods. That is not a worst-case scenario, it is how markets work.
- Price sentiment When the market turns away from growth stocks, prices can fall even when nothing is wrong with the underlying company.
- Tech concentration A broad tech selloff hits this portfolio harder than a diversified index.
- Extended underperformance A year where this portfolio drops 25% or more is possible. So is a multi-year stretch where it lags other approaches.
- Loss of principal All investing involves risk, including the possible loss of principal. No model portfolio is guaranteed to achieve its objective.
If none of that disqualifies it for you, it may be a reasonable fit. Only you can make that call, and we're happy to talk through it before you commit to anything.
What you pay
1.20% per year, calculated on the average daily net liquidation value of your account and billed at the end of each quarter. Our advisory fee is the only fee we charge. Interactive Brokers may charge its own separate fees and costs, depending on your account and holdings.
- Our trading commissions $0
- Referral fees $0
- Product sales $0
- Hidden fees $0
Fee calculated on average daily net liquidation value. Your brokerage (Interactive Brokers) may charge its own separate fees.
Not the right fit? See the Income or Speculative portfolio.
How to Start
Short process. No contracts to sign before we talk.
Tell us about your goals
Reach out and we'll send a short questionnaire. It covers your timeline, how much of a loss you could sit through without selling, and what the money is actually for. Growth requires at least a three-year horizon, realistically longer.
We recommend a portfolio
Based on your answers, we'll tell you which model portfolio fits. If Growth isn't the right match for your situation, we'll say so.
We handle everything from there
Trading, monitoring, ongoing adjustments. You can leave any time with written notice. No termination penalty.
Questions
Things people ask about the Growth portfolio.
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Years, not months. If you need this money within 2 to 3 years, this isn't the right portfolio. Growth investing requires time to ride through declines. The shorter your horizon, the more any temporary drop becomes a permanent problem if you need to sell.
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More concentrated than an index fund, less concentrated than the Speculative portfolio. Each position is researched individually. Concentration means more risk from individual picks. If one company has a serious problem, it affects the portfolio more than it would in a broad index.
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This portfolio will drop with the market, and sometimes more. We don't try to time the market. We hold through downturns when the long-term case for owning it is intact. That means you'll see red in your account during bad markets. That's expected, not a mistake.
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Growth ETFs hold hundreds of companies, including ones we would never choose. We build a focused portfolio of researched companies. That concentration is deliberate. It also means more risk from individual picks than a broad index. You're paying for selection, not diversification.
Interested in the Growth Portfolio?
Send a message with questions about the portfolio, the fee, your timeline, or anything else. We reply within two business days.
- Reply within two business days.
- [email protected]
- (801) 251‑6844
- Sandy, Utah