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 durable competitive advantages. 1.20% annual fee. But this portfolio can lose significant value and can underperform for extended periods.
Portfolio at a glance
Long-term ownership of individual companies with durable competitive advantages.
- Suited for investors with a 5+ 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
Who This Is For
Built for patient investors who won't need the money for years and can handle real losses. Both matter.
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You won't need this money for years
You don't need this money for a long time. Not next year. Not in three years. This portfolio is built to hold through market declines, slow stretches, and years where nothing seems to happen. That requires time. If you might need the money soon, it's the wrong fit.
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You can sit through a down year
Markets drop. Sometimes 20% or more, sometimes for longer than feels comfortable. If you can stay put without panicking and selling at the bottom, this portfolio is for you. If a 25% down year would cause you to sell, it's not.
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You want businesses, not bets
Not momentum plays. Not trending tickers. Individual companies selected for real competitive advantages. The kind that make it hard for a new competitor to take their customers. And that's the point.
You need income from your portfolio now, need the money in the next few years, or can't accept that your balance might be down significantly for an extended period. 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.
What to Expect
This portfolio will drop. Sometimes a lot. Read this before committing.
- Market risk Your portfolio value can decline and stay down for extended periods. That's not a worst-case scenario. It's 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.
Understanding these risks is part of deciding whether this portfolio fits your situation. If you can accept them and won't need this money for years, the trade-off may make sense for you. Only you can make that call.
One Fee. No Surprises.
1.20% per year. Fees are calculated on the average daily net liquidation value of your account and billed at the end of each quarter. Nothing else.
- 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
Three steps. Here's how it works.
Tell us about your goals
Reach out and we'll send a short questionnaire covering your timeline, how much loss you're comfortable with, and what this money is for. Growth assumes at least a five-year horizon.
We match you to a portfolio
Based on your answers, we recommend the model portfolio that fits your situation. If Growth isn't the right match, we'll tell you.
We manage it from there
Trading, monitoring, ongoing portfolio management. We handle the ongoing work. NarStar doesn't charge exit fees.
Terminable on 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?
Ask about long-term compounding, fees, or whether this portfolio fits your timeline. We reply within two business days.
- Reply within two business days.
- [email protected]
- (801) 251-6844
- Sandy, Utah