Narstar
Compare four model portfolios
Narstar is a fee-only fiduciary adviser managing four model portfolios. Income focuses on cash flow. Trend follows price-trend rules using exchange-traded products and can lose money when trends reverse. Growth focuses on long-term compounding. Speculative seeks higher returns while accepting that a position can lose its full value. All four can lose principal. Rates below apply to single-model taxable accounts; retirement and multi-model taxable accounts use 1.00% on the whole account including cash.
The four model portfolios
Income
Cash flow from dividendsDividend-paying stocks selected individually for cash flow.
Primary risk: Dividend cuts and sector concentration. Principal can be lost.
Trend
Follows price trendsPrice-trend selection and historical-volatility screening, with short-term Treasury exposure for unfilled allocations.
Primary risk: Unexpected losses from delayed signals or sudden trend reversals.
Growth
Long-term compoundingIndividual companies selected for durable competitive advantages and held for years.
Primary risk: Market declines, concentration, and extended underperformance.
Speculative
Higher risk, longer horizonConcentrated, higher-volatility positions in smaller companies that seek higher returns and can lose their full value.
Primary risk: Sharp declines of 30% or more and company failure. Not appropriate for all investors.
Which portfolio fits your goal?
Swipe or use the arrow keys to compare all four portfolios.
| Feature | Income | Trend | Growth | Speculative |
|---|---|---|---|---|
| Best fit | Retired, near retirement, or wanting income while you stay invested | Seeking broad-market-like equity returns with lower volatility as an objective, not a guarantee | 3+ year horizon and patience to hold through declines | Can handle sharp drops and understand positions can lose their full value |
| Approach | Dividend-paying stocks and cash equivalents, selected individually for cash flow | Price-trend and volatility screens, with short-term Treasury funds for unfilled allocations. | Individual companies with durable competitive advantages, held for long-term compounding | Concentrated, higher-volatility positions (small-cap, thematic, select emerging markets) that seek higher returns and can lose their full value |
| Timeline | Flexible | 1+ years, depending on your needs | 3+ years | 5+ years |
| Primary risk | Dividend cuts and sector concentration. Principal can be lost | Losses from trend reversals; daily-reset and product-specific risks | Market declines, concentration, and extended underperformance | Company failure and sharp declines of 30% or more |
| Annual fee for single-model taxable accounts | 0.60% | 1.00% | 1.20% | 1.60% |
| Explore | Explore Income portfolio | Explore Trend portfolio | Explore Growth portfolio | Explore Speculative portfolio |
Trend’s objective is broad-market-like equity returns with lower volatility; returns and lower volatility are not guaranteed. Trend can suffer sudden and significant losses, and some products it may hold can lose their entire value. It requires a fit review with us and separate trading approval from Interactive Brokers.
Not sure which portfolio fits? Ask a question.
Published rates. No setup fee, no exit fee.
These are estimates. Your real fee is based on your account's average daily value and is charged every three months, after the period ends. Interactive Brokers may charge its own fees. SIMPLE IRA participant accounts have no minimum. The slider stops at $250,000, its display ceiling, but there is no account maximum. This estimate does not decide which portfolio fits you or whether you qualify. Full fee terms.
Uniform account rate
All retirement accounts (Traditional, Roth, Rollover, SEP, SIMPLE, and inherited IRAs) and taxable accounts with two or more model portfolios pay 1.00% annually on the whole account, including cash. The model rates apply to single-portfolio taxable accounts. See fee terms and exceptions.
Account minimum
$3,000 per account. SIMPLE IRA participant accounts have no minimum. See minimums and allocation rules.
What happens after you ask a question
A conversation, a recommendation, then account management.
You tell us the goal
Share your timeline, what the money is for, and how you think about risk. You can stop at any step.
We recommend a portfolio
We match you to one model portfolio or a combination. If none fits, we'll say so.
We manage the account
You open an account at Interactive Brokers in your name. We trade it for you without asking first each time. You can end the agreement anytime in writing. There's no exit fee. When you leave, we normally sell your holdings to cash, which can create a tax bill.
Common questions
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You can ask to change portfolios in writing at any time. We make the change only if the new portfolio fits you and meets the minimum allocation rules in your advisory agreement. Trend also requires separate trading approval from Interactive Brokers. A change can alter your advisory fee. You can end the agreement anytime in writing. There's no exit fee. When you leave, we normally sell your holdings to cash, which can create a tax bill.
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Fees are calculated on the average daily net liquidation value of your account and billed at the end of each quarter. The custodian deducts the fee directly from your account and sends a fee notice for each deduction. It also appears on your account statement. You do not receive a separate bill to pay.
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Individual and joint taxable accounts; Traditional, Roth, Rollover, SEP, and inherited IRAs; employer-sponsored SIMPLE IRA participant accounts; trust accounts; and business or other entity accounts. All held at Interactive Brokers.
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Yes. All four portfolios can lose principal. Income carries normal stock market risk, and dividends can be cut. Trend can lose money when signals are delayed or false, when trends reverse suddenly, or when prices move sideways. Its complex products carry their own risks, including sudden losses and, for exchange-traded notes, a total loss if the issuer defaults. Growth carries normal stock market risk, including long periods of underperformance. The Speculative Portfolio is more concentrated in smaller companies and can decline sharply, including 30%, 40%, or more.
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Yes. A taxable or retirement account can hold more than one model portfolio, if each one fits you and starts with the minimum amount the advisory agreement sets. A taxable account with one model portfolio pays 0.60% annually for Income, 1.00% for Trend, 1.20% for Growth, or 1.60% for Speculative. Taxable accounts with two or more model portfolios and all retirement accounts, including inherited IRAs, use a uniform 1.00% annual rate on the whole account, including cash. See the FAQ for allocation and account exceptions.
Have a question about a portfolio?
Tell us your goal and timeline. We'll help you find the right fit.
- [email protected]
- (801) 251‑6844
- Sandy, Utah