Narstar
Compare three individual-stock model portfolios
Narstar is a fee-only fiduciary adviser managing three model portfolios. Income focuses on cash flow, Growth on long-term compounding, and Speculative seeks higher returns while accepting that a position can lose its full value. All three can lose principal.
The three 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.
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 horizonA small, concentrated group of higher-volatility positions 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 three portfolios.
| Feature | Income | Growth | Speculative |
|---|---|---|---|
| Best fit | Retired, near retirement, or wanting income while you stay invested | 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 | Individual companies with durable competitive advantages, held for long-term compounding | Small number of higher-volatility positions (small-cap, thematic, select emerging markets) that seek higher returns and can lose their full value |
| Timeline | Flexible | 3+ years | 5+ years |
| Primary risk | Dividend cuts and sector concentration. Principal can be lost | Market declines, concentration, and extended underperformance | Company failure and sharp declines of 30% or more |
| Annual fee | 0.60% | 1.20% | 1.60% |
| Explore | Explore Income portfolio | Explore Growth portfolio | Explore Speculative portfolio |
Not sure which portfolio fits? Ask a question.
One published rate. No tiers, no setup fee, no exit fee.
Fee calculated on average daily net liquidation value, billed quarterly in arrears. Your brokerage (Interactive Brokers) may charge its own separate fees.
Have an IRA?
Traditional, Roth, Rollover, SEP, and SIMPLE IRAs are billed at the uniform 1.00% rate, not the three rates above, no matter which portfolios the account holds. A single IRA can hold more than one model portfolio at that same rate.
Have less than $3,000?
A new client may open one $100 Starter Account in a single model portfolio. It must reach $3,000 by the last day of the sixth calendar month after opening. SIMPLE IRA participant accounts have a $0 minimum and are not eligible for the Starter Account. See full details.
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 handle trading through discretionary management. You can leave with written notice and no termination penalty.
Common questions
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Yes. You can move to a different portfolio at any time. There's no exit fee and no lock-in of any kind.
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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. Deducted directly from your account, so you never get an invoice.
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Individual, joint, IRA (Traditional, Roth, Rollover, SEP), employer-sponsored SIMPLE IRA participant accounts, trust, and entity accounts. All held at Interactive Brokers.
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Yes. All three portfolios hold stocks, which means account values can fall as well as rise. Income and Growth carry normal stock market risk. The Speculative Portfolio is more concentrated in smaller companies and can decline sharply, including 30%, 40%, or more.
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Yes, and how depends on the account. A non-retirement account holds one model portfolio, so a mix means more than one account. A single Traditional, Roth, or SEP IRA can hold more than one model portfolio, billed at the uniform 1.00% rate either way. The $100 Starter Account holds one model portfolio only.
Have a question about a portfolio?
Tell us your goal and timeline. We'll help you find the right fit.
- pavel@narstar.capital
- (801) 251‑6844
- Sandy, Utah