Our Investment Approach

“Investing should be like watching paint dry or grass grow. If you want excitement…go to Las Vegas.”

Paul Samuelson (American Economist and Nobel Prize Winner)

1 – LET MARKETS WORK FOR YOU

The market is an effective information processing machine. Millions of participants buy and sell securities in the world markets every day, and the real-time information they bring helps set prices.

2 –INVEST, DON’T SPECULATE

Over time, only a small fraction of money managers outperform the market after fees, and it is difficult to identify them in advance.

3 – TAKE A LONG TERM APPROACH

The financial markets have rewarded long-term investors. People expect a positive return on the capital they supply, and historically, the equity and bond markets have provided growth of wealth that has more than offset inflation.

4 – CONSIDER WHAT DRIVES RETURN

Academic research has identified these equity and fixed income drivers, which point to differences in expected returns. These drivers are pervasive, persistent, and robust and can be pursued in cost-effective portfolios.

5 – PRACTICE SMART DIVERSIFICATION

It is not just about diversifying by security. Deeper diversification involves geographic and asset class diversity. Holding a global portfolio helps to lower concentration in individual securities and increase diversification.

6– AVOID MARKET TIMING

You never know which market segments will outperform from year to year. By holding a globally diversified portfolio, investors are well positioned to capture returns wherever they occur.

7 – BE MINDFUL OF EMOTIONS

When investing it is important to be mindful of your emotions. Markets go up and down. Reacting to current market conditions based on emotion may lead to making poor investment decisions at the worst times.

8 – IGNORE THE NOISE AND LOOK BEYOND HEADLINES

Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the future while others tempt you to chase the latest investment fad. When tested, consider the source and maintain a long-term perspective.

9 – KEEP COSTS LOW

Over long time periods, high costs can drag down wealth accumulation in a portfolio. Costs to consider include: Management fees, fund expenses and taxes.

Our investment approach

10 – FOCUS ON WHAT YOU CAN CONTROL

We partner with our clients to create a plan tailored to your personal financial needs while helping you focus on actions that add value. This can lead to a better investment experience.

Focus on what to control