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Our Overriding Philosophy
Capital Markets Create Wealth
Judicious participation in global economic activity results in
substantial wealth creation when allowed to build over the long-term.
Our client's portfolios harness the power of global capital markets to
deliver inexpensive, tax-efficient, and consistent investment returns.
We predominantly use passive strategies that have historically
outperformed relevant commercial benchmarks.
Our investment philosophy is backed by 50 years of
empirical, academic research conducted by Nobel Laureates and other
great minds in the world of finance, not the speculation and hype for
which Wall Street is renowned. Our philosophy is anchored in modern
portfolio theory, the result of groundbreaking research that won the
Nobel Prize for economics in 1990. Modern portfolio theory, which
quantifies the way risk and return are related, is used by virtually
all institutional investors. It shows that the way different asset
classes are combined in a portfolio plays a crucial role in attaining a
desired investment return with minimum risk.
Research has shown that asset allocation accounts
for over 90% of the returns of a given portfolio, while market timing
and stock picking account for less than 9%. Further research has shown
that the internal expenses of a mutual fund can impact performance
significantly in the long run. We believe that using a diverse asset
allocation using passively-managed, low-cost, structured asset class
mutual funds is the best way to manage long-term portfolio performance
for a given level of risk. We tailor our investment strategy to the
needs and risk profile of each client. We also believe that rebalancing
a portfolio to maintain its target allocation enhances returns in the
long run. We will monitor your asset allocation each quarter and,
should the portfolio deviate significantly from the original
allocation, we automatically rebalance it for you. This instills a
disciplined approach to investing, where you are consistently buying
low and selling high as financial cycles change over time.
Our client service philosophy is simple – we work to serve your best
interests. We work for you in a fiduciary capacity. We obtain financial
compensation from our clients and no one else. We believe that being
independent and objective, and aligning our interests with those of our
clients, will result in mutual success for us and our clients.
Objectivity, integrity, and honesty are the cornerstones of our value
system. We strive to provide you with candid advice that is specific to
your needs and goals. We believe that our value system sets the
foundation for a trusted advisor-client relationship.
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