Investment Portfolio Management

Our model of investing is based not on speculation but on the science of capital markets.  Our portfolios are not available through ordinary brokerage firms or financial planners, financial advisors, or investment advisors.  These portfolios are used by some of the nation’s largest institutional investors, putting you alongside many of the nation’s biggest and best-run organizations.  Institutional investing typically requires huge amounts of money – typically $20 million or more.  That’s why ordinary consumers can’t buy the outstanding investments that institutions use.  You can’t even get them from the big brokerage firms.

Now, these institutional portfolios are available to you through our network, without you having to invest millions.  We give you access to the same institutional shares used by many of the nation’s biggest pension funds, endowments and institutional investors.

Rebalancing
Even the best designed portfolio needs attention.  Otherwise a carefully allocated portfolio will drift due to varying performances of the portfolio’s underlying investments.  That’s why every portfolio is examined on a daily basis: to identify opportunities for rebalancing.  Once the need is identified, our portfolios will be rebalanced automatically.  This helps manage your risks and your performance.  There is no additional fee for this services – it’s all part of your experience; no additional fee and never any commissions.

Income & Growth Portfolio
This objective is to minimize capital fluctuations while attempting to deliver a rate of return in excess of inflation as measured by the consumer price index (C.P.I.).  The choice of this objective indicates a realization that the clients’ portfolio must stay ahead of inflation to make any real gains.  While this approach will provide the least amount of capital fluctuation, the possibility of negative returns is reduced.  This approach does imply a substantial reduction of capital growth when compared to the stock market.  This objective fits with a time horizon of less than three years.

Balanced Growth Portfolio
This objective has two purposes:  to preserve capital and to obtain capital growth.  Choosing this objective for your investments indicates a need for balance between capital preservation and long term growth.  This objective will result in choosing more stable and less volatile investment strategies than with the choice of a long term growth investment objective.  Inherent in this position is that the earning potential of your investment will be less than growth or aggressive, but this objective should also be less volatile over time while earning a premium above short-term rates.  To achieve these returns, no less than a full market cycle of three to five years is required.

Long-Term Growth Portfolio
This objective provides a reasonable high rate of growth without the full degree of risk usually found in the stock market.  The primary goal is long-term capital growth while the secondary goal is preservation of capital.  In order to achieve long-term capital growth, greater volatility, including the risk of negative returns, will be encountered than with the choice of a conservative or moderate objective.  This objective does not, however expose investors to the full capital risk of the stock market.  Returns will not compare with the stock market on year to year basis but should be less volatile than stock market returns.  Six to nine years may be required to achieve this objective.

Aggressive Growth Portfolio
Since capital growth is the only goal in this objective, the investor must also accept the high degree of risk inherent in the stock market.  This objective provides the greatest growth potential of the four and exposes the client to the greatest degree of volatility.  Management will focus the investment in equity funds to help produce better long-term returns.  This is a long-term investment strategy of at least ten years.