Our Investment Philosophy

Three Tenets of Our Investment Philosophy
Manage the valleys…the peaks will come!

Make sure portfolios are designed to prosper during “Sailing” environments (Bull Markets) and withstand “Rowing” environments (Bear Markets).

Adopt the Household Endowment Model by combining traditional asset allocation with product diversification.

Investors can no longer necessarily rely on traditional strategies to pursue their financial goals. The current market environment poses new hurdles for investors: unprecedented volatility, economic forces putting pressure on equity markets, the prospect of a resurgence in inflation and rising interest rates, all compounded by unfavorable demographic trends for most of the developed world. In short, to paraphrase an old saying, in today’s investment landscape, the only certainty is that nothing is certain.

As a result, traditional diversification may not be as effective as it once was in serving investors’ needs. However, the concept of choosing investments based on how they correlate with one another—how their prices change in relation to each other—is still an integral part of investing. But asset class diversification alone may not get the job done, especially in times of crisis.

Diversification and asset allocation do not guarantee a profit nor protect against loss in a declining market. They are methods used to help manage risk.