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Investment Approach

Philosophy

Not FDIC Insured
No Bank Guaranty
May Lose Value

in a higher level of diversification than many other investment managers.
that not only is it important to diversify among individual companies, industry sectors and maturities, but it is equally important to diversify among different asset classes and use multiple managers.
that the investment markets are generally efficient—meaning that current prices accurately reflect the value of the underlying securities. However, we also believe that many investors make decisions based on emotions rather than thoughtful analysis. The emotional nature of investing creates temporary inefficiencies and opportunities.
that long-term investment returns can be enhanced and risk reduced through the use of tactical asset allocation—making changes in the amounts invested within the different asset classes based on relative valuations.
that no one organization has a monopoly on the best research capabilities or the most talented money managers and therefore use multiple managers from several different firms.
in avoiding any potential conflicts of interest. We have no affiliations with, nor receive any payments from, investment managers that we hire. This enables us to independently and objectively choose the best managers from a universe of over 10,000 available funds.
that active management can result in long-term returns that exceed those of market indices, but only when there is a disciplined research process that evaluates both quantitative and qualitative aspects of managers.