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Investment Approach

Step Three

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Investment Approach—Process

Step Three—Determine Asset Allocation

Within the broad asset allocation of our clients’ investment strategy, we identify the combination of asset classes expected to generate the highest rate of return while attempting to avoid short-term declines in value that exceed the identified risk threshold.

Strategic Asset Allocation

We begin by identifying a target mix of investments based on your return objectives, ability and willingness to accept declines in value, time horizon, cash flow requirements and any other relevant circumstances. This target mix of assets could also be described as the strategic asset allocation. The strategic asset allocation is adhered to when we have not identified any longer-term valuation discrepancies between asset classes.

Tactical Asset Allocation

We will make tactical changes to the strategic asset allocation when we identify longer-term valuation discrepancies between asset classes. These changes are implemented only when we have a high level of confidence that they will either increase return without increasing risk or lower risk without sacrificing return.
Prior to making tactical changes we analyze a range of economic scenarios to assess the potential impact of any tactical decision on overall portfolio risk.

Below is a chart showing the recent historical Tactical Asset Class Allocations for our Balanced Portfolio Strategy:

Tactical Asset Allocation Chart