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Philosophy Services About Us |
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Our Philosophy |
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Recognizing investment risks – loss of capital, loss of purchasing power, lack of liquidity, and changing interest rates – is just as important as uncovering investment opportunities. It is essential to strike the appropriate balance in portfolio design to meet your performance expectations without making you uncomfortable or jeopardizing assets you cannot afford to lose. Allocation of Assets Long term investment success is primarily a function of proper asset allocation. The allocation of your portfolio should provide for your cash flow needs and offer a combination of capital appreciation and income that is consistent with your individual circumstances. Proper asset allocation serves as the first line of defense in protecting your investment portfolio. We may consider non-traditional assets, when appropriate, to reduce portfolio risk and enhance returns. Total Return We focus on total return – income and capital appreciation, when managing your investment portfolio. Consideration is given to the relative tax efficiency of particular investments in the selection and maintenance of them in investment portfolios. Funds required to meet your current and ongoing cash flow needs may be generated by using a combination of investment income and sales of appreciated portfolio assets. Economic Considerations We monitor current and anticipated economic conditions so that we may direct your investment assets into areas where future capital appreciation is anticipated, or into investments designed to protect your invested capital when appropriate. Diversification Portfolio diversification is essential for balancing your investment risks in our changing economy. Diversification goes beyond merely security selection to asset allocation, country exposure, investment style and asset maturity to name a few. Discipline Investment management requires discipline, both from us and you for consistent results. Spontaneous or ill-conceived decisions can defeat a well designed investment program. Income Tax Considerations Maximum economic benefit should be the primary criterion when making investment decisions. Income tax planning and ongoing tax reduction strategies are far superior to specious tax-lowering investment schemes.
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