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Our Process

Our Process is to: Design, Build, Protect your portfolio.

Instead of trying to beat the market, let the long-term growth potential of markets around the world work for you. Over time, stocks have significantly outperformed inflation, as well as bonds. Yet most active money managers have consistently failed to outperform. This is why we use strategic asset class investments, which let markets work for you by focusing on delivering market returns.

Financial science gives us the knowledge and tools to address the “investment problem”. Portfolios are built with focused exposure to key “factors” of returns, such as company size, relative price, profitability and momentum. This factor exposure largely determines a portfolio’s risk and return. We can then recommend how much exposure to these factors is right for you.

A long-term perspective is one of the most important ingredients in portfolio success. But the powerful emotions we experience when markets move up and down can get in our way. That’s why we incorporate the latest behavioral research to help you make better decisions and stay on track. We also rebalance your portfolio periodically to keep it aligned with your goals.

There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. No investment strategy, such as asset allocation, can guarantee a profit or protect against loss in periods of declining values.  Investing involves risks including the potential loss of principal. International investing involves additional risks including risks associated to foreign currency, limited liquidity, government regulation, and the possibility of substantial volatility due to adverse political, economic and other developments. The two main risks associated with fixed income investing are interest rate and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risks refers to the possibility that the issuer of the bond will not be able to make principal and interest payments. Investments in commodities may entail significant risks and can be significantly affected by events such as variations in the commodities markets, weather, disease, embargoes, international, political, and economic developments, the success of exploration projects, tax and other government regulations, as well as other factors. Indexes are unmanaged and investors are not able to invest directly into any index. Past performance is no guarantee of future results. Please note that individual situations can vary.  


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