Know where you’re going and how you plan to get there. As a first step in the investment process we set the goals with the investors, define the risk tolerances, outline asset allocation plans, and capture other key investment considerations in a detailed document known as an Investment Policy Statement (IPS).
As we work together, we will consider the following:
- Long term goals.
- Short term goals.
- How much risk can the investor tolerate?
- How many years are available to achieve the goals?
- What tax issues will need to be addressed in the investment plan?
Take Advantage of Four Diverse Strategies:
Traditional asset allocation offers an active management style based on longer-term views of capital markets.
- Multi-Manager & Single Manager
- Stocks & Bonds
- Domestic & International
Tactical asset allocation offers an active management style based on shorter-term views of capital markets.
- Active Asset Allocation Management
- Traditional Asset Classes
Quantitative asset allocation offers a disciplined, quantitative approach to portfolio management.
- Defined Mathematical Models
- Market Index-Based
- Removes Human Emotion from Process
Alternative asset allocation offers concepts used by some university endowment fund managers.
- Traditional & Non-Traditional Asset Classes (Domestic/Global Real Estate, Emerging Markets Debt, TIPS, Currency)
- Absolute Return Focus
- Long & Short Positions
Investing in alternative investments may not be suitable for all investors and involves special risks such as risks associated with leveraging the investment, potential adverse market forces, regulatory changes, potential illiquidity. There is no assurance that the investment objective will be attained. International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors.
Asset allocation does not ensure a profit or protect against a loss.
Stock investing involves risk including loss of principal.
Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.
Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.
Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained.
Treasury inflation-protected securities (TIPS) help eliminate inflation risk to your portfolio as the principal is adjusted semiannually for inflation based on the Consumer Price Index - while providing a real rate of return guaranteed by the U.S. Government.
Investment Manager Selection
Selecting the managers for the investment portfolio is a key process. At The Retirement Wealth Management Group, we use the five Ps of manager selection when choosing investment managers for your portfolio. The five important things to consider are:
People. We take a close look at the length and type of experience the firm brings to your investments. Generally it’s good to find managers who have been through market changes and are prepared to face up to the challenges ahead.
Philosophy. We consider how well they articulate their investment approach. Remember, clarity counts when someone is running your investments.
Process. We look closely at the steps they take in managing your money on a day-to-day basis. You want to know how they make decisions.
Portfolio. How well do they execute on their philosophy and process, and are the securities they select and their allocations consistent with what they said they would do.
Performance. Look beyond short-term performance numbers to see what kind of returns they have achieved over the long term, through different market conditions and in relation to their peers.
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