Below you'll find information about our core investment strategies. Prior to opening an account, we'll meet with you to fully assess your objectives and help find the best investment management plan for you.
Client portfolios are classified as Aggressive, Moderately Aggressive, Conservative, Stable or Permanent Portfolio. In addition, a portfolio may be customized to meet the unique requirements of a client. Clients are assigned to one of the classifications based on their attitudes about risk, capacity for loss, investment horizon and need for capital appreciation or income. We also carefully consider tax implications when appropriate.
Aggressive portfolios have a significant weighting in stocks but the portfolio may also contain gold, bonds and cash when appropriate. These portfolios will contain a mix of small to large company stocks and the investments may be U.S. or foreign. The goal of aggressive portfolios is to generate capital appreciation.
Ideal for: Investor in their 20s or 30s or investors with a high-degree of risk tolerance.
Moderately Aggressive portfolios have a significant weighting in stocks but there will usually be less stock exposure relative to Aggressive portfolios (see above). Moderately Aggressive portfolios will also be invested in bonds, along with gold and cash when appropriate. However, the majority of the portfolio will be invested in stocks. The goal of the Moderately Aggressive portfolio is capital appreciation with more stable returns than the Aggressive portfolio.
Ideal for: Investor with five to 15 years to retirement or younger investors will less tolerance for risk.
Conservative portfolios consists of a blend of stocks and bonds, with a greater weighting toward bonds relative to the Aggressive or Moderately Aggressive portfolios. Normally, the proportion of stocks and bonds will be roughly equal. Conservative portfolios will also invest in gold and cash when appropriate. The objective of this investment strategy is a stable return, income generation and a lower likelihood of a significant drop in the value of the portfolio.
Ideal for: Investors with five or less years to retirement.
Stable portfolios have a significant weighting in bonds and will normally have a relatively small allocation toward stocks. Bonds will make up at least 50% of the portfolio and any stocks owned will be large companies that pay a substantial dividend. A small allocation to gold may be included as a hedge against inflation or currency turmoil.
Ideal for: Investors who want the least amount of risk.
Equity income portfolios have a significant weighting in stocks (at least 80%). All stocks owned pay a substantial dividend and have shown a commitment to increase their dividend over time. We feel this is a much better way to derive income compared to a fixed annuity.
Ideal for: Investors who seek income from their portfolio and are willing to accept the higher volatility that comes with investing in stocks.
The Permanent Portfolio consists of an equal investment in gold, bonds, stocks and cash. The Permanent Portfolio has a long, 38-year history of stable returns averaging 9% per year. Moreover, the Permanent Portfolio has only had a negative return three times over the past 38 years, the worst being a -7.1% drop in 2008, when the S&P 500 fell 37%. However, past performance is not a guarantee of future results.
Ideal for: Investors seeking stable returns and a reduced risk of capital loss.
Custom portfolios may also be created to address unique client needs.