It has been our experience that investment success is usually determined through an unwavering and disciplined commitment to a set of clearly defined investment principles. Collectively, these principles define our investment policy:

  • Investments are a tool. Your investments are a tool to help you pursue your life's dreams and goals.
  • Diversify. Diversify. Diversify. Billion-dollar pension plans use diversification to help reduce risk and enhance potential returns—and so can you.
  • Do not invest with your emotions. A rational and disciplined investment management approach—not emotion—should govern investment management decisions. We will help you stay the course when “greed and fear” are running high.
  • Keep performance in perspective. The true measure of success is whether or not your investment portfolio is on track to target your needs and objectives.
  • Think long-term. Superior returns over the long term are the results of your long-term asset allocation. Chasing “hot investments” in the short term inevitably leads to poor long-term portfolio returns. Not losing sight of your long-term goals will help you ride out the inevitable short-term market fluctuations.
  • Seek to “minimize risk” while “maximizing returns.” Asset allocation and “style” diversification can be effective means to minimizing risk while maximizing returns.

Asset allocation and diversification does not assure a profit or protect against a loss in declining markets.