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Our Investment Philosophy

When you are investing for up to a 30-year time horizon with a goal of not outliving your money, how you implement your portfolio is important. No matter what happens in the economy and in markets over that time—recessions, recoveries, bear or bull markets—your portfolio can be structured to provide you with income opportunities.

Asset Class Investing

You need an approach that you can believe in and understand, one based on research, analysis, and evidence—not luck or prognostication. Asset Class Investing is based on asset classes—groups of securities with similar risk characteristics.

Drawing on years of investing research, including the work of eleven Nobel laureates, Asset Class Investing pursues the known factors of return when constructing funds. These factors include size, value, and profitability. Investors—with the help of their financial advisors—need to decide how much exposure to these dimensions of return they are comfortable with, keeping in mind that the greater the expected long-term return, the greater the potential risk exposure.

The Benefits

Through asset class investing, we don't try to beat the market, but aim to capture the market's returns. We seek to maximize diversification and focus on keeping costs low in order to achieve greater potential returns. We focus on diversification and tax efficiency.


  • Low overall costs
  • Tax efficiency
  • Global diversification
  • Consistent risk exposure to an asset class
  • Long-term performance that can potentially
    outperform index returns

Because you can't control the market, you need a plan that can give you the potential of achieving your long-term goals. We believe the way to do this is by using Asset Class Investing, along with the guidance and experience of a dedicated financial advisor.

*Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Past performance is no guarantee of future results.

Are you confident in your investments?

Are you confident in your investments?

Our second opinion service offers a comprehensive and enlightening analysis of your overall investment health.