1. Determining the clients’ suitable Asset Allocation is primary.
2. All investments should generate cash flow/income to yield a total return.
3. Have some cash available to take advantage of opportunities the
market presents and rebalance the portfolio on a regular basis or as
market conditions dictate.
4. Outsource U.S. and International investments to managed money vehicles.
5. Patience is required to achieve above average long-term returns.
6. Tax Efficiency via Asset Location: As much as possible, maintain
interest income investments in tax-sheltered accounts and capital
gains investments in non-registered accounts.
7. In order to reduce risk and enhance returns, we will diversify
our clients’ portfolios by Asset Class, Market Capitalization, Sector,
Geography and Style; Value & Growth.
8. Invest on a regular systematic basis to reduce clients’ average
cost base and enhance return over time.
9. Keeping our client’s costs fair and reasonable should translate
into an above average long-term return.