Investment Management
We believe in owning individual stocks and are classically trained in evaluating and buying them. We favor their ability unlike funds to offer more control over capital gains and losses, and, because of our long holding period, they tend to be cheaper than funds in the long run.
Building Your Investment Portfolio
We rely on the following principles, although each one has many layers of depth:
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Diversify
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Buy Quality
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Pay a fair price
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Be willing to hold for a long time
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When a stock drops, find the facts and then face the facts
Bond Laddering
A bond ladder spreads investment dollars among bonds that mature at various terms. Laddering bonds enables investors to reinvest assets periodically over time to help reduce the effect of interest-rate volatility in fixed-income portfolios. Bond laddering can be an effective strategy when purchasing bonds of staggered maturities to offset fluctuating interest rates, increase portfolio diversification, and fulfill specific funding requirements.
Mutual Fund Management
Things I think are important when considering a fund:
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Lower expense ratio’s
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Low turnover
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Managers tenure of at least 10 years
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Management that you can trust
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Managers that have been managing the fund for at least 10 years
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Consistently out-performs the relevant indexes over market cycles
