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We believe that investment returns are determined primarily by the
asset allocation of your portfolio – not individual stock selection or market
timing.
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The asset allocation appropriate for a particular investor is
determined by his or her personal risk profile and investment time horizon.
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A diversified portfolio includes international and small company
equities as distinct asset classes. It
also includes weightings to both growth and value investment styles.
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For long-term investors, we have a bias towards equity investments.
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We believe that for most investors, no-load and low-load mutual funds
are the most appropriate investment vehicles.
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We encourage an adequate cash reserve to help weather downturns in the
market.