Financial Planners
Our investment philosophy is built on the premise that short – term market moves are impossible to predict with consistency. We implement our investment models using low – cost mutual funds and exchange traded funds based on long – term factors that drive success. We do not believe in timing the market or attempting to predict or guess the next market move.
Short – term market movements are unpredictable
Markets are generally efficient, reacting to news almost instantly
Risk and return are related – the more risk in a portfolio, the higher the expected future return
It is important to take the right risks that result in higher return over time and avoid those that can be removed by diversification
Asset allocation, how a portfolio is divided between stocks and bonds, is the number one determiner of long – term outcomes
Portfolios should be diversified across global markets
Rebalancing a portfolio controls risk and keeps the asset allocation in line with expectations
Expenses are important and reducing them helps drive success
Taxes matter and portfolios should be managed efficiently to avoid unnecessary tax bills
Asset allocation should be weighted using long – term factors for success
Strategies should be kept simple – complexity does not necessarily improve performance
It is essential to focus on long – term success and remain invested
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