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Wealth Management


Markets Work
It is unlikely that an investor can consistently profit at the expense of others. In simple terms, it’s very hard to outguess markets.

Active Management
Over time, most managers fail to beat their benchmarks.

Market Timing
This requires an investor to know: 1) When to get in 2) When to get out 3) When to get back in. The frequency of correct decisions must be high enough to overcome the higher expected returns of stocks versus cash. The success rate required to beat a buy and hold strategy is unattainable for most investors.

All forms of active management require forecasting. Since markets adjust to new information quickly, trying to forecast market movements is futile. Typically, the result is higher costs and unnecessary risk.

Capital markets are noisy with lots of distractions. Investors must be disciplined and stick to a long term investment strategy to be able to capture market rates of return.

The most sensible way to potentially earn higher returns is by diversifying your portfolio into and across different geographical asset classes.

Fees Matter
High fees eat into returns. Passive forms of money management generally have lower fees, allowing you to keep more of your returns.


Assumed 6.5% Annualized Return over 30 Years
For illustrative purposes only.

ABOVE – Example (for Illustrative purposes only) — At an assumed 6.5% annualized return over 30 years, a $1 million investment with a 3% fee would yield $2,806,794. Whereas the same investment with a 1% fee would yield $4,983,951.