We are on a mission to help save the world one investor at a time. SmartPlan follows the beliefs and philosophy that “Free Markets Work”.
By using the SmartPlan tools that are built into our portfolios, clients can reduce volatility while increasing their expected returns. A SmartPlan Investing portfolio is built with Institutional Funds, Asset Class Diversification and maintains Low Turnover.
We are a fee-only, Registered Investment Advisory Firm who’s objective is to do what is in the best interest of our clients, not just what is suitable.
We follow some basic rules to investing. Some investors might not even know they, or their money manager, are breaking these rules, do you?
1) Own Equities
Meaning own stock in companies. See our presentation “Who wants to be a millionaire”?
2) Diversify Globally
About half of the world capitalization is outside of the U.S. o you think it’s important to capture these global premiums?
This means to keep a portfolio in alignment with what was agreed upon, the stocks vs. fixed income portions in the portfolio.
4) Do Not Stock Pick
Stock Picking, Fund Picking or even trying to pick the best preforming Asset Class from year to year does not work because markets are random. Diversification is a huge factor in reducing risk and maximizing returns. Simply owning a lot of Stocks or Mutual Funds does not equal diversification. You need to own different Asset Classes that do not move in tandem.
5) Do Not Time The Market
Often times investors will try to get out of the market when it is down or when they think it is going down and get back in when it is going up or when they think they know the best time to get back in. Fact is, they have to be right twice, getting out and getting back in. Statistics show that those who try to time the market versus staying put reduce the return on their money by simply breaking the #1 rule of investing – Buy Low, Sell High. By market timing they naturally do the opposite.
6) Do Not Look at Past Performance
I am sure you can recall hearing this at the end of several investment commercials or remember reading it on a prospectus. “Past performance is not a indicator of future results.” Why would you think they are required to state this? Because it is true. You can not predict future results by looking at the past performance of a stock, fund, or money manager.
Now ask yourself, are you breaking these rules of investing? If so, you need to learn more about the SmartPlan Philosophy.
Don’t wait another day to find out how the Really Smart Money Invests. Contact us today.