Our Key Tenets
Achieving long-term investment success is not easy. It doesn't just happen and it's too important to just leave it to chance. It requires a well thought out plan and the discipline to stick to the plan through the inevitable ups and downs of the market. Here are key tenets of our investment philosophy:
1) We take a long-term approach:
Successful investors understand that markets are volatile and that short-term fluctuations are normal. We help you develop a sound long-term investment strategy and maintain the discipline to stick to it and avoid emotional decisions during periods of market turbulence to achieve long-term success.
2) We align your portfolio to your goals, time horizon, and risk tolerance:
Much of the long-term expected return and risk of a portfolio is determined by the mix of asset classes such as stocks and bonds that comprise it. We make sure your portfolio's asset mix lines up with your needs.
3) We diversify your investments:
Diversification has been called the only free lunch in investing. Spreading investments across different asset classes (such as stocks, bonds, real estate, etc.) reduces overall risk. We diversify your investments to help mitigate the impact of poor performance in any single investment and enhance long-term returns.
4) We partner with leading institutional money managers to execute your strategy.
There are thousands upon thousands of investment managers. Mutual funds, ETFs, hedge funds, private investments, etc. Some good and many that are not. How do you separate the wheat from the chaff? We have decades of experience researching and due diligencing investment managers and strategies. We put that experience to work for you carefully selecting the funds and managers to diligently execute your investment strategy.
5) We strive to keep your expenses low.
There are a lot of unknowns and things you can't control in investing. No one knows and no one can control how the market will perform next week, next month or next year. But we can know and control manager expenses. And we strive to keep those low so that you keep more of what your investments earn.
6) We continue to learn and adapt your portfolio.
Markets evolve, economies change, and new investment opportunities arise. We stay informed and we adapt our investment strategies accordingly. We continuously learn about the investment markets and opportunities and optimize your portfolios over time to take advantage of opportunities and reduce unnecessary risks.
7) We invest our money alongside you.
We believe in eating our own cooking. The investment strategies in Pandowealth's 401(k) for its team members are the same investment strategies we utilize with our clients. After all, if we don't believe in these investment strategies, why should you?