Putting Principles into Practice
The Principles that Guide Us
Faith in the future
Patience
Discipline
The Practices We Follow
Asset allocation
Diversification
Rebalancing
What’s Involved In Our Process
Your values help to define your goals.
The goals dictate the plan.
The plan dictates the asset allocation.
The asset allocation dictates diversification into the right kinds of investments.
Our Epiphanies
Why we follow these principles, practices, process and convictions:
1.
The average person lives 30 years into retirement. The time horizon must solve for this.
2.
Every year, something that you buy will cost more. We must avoid the erosion of purchasing power. Therefore, earning more on investments than the current rate of inflation is the only way to keep pace with expenses.
3.
Rising income investments are preferred to those that are fixed. Dividend income from stocks is a way to get income that may rise.