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We Manage To Each Client's Real Life Investment Goals Within Risk Tolerance

"The essense of investment is management of risk, not management of return"
           ... Benjamin Graham

38 year stock bond allocation returns history

We manage to individual client goals and limits, not to hypothetical or institutional benchmarks. We seek client specific adequate total return and required income within tolerable risk.

We are also mindful that the most important decsion is the allocation between major asset classes, with security selection within reasonable bounds being important but of secondary importance to major asset class allocation. Therefore, we begin each client relationship, and regularly review with our clients, their comfort level with expected returns and risk levels.

The two most important asset classes, other than cash, are bonds and stocks. Therefore, we begin our portolio design process by helping our clients find their comfort level with the relationship between risk and return, by studying data like that shown in the tables above and below. They pressent several decades of return and risk results from 11 allocations between US bonds and US stocks.

stock bond allocation returns over various periods

stock bond allocation returns over past 7 calendar years

Click here to see these allocations stress tested under hypothetical extreme condtions (under "crash tests").

Portfolio Income and Real Income Growth Is another key goal setting and risk area -- the risk being portfolio income not keeping up with inflation.

Click here to see income of the 11 generic portfolio allocations, and the expected rate of income growth for each, and the real growth rate for each.

 

 

The Harder You Look, The Better We Look

Rely on us to help you evaluate, design and manage your portfolio and investment risks in a way that is appropriate for you, at a fair and affordable cost.

If you seek Quality, Value and Management in your investments and your advisors ... rely on us.
Contact Us Now.

 

This dynamic table will help you keep abreast of performance by general asset categories. It is updated weekly.

General Assets Categories
   Returns Through Week Beginning Sep 15, 2014
DescriptionSymbol1 Wk4 Wks13 Wks26 Wks52 Wks
Stocks: USVTI0.87%0.94%2.19%2.19%2.19%
Stocks: DM Non-USVEA-0.15%-1.04%-3.97%-3.97%-3.97%
Stocks: EMVWO-0.66%-2.27%1.81%1.81%1.81%
Bonds: ST CorporateVCSH0.09%-0.17%0.08%0.08%0.08%
Bonds: IT CorporateVCIT0.11%-0.95%0.40%0.40%0.40%
Bonds: LT CorporateVCLT0.60%-1.81%1.24%1.24%1.24%
GoldGLD-1.09%-4.95%-7.44%-7.44%-7.44%
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Click here to see multiple rolling year returns and calendar year returns for key asset categories.

See our weekly updated short-term tables for various stock/bond allocations: 90/10; 70/30; 50/50; 30/70 and 10/90.

Click here for allocation tables.

See other useful weekly updated returns tables: