Proper asset allocation, robust diversification, and disciplined rebalancing — driven by evidence-based research — are the most reliable tools to build long-term investing success.
Formulating investment decisions around predictions about the market’s current level or its recent performance is a form of market timing that, we believe, will result in a poor investment experience over the long term. Not only is it extremely difficult to do, timing the market — whether speculating on the right time to get in or get out or following the latest investment fad — also can be costly.
At Shone Wealth Management, our investment philosophy is an extension of our personal approach to financial services. We custom-build a portfolio from an investment allocation that perfectly suits your needs and goals, using low-cost, tax-efficient structures. Ongoing review and counsel help you make the most of your assets while building financial security.
Early retirement options, estate settlements, retirement planning: While every client need is different, we employ the same proven, consultative process to get results.
When analyzing mutual funds, Shone Wealth Management operates according to what we call “the five ‘P’s’”: Process, Performance, People, Parent, and Price.
Once we’ve analyzed The Five P’s, our due diligence continues. Managers may come and go, a mutual fund’s performance may be below expectations, and the parent company may fall on hard times. That’s why we continuously monitor for circumstances that could ultimately lead to replacing a fund.
Our Investment Committee meets on a quarterly basis specifically to identify these circumstances. If we are in the process of vetting a new fund, we discuss how the fund will work holistically with the other funds in our portfolio.
We also employ scenario-testing to see how the portfolio could possibly react in a potential bear market, a rising or falling rate environment, a market crash like 2008, and other potential scenarios. Knowing how a portfolio could react in certain economic and market climates is critical to its overall success. Still, surprises can happen. Our disciplined vetting approach and dedicated team greatly reduce that risk.
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