Investment Philosophy




Three Principles of Investment Philosophy

The world of investing seems to get more and more difficult. There is confusion among strategies, debates about types of management and what types of sectors to be in.

You may ask, which way should I go, and who can I trust? We are going to try to decipher all of the investment minutia available today.

To make it simplified, we believe “Wall Street” wants to keep average investors in the dark.

Our goal is to create an “Investment Philosophy” plan to stick with.  This article was written to give you hope with your portfolio.

Before we begin I have a question for you,
Have you ever worried about:
•  Maintaining your standard of living in retirement?
•  The next market crash?
•  Getting high enough returns on your investments?
•  Making sense of all the investment information available?
•  Knowing what makes up your investments and what are the risks?

These are real questions that bother us and keep us up at night, especially as we get closer to retirement, we call this “Investors Dilemma”

Dilemma is:
Fear of the Future –
•  How much to save
•  Not enough in savings
•  My standard of living
•  Unexpected expenses


Market Performance
Performance loss means investors fail to capture the returns they expect.

Investor performance does not mean market performance.

Because of this– reaching financial goals decrease thus this frustrates investors and leaves them confused.


Breaking the Rules –
There are three commonly accepted rules:
1.  Own equities
2.  Diversify
3.  Re-balance

Breaking any of these rules will net less than favorable returns over time, decisions then become emotional.


Information Overload –
Let’s face it, too much information from many, so-called, advisors results in NO PEACE OF MIND.


Let’s discuss: Three Principles of Investment Philosophy –
Definition: Invest to have available funds to accomplish life goals and dreams.  This philosophy will give you peace of mind in your retirement.


Identify these three principles:

  1. Your true purpose of your money
    •  Most important value
    The way you use money
  1. Your market belief
    •  Your belief or how markets work
  1. Your investment strategy
    •  Create an investment portfolio for the future


This will take time, thought, discussion and effort. Being disciplined with your investment will teach you to tune out all the talking heads, negative news and “How-To Books.”