Doug & Josh Investment Policy Statement
Doug & Josh Collier: Investment Policy Statement
Our investment strategy is built on sound research and data. Dynamic asset allocation offers long-term positive upside downside capture ratio through diversification in concert with proactive asset class tilting.
Key Components
- Diversification:* We invest with a long-term perspective on growth and resiliency through well- diversified portfolios that avoid sector bets. Portfolios are also not dependent solely on "total market return" - especially for retirees - but are built to help withstand volatility and downturns.
- Dynamic Asset Allocation: We establish each client's investment portfolio in an asset allocation designed to pursue their financial planning goals within their specific volatility tolerance. That asset allocation is dynamically tilted by small increments in response to macroeconomic or market conditions.
- The Bucket System: We are practitioners of a comprehensive system that seeks to maintain consistent distributions and growth of capital during retirement. This system can help ease your fears of running out of money and enable you to pass on your wealth to subsequent generations.
Portfolio Review, Rebalance, and Evaluation Process
- Quarterly review of all accounts that are drawing in order to rebalance and actively maintain The Bucket System.
- Prior to every review, portfolio building blocks and any changes or tilts under consideration are analyzed using BlackRock’s 360-degree Evaluator and Scenario Tester tools.
- Semi-Annual evaluation and review of every mutual fund and exchange-traded fund held by clients. This is accomplished through T. Rowe Price’s Art Of the Clean up tool that evaluates each holding relative to the nine rules assigned across three broad areas: return-seeking, risk-mitigation, and uniqueness.
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*There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non- diversified portfolio. Diversification does not protect against market risk. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Asset allocation does not ensure a profit or protect against a loss. Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.