How should my wealth be managed


Investments should be thought of in terms of the “purpose” they serve in moving the portfolio closer to its goals.


The Importance of Time

Stocks’ (and other economically sensitive investments) inherent advantages only work for you if you don’t need access to the money soon.

  • Over periods of 1-5 years, stock returns are more variable than most people think.

  • Over periods of 5-10 years, stocks begin to dominate bonds and cash in terms of average return and worst return. 

  • At 10 years and beyond equities have had a superior risk/return profile.

Segmentation of assets/investment strategy by time frames:

0-5 years =  Stable Value Assets

5+ years   =  Growth Assets