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Portfolio Strategy


While meeting with a new client yesterday and explaining our investment process, I thought about the basic keys which I have learned in over fifteen years of helping clients invest their assets which are as follows:

1.) Having a disciplined written investment plan and process, that is regularly monitored and properly managed, is much more important than the individual investments you select to implement your plan.  In general, it is my experience that people spend far to much time worrying about which stock or mutual fund to buy or sell and they do not even have a written and monitored plan to evaluate whether these investments are doing what they are supposed to.

2.) All investments can have good times and bad which is why it is not worth spending so much time selecting the individual investments which make up your portfolio.  Sure, you want to make sure that the individual investments have low expenses, have historically done what they say they are going to and are run by reputable firms with established long term track records, however, as mentioned above, it is more important to have a disciplined process for managing and monitoring the portfolio as a whole than the individual investments themselves.

3.) Diversification and rebalancing are the keys to reducing portfolio risk (although diversification does not guarantee against loss; it is a method used to help manage risk).  To many investors are over concentrated in their investment portfolios to one or only a few asset classes or investment styles, and do not rebalance their portfolios regularly.

White House Financial & Settlement Consulting helps families live easier and less stressful lives through the proper management of their financial resources.  We do this by acting as our clients’ trusted advisor providing a personal touch customized to the client’s needs!  Please visit our web site at www.whitehousellc.com for more information!

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