We believe the best approach to investments is to use low-cost, passive investments in a strategic asset allocation designed for you, coupled with periodic rebalancing of the portfolio.

It may be possible to outperform markets, but it is very difficult to identify, in advance, managers/funds who can do so. We choose, instead, to accept the market’s return for the various asset classes.

Our track record of guessing what will happen next is pretty poor, so we don’t try to guess.