Portfolio Design and Maintenance

At Finlan Asset Management, we design portfolios based on the following five principles:

1. Reducing taxes and expenses enhances performance.

2. Mixing asset classes with low correlation to one another reduces risk at the portfolio level.

3. The overwhelming determinant of investment performance is the asset allocation decision.

4. Attempts to time the world's markets neither reduce risk nor increase returns

5. Over time, appropriate international investing provides increased returns, and lower risk as opposed to a domestic only portfolio.

All portfolios are uniquely tailored to meet our client's long-term financial objectives. As your needs change so will your portfolio.

Over time, any investment plan will become distorted as one asset class outperforms others. Periodic re-balancing maintains the original risk-reward target for the plan. Because re-balancing enforces a buy low, sell high approach, it results in a positive performance gain over time.

Occasionally it may be necessary for us to replace a fund which fails to meet our rigid standards. The use of no-load funds, and low transaction fees makes this practically painless. We will discuss with you any proposed changes before executing them.

Articles of Interest:

Is your portfolio off balance?

Portfolio turnover can lead to lower investment returns

Engineering for better returns


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