Investing Principles

PAY ATTENTION TO POLICY, NOT POLITICS

PAY ATTENTION TO POLICY, NOT POLITICS

Political drama doesn’t determine:

• • financial plan
  • portfolio direction
  • business climate

Policy can determine:

• Interest rates
• Taxes
• Rules and regulations

Watch the related WEALTHTRACK episode.

PAY ATTENTION TO A MUTUAL FUND’S CULTURE AND INVESTMENT TEAM

PAY ATTENTION TO A MUTUAL FUND’S CULTURE AND INVESTMENT TEAM

Continuity is important in a firm’s:
• Leadership
• Investment philosophy
• Goals
• Discipline

Watch the related WEALTHTRACK episode.

PUT A PORTION OF YOUR PORTFOLIO WITH INDEPENDENT THINKERS WHO CAN ACT ON THEIR ANALYSIS

PUT A PORTION OF YOUR PORTFOLIO WITH INDEPENDENT THINKERS WHO CAN ACT ON THEIR ANALYSIS

Watch the related WEALTHTRACK episode.

LOOK FOR FIRMS WHERE MANAGERS INVEST CONSIDERABLE SUMS ALONGSIDE SHAREHOLDERS

LOOK FOR FIRMS WHERE MANAGERS INVEST CONSIDERABLE SUMS ALONGSIDE SHAREHOLDERS

• How much money portfolio managers have invested in their own funds is a key criteria used to judge funds
• Significant “skin in the game” is seen as important indicator of management commitment & responsibility
• SEC requires disclosure of managers’ investments in funds they manage

Information available:

• – Mutual fund’s Statement of Additional Information in prospectus
• – SEC’s electronic data gathering, analysis, and retrieval database (EDGAR)

Watch the related WEALTHTRACK episode.

PAY ATTENTION TO THE CULTURE OF THE PEOPLE AND FIRMS YOU INVEST WITH

PAY ATTENTION TO THE CULTURE OF THE PEOPLE AND
FIRMS YOU INVEST WITH

• Certified Financial Planner (CFP)
• Chartered Financial Analyst (CFA)
• Certified Investment Management Associate (CIMA)

Does the advisor:

• Understand & agree with your objectives?
• Pay attention to your comfort levels?
• Have a realistic & workable plan to achieve your goals?
• Have the same values & priorities?
• Emphasize long-term outcomes & investments?

Watch the related WEALTHTRACK episode.