Helping individual investors and families manage their money and make smart financial decisions.
Capital markets do a very good job of fairly pricing all available information and investor expectations about publicly traded securities. Active management strategies cannot consistently add value through security selection or market timing.
The reward for accepting increased levels of short-term volatility is the opportunity to earn greater long-term returns.
Comprehensive, global asset allocation can neutralize the risks specific to individual securities.
The asset classes that comprise a portfolio, and the risk levels of those asset classes, are responsible for nearly all of the variability of portfolio returns.