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INVESTMENT PHILOSOPHY Quantitative Factors should dictate investment decisions. Risk tolerance and time horizon, which are qualitative factors, are traditionally two of the most important factors when making investment decisions. Both are often affected, however, during extreme market volatility when investors are vulnerable to emotional decision making. Our quantitative approach allows us to have objective answers in times of market indecision and confusion. Costs impact returns. Investment costs are a predictable factor and should be controlled. By keeping both management and transaction fees low, Holos has a competitive advantage in providing higher returns. Financial market returns andvolatility are difficult to manage, investment fees are not. Fundamental Indexing Approach. Fundamental indexes are benchmarks constructed using valuation. The equity portion of our portfolio is composed of well defined asset classes on the basis of size (market cap) and geography. In this manner, each asset class within the portfolio attempts to earn the capital market rate of return for the defined asset class e.g., U.S. Large Cap, Emerging Small Cap. Invest for the Long-Term. The stock market is volatile and the risk of price declines is too significant for short-term investing. Investing in the bond or stock market is for money that will be needed in the future. Anything else in our view is speculating, and we do not speculate with our clients’ money. |
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