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Asset classes exhibit distinct characteristics, such as risk-return-volatility, over a market cycle
and tend to be uncorrelated; therefore, by proper asset allocation, returns may be increased without
additional risk.
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Based on market history, equities have produced highest returns over the long term and therefore
investment portfolios should be constructed with adequate equity representation in conjunction with
the risk profile of the investor.
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Target returns for any portfolio should be based on attainable goals of the investor without subjecting the portfolio to undue risk.
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Proper target returns and investor suitability cannot be determined without consideration of relevant
investment time horizons.
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All investment objectives are influenced by an emphasis on preservation of capital with consistency of investment performance.
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Client portfolios should be constructed based on a comprehensive investment plan as determined by investment planning performed after the initial client meeting.
