Portfolios designed for today's unique market environment and built upon time-tested investing principles.
At Alphamint Financial we believe that the changing investing environment, e.g. with interest rates near all-time lows, and high inflation rates that has been seen in over 40 years, warrant a new approach that goes beyond traditional investing. A simple portfolio built around bonds and stocks is not sufficient for today’s diversification needs, nor will it provide retirees the income they need to maximize their retirement cash flow.
By utilizing many asset classes, making tactical investment decisions, and adding alternative investments to the portfolio, this may be the best path for generating growth and income for clients. Additionally, research indicates that adding a lifetime income stream, that has the opportunity to grow in order to offset the effect of inflation, can greatly improve many retirement scenarios.
Disciplined yet Dynamic
A disciplined approach to investing.
A "Core-and-Explore" approach is the hallmark of our investment portfolios. The "Core" is built by using funds (primarily Exchanged Traded Funds) that are low cost, diversified, and proven to be the "best of breed" funds long-term. We then build upon that through our complement allocation, i.e. "Explore", which focuses on reducing correlation risk thus improving overall diversification. And then we take this one step further with our Extended allocation, which is focused on boosting returns within the portfolio long-term by capitalizing on short-term market volatility and changes in the economic and investing environment.
No discussion of investment discipline would be completed without address what is known as "Market-Timing", which is jumping in and out of stocks and bonds regularly in hopes of avoiding downturns, and riding the upturns. We avoid this approach. Why? Because no one has ever proved that this can be done successfully on a consistent basis. In fact investors have lost a lot more money than they have made utilized this approach. And why is this? Primarily because institutional investors, which drive the markets because they manage billions of dollars, look ahead by 6-12 months. They are much less concerned with the daily ups and downs of the markets. Consequently, what happens is that the best buying opportunities are when things appear their worst. And the best selling opportunities occur when things appear their best. Very few people have the emotional discipline to actually pull this off, on a consistent basis.