Faith: Throughout history we, as humans, have faced incredible challenge and change, yet we have continued to improve our lives and the world for future generations.
Asset Allocation: The asset allocation decision is the most important factor that determines the investment return.
Diversification: Effective diversification strategies serve as a foundation to reduce the risk without sacrificing long-term return.
Discipline: Consistency and patience in the approach and philosophy can result in consistent long-term performance.
Emotion: Long-term investment success can often depend upon the elimination of as much emotion as possible.
Market Timing: Consistent investment success results from “time in the market” rather than “timing the market” (i.e. The longer your time horizon, the lower your risk of loss).
Costs: Taxes and fees impact the overall net investment return and should be considered in the due diligent process when making investment decisions.
*Asset allocation and diversification do not assure a profit or protect against loss during a declining market.