Investment Philosophy

My primary goal is to help my clients to have a more successful investment experience and achieve peace of mind for themselves and their family.

Successful investors have three attributes. They follow a sensible investment philosophy, create a prudent portfolio strategy for their needs, and stick to their plan with die-hard discipline. It takes all three traits to succeed long-term.

My investment and planning strategies are based on the science of capital markets, not speculation, intuition or “market forecasts”. Over 50 years of leading academic research and hundreds of years of market history guide the way. Evidence from experienced investors and scientists alike points to an unmistakable conclusion: Returns come from risk. Financial gain is rarely accomplished without taking a chance, but not all risks carry a reliable reward. Scientific research has brought us to a powerful understanding of the risks that are worth taking and the risks that are not.

I believe that successful investing includes not only capturing sources of expected return but also managing diversifiable risks and avoiding other risks that do not increase expected returns.

These avoidable risks include holding too few securities, betting on countries or industries, following market predictions, speculating in areas like interest rate movements, and relying solely on information from third-party analysts or rating services.

The solution – Diversification

Diversification is an essential tool available to investors. While it does not eliminate the risk of market loss, diversification does help eliminate the random fortunes of individual securities and positions your portfolio to capture the returns of broad economic forces.

Contact me today at 416.576.6777 for a confidential second opinion! Email me at