BRING IT ALL TOGETHER

• By following a simple set of core portfolio management principals, we can enhance the average investor’s probability of success and performance over time relative to broad market indices and actively managed mutual funds.

• The average retail investor earns only a fraction of the returns generated by the broad market indices, thereby making retirement difficult. 

• A simple [6040] ETF portfolio comprised of exclusively of ETFs with no market timing would add 3% per year for the average investor.
  

• A well diversified portfolio (reduced volatility and market correlation) could add over 1% per year for the average investor.

• A simple portfolio rebalancing strategy could ad 1% per year for the average investor.

• Using forward looking asset allocation strategies could add 1.0% per year for the average investor.
  Employing call writing and put buying could also enhance the portfolio risk profile.

• Annual re-evaluation of client circumstances will better match the client’s retirement circumstances versus target funds or glide path planning.