We believe in the following concepts:
Maturity - longer-term fixed income investments are more risky than short-term investments
Default - Investments of lower credit quality are more risky than higher credit quality investments
Market factor - equities (stocks) versus fixed income (bonds)
Size factor - small company stocks have higher expected returns than large company stocks
Price (Value) factor - "value" stocks (typically lower priced) have higher expected returns than "growth" (higher priced) stocks
For the reasons listed above, we construct portfolios for clients based on their risk tolerance and financial goals. We create these portfolios with low-cost, institutional, asset-class based mutual funds. We build the portfolios to be as efficient as possible - meaning we maximize the expected return for the amount of risk a client is willing to accept.
We do NOT do the following:
Some people assume that the type of investment management we adhere to is Indexing, Our philosophy is actually different from Index Management and Active Management. The table below summarizes the difference in the three methods.
Integra Wealth871 McCallie Ave.Chattanooga, TN 37403Tel: (423) 664-0344Fax: (423) 752-2356
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