Investment Management

Published academic research has proven ways to increase investment performance.

• Dynamic withdrawal strategies
  • Adjusting which assets you use for income and the amount.
• Asset allocation
  • Having the right mixture of stocks, bonds, real estate, cash, and alternative investments based on when you will use the investment.
• Lower cost investments
  • Keep more of your returns.
• Sytematic rebalancing
  • Selling some of the winners (sell high) and buying assets that recently fell (buy low). Studies show the best time to rebalance is based on trigger points around volatility rather than calendar timing.
• Tax-efficient withdrawals
  • It’s not how much you make, but how much you keep after taxes.
• Asset location
  • Investment growth is taxed as capital gains, ordinary income, or tax free in Roth accounts. Holding the right investment in the right account maximizes after tax growth.
• Tax loss harvesting
  • When markets fall, realize capital losses to save on taxes.
    

See the research:

Morningstar

Russell

Vanguard