Accurately Allocating Your Assets
“Every pot has a lid.” Richmond Wealth Management’s investment approach starts with the idea that no two people are the same, so therefore no two portfolios should have the exact same composition. That is why utilize custom-tailored, actively managed stock portfolios to help clients build their dreams, manage their lives and transition wealth on to the next generation.
Changing markets require discipline and adaptation, just the same as clients need a flexible plan to fit their changing needs. Analysis shows that long-term investors grow their assets and achieve more consistent results over time by diversifying their portfolio. Richmond Wealth Management accesses a myriad of asset classes to match the specific needs of their clients throughout the different stages in their lives. 
Did You Know…
The mix of assets in a portfolio is the primary driver of return variability? |
Did You Know…
Below are some asset classes that you may see depending on what type of market conditions are present:
| Catastrophe Cash U.S. Investment Grade fixed Income Commodities Hedge Funds Managed futures |
Income U.S. IG bonds U.S. high-yield fixed income Int’l bonds (Developed Markets/ Emerging Markets) Large/Mid Cap equity DM equity Real estate/REITS |
Volatility U.S. IG fixed income DM fixed income Hedge funds Managed futures |
| Liquidity Cash U.S. IG fixed income DM fixed income Large Cap equity DM equity |
Inflation TIPS or short-term fixed income DM bonds Domestic equity Int’l equity (DM/EM) REITs Commodities |
Growth U.S. high-yield fixed income EM fixed income U.S. equity Int’l Equity (DM/EM) Real estate/REITs Private Equity |
Technical analysis is only one form of analysis. Investors should also consider the merits of Fundamental and Quantitative analysis when making investment decisions. Technical analysis is based on the study of historical price movements and past trend patterns. There is no assurance that these movements or trends can or will be duplicated in the future. Advisory programs are not designed for excessively traded or inactive accounts and may not be suitable for all investors. We need to review your investment objectives, risk tolerance and liquidity needs before we introduce suitable managers/investment programs to you. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services.
Asset allocation and diversification cannot eliminate the risk of fluctuating prices and uncertain returns nor can they guarantee profit or protect against loss in declining markets.
We’ll make financial and investment recommendations with your best interest at heart.
Our Commitment
We work hard to serve our clients’ best interests through careful planning and transparent actions. When working with us, you’ll know the reasons for our recommendations and any fees associated with them. You’ll receive timely attention when you have a concern or question. And we can work together in person, by phone, or via email – whichever works best for you.
Our Advisory Services can help you save time managing investments. Find out how we can offer financial guidance and help you keep up with the markets. Our programs allow flexibility in how much your professional portfolio manager does for you or with you.
Developing your investment plan includes choosing which products and services might help you meet your financial goals. Review some of the selections we offer to our clients. We can discuss what might work for your situation and help you as you work toward achieving your goals.
Everyone could use an estate plan. It’s not about what you own – but putting you in control. Here’s some helpful information to think about and get started.
The Perils of Trying to Time Volatile Markets
- Missing a handful of the best days in the market over long time periods can drasticallly reduce the average annual return an investor could gain just by holding on to their equity investments during sell-off.
- While missing the worst days can potentially offer higher returns than a buy-and-hold strategy, disentangling the best and worst days can be difficult because historically, they have often occurred in a very tight time frame - sometimes even on consecutive trading days.
