Portfolios are customized for each client household based on client goals, values and tax efficiency.
Our Portfolio Managers adhere to the highest industry standards for investment advisors.
There is a fiduciary duty to our clients to find the best investment solution possible based on the client's situation.
DISCRETIONARY PORTFOLIO MANAGEMENT
At RT Mosaic, the crux of our investment approach is to focus on asset allocation and the creation of a customized Investment Policy Statement (IPS). Incorporating your risk tolerance, life stage and your unique personal situation, we develop a written IPS in accordance with your investment goals and risk parameters. Developing an IPS is critical to long term, disciplined investing.
Asset Allocation aims to balance risk and reward by apportioning a portfolio's assets according to an individual's goals, risk tolerance and investment horizon. Historically, the three main asset classes used by industry professionals are equities, fixed-income, and cash and equivalents. At RT Mosaic, we include a fourth asset class, real estate, which enables us to incorporate your entire net worth into the financial plan.
Academic research consistently confirms that efforts to time the market are likely futile. Our objective in managing this portfolio is not to succumb to the impulse of timing the equity or bond market.
Source: Brinson, Singer and Beebower. "Determinants of Portfolio Performance"
Financial Analysts Journal
Risk is commonly measured by using a statistical measurement of volatility, called standard deviation. This is a tool helps us understand the risk characteristics of each position we hold in a client's portfolio. Our goal is to maximize expected returns at a given level of risk. It is our belief that no one can predict the short-term future, therefore we use long term data that gives us a good pictorial of potential risks associated with expected rates of returns when purchasing assets.
We are proponents of diversification as it is the key to a thriving investment experience. There is much debate about what diversification means and how to approach it. To us, it means having exposure to asset classes globally, which would include domestic and international equities, mortgages, real estate and fixed income. We can also hedge currencies and participate in value investing.