Key Tenets |
Benefits |
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Investment Policy Statement is the roadmap
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Built together, in the calm of day, to guide us during both good and bad market environments.
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Building blocks of all portfolios are broad index ETFs versus individual company stocks
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Reduces the risk of any one stock on a portfolio. We are betting on the success of the financial markets versus any single company.
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Stress a long-term outlook
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Better decision-making and outcomes.
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Diversification matters
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Spreads out risks and helps us better prepare your portfolio for market drawdowns.
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Focus on efficient, low costs implementation
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One certainty to investors is costs. Reducing costs minimizes the burden on portfolio returns.
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Portfolio rebalancing is critical
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Buying low & selling high ensures discipline and helps maintain desired risk/return profile.
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Portfolio Building Blocks – Exchange-Traded Funds (ETFs)
ETFs are similar to open end mutual funds in that ETFs provide diversification to a wide variety of asset classes, but ETFs have the additional benefits of intraday trading flexibility like stocks and more tax-efficiency than a mutual fund for taxable accounts. Twele Capital Management uses index ETFs from several of the largest ETF providers. Only ETFs determined to have ample liquidity, low trading costs and low fees are used within client portfolios.