There are two times in a man's life when he should not speculate: when he can't afford it and when he can.”
- Mark Twain

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Investment Management

Our investment management process is focused on the following:

  • We Develop a Formal Plan and Investment Policy Statement
  • We Implement the Plan
  • We Evaluate the Portfolios Performance

Develop

We work with you to develop a formal investment strategy consistent with the goals and objectives defined in your financial plan. We do not recommend the same portfolio for each client. Instead, we take each of your unique circumstances and considerations into account. We then develop an investment policy for deploying your assets among multiple asset classes (eg. domestic and foreign stocks, growth and value stocks, large-cap and small-cap stocks, real estate, various alternative investments and intermediate and short-term bonds) This written investment policy provides the framework for all future investment decisions.

Implement

We precisely design every portfolio with an eye towards cost control, tax efficiency, and risk management. We select investments and allocate funds with strict adherence to your investment policy.

We consider every investment category, and make cost-effective use of non-traditional investments (commodities, real estate, etc.) to ensure that our clients are optimally diversified. Through this process we construct an "efficient portfolio" - one which has the highest expected return for a given level of risk.

Evaluate

We continually evaluate your investment portfolio to ensure that it remains aligned with your investment policy and financial plan. In addition to monthly account statements, our comprehensive quarterly performance report helps you gauge the progress of your plan and the value each specific component is adding to your investment portfolio. We compare your portfolio's performance (net of fees) to a relevant blended benchmark. This will help you see how your relationship with Principia is adding value over time.

We also review your financial circumstances:

  • Have your objectives changed?
  • Is your current asset allocation still appropriate?
  • Is your portfolio meeting your long-term goals?

Our aim is to keep your financial plan in focus to help you resist the emotional urge to make reactive changes that could damage your portfolio's long-term performance.

OVERVIEW

We are driven to identify, disclose, and minimize all investment costs. Our solutions completely eliminate all sales loads, 12b-1 fees, deferred sales charges, and commissions of any kind.