Our Approach to Diversification
Academic research has shown that broad market exposure and keeping investment costs low have historically been associated with improved long-term investment outcomes. Our investment philosophy emphasizes the use of low-cost index funds to provide broad, diversified exposure across global markets. We also incorporate disciplined hedged overlay strategies designed to enhance returns, generate additional income, and help protect capital in adverse market conditions.
Managing Risk
In some cases, we implement specific portfolio protection strategies to reduce the impact of market volatility and minimize potential losses during extreme market downturns. This achieves two goals:
( a. )
Clients can have clearly defined risk limits on portions of their portfolios that, at certain times, demonstrate high levels of volatility, instead of relying on traditional correlations to hold up in a range of economic environments. This has the effect of not only helping reduce the impact of significant market declines in adverse market conditions but giving clients greater clarity and peace of mind about meeting their long-term financial goals.
( b. )
Over the long term, equities have historically delivered stronger growth potential than fixed income. While fixed income can play an important role in providing stability and income, its return profile is generally more limited relative to equities over extended periods. By thoughtfully structuring portfolio allocations and defining clear risk parameters, investors can increase their exposure to equities while maintaining a disciplined and balanced risk profile.
Our Strategic Advantage
Tactical Rebalancing
While a long-term view of returns is critical to investment success, there are times when we can take advantage of unique market conditions by investing in areas where prices have temporarily dropped or shifted. These opportunities may arise from market overreactions or broader trends, allowing us to adjust portfolios and which may enhance long-term risk-adjusted outcomes.
Attention To Investment Location
In addition to asset allocation, we focus on asset location—placing investments in the right accounts to reduce taxes and protect against legal risks. When we review new client accounts, we often find room for improvement, and our global approach to money management allows us to create more efficient portfolios. We collaborate with clients’ other advisors and help them optimize their wealth at a higher level through strategies like generation-skipping trusts, charitable trusts, and family LLCs.
Concentrated Stock Maximization
Clients may have large investments in specific companies or sectors for a variety of reasons; maybe they are an executive at, or selling their company to, a publicly traded business; they may own a family business that represents a significant portion of their portfolio; or they may earn substantial returns from a single stock over time. These scenarios require careful management to maintain diversification and guard against volatility. We work closely with clients to integrate these unique circumstances into their broader financial plan, providing guidance on strategy, timing, and execution to help align these decisions with their long-term financial plan.
Expertise In Alternative Investments
Alternative investments—including private equity, private credit, hedge funds, and other private market opportunities—may provide eligible investors with exposure to asset classes that differ from traditional publicly traded stocks and bonds. When appropriate, these investments can serve as a complement to a diversified portfolio and may offer additional sources of return and diversification, although they also involve unique risks and are generally less liquid than public market investments.
Our investment professionals bring extensive experience evaluating and managing private investments, with backgrounds that include direct investing across a variety of alternative asset classes. Through our network and investment relationships, we provide qualified clients with access to select private investment opportunities and customized alternative investment solutions, subject to availability and suitability.
Consistent with our long-term investment philosophy, the principals of Ironview Capital Management frequently invest alongside clients in many of the private investment opportunities we recommend.
Disclaimer: Alternative investments are available only to eligible investors and involve significant risks, including the possible loss of principal. These investments are generally illiquid, may be subject to limited transparency, and are not suitable for all investors. Past performance is not indicative of future results.