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Over the years we have authored these articles to share with our clients and friends. We think they are like an old favorite movie that you will want to see again and again. Please feel free to make copies and share with your friends. Looking for an older article? See our Article Archive.

Have Broad Diversification

The rewards from investing can be captured most consistently by creating a well-diversified portfolio that is engineered to optimize the risk/reward trade-off inherent in the stock market.
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Include Value Stocks

The fundamental axiom of modern portfolio theory is that risk and return are related. Investment strategy is defined as the science of capturing the maximum return at a stated level of risk. The asset class of value stocks represents a distinctive risk for which we expect compensation. When the risk and return characteristics of value stocks are blended with other asset classes, the result is a diversification benefit. Therefore, including value stocks in a broadly diversified portfolio is expected to increase return while reducing risk.
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Include Small Cap Stocks

There are only two reasons to add an asset class to your portfolio. Either you want it to reduce risk or you want it to add return. Adding small cap stocks to a portfolio of large cap stocks can do both. Small cap stocks have provided returns with a different performance pattern than large cap stocks. In addition, small cap stocks have...
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Use Only Short Term Bonds

At Resource Consulting Group, we believe in using strictly short-term bonds in building the fixed income portion of portfolios. To explain why, we must begin by asking, “Why do we invest in bonds in the first place?”
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Stay Fully Invested

Market timing adds uncertainty, reduces efficiency, and increases taxes and costs. Thus, it reduces the probability of achieving long-term goals. Systematically adhering to an investment policy uses the opportunities inherent in appropriate asset classes to maximize the probability that you will achieve your goals.
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Have an Appropriate Allocation to Equities

One of the most important investment decisions an individual can make is the determination of an appropriate allocation to equities. Popular beliefs have always and continue to label bonds as a “safer” investment than equities. History demonstrates...
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Escape from The Success Paradox

The Success Paradox described the misery that high income can sometimes bring. Escaping this paradox can be very simple and easy to do. Unfortunately, most people make it very complicated and difficult to do.
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The Success Paradox

If we define success in life as achieving a sense of peace and happiness, many economically successful people are not successful. Is this because money cannot buy happiness?
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Mutual Funds versus Separate Accounts

Mutual funds have become tremendously popular over the past two decades.  Their efficiency and simplicity have been a boon for investors.  Recently, the popularity of separate accounts has seen resurgence.  Many articles have been written claiming that separate accounts are…

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