Investment Approach

ASSURE Financial Services, like most successful investment advisory firms, follows a core investment philosophy. Theses fundamental principles guide the investment decisions we help our clients make.

• Investments are used for long-term goals, while savings are used for short-term goals.
• Managing a portfolio’s risk so its volatility is consistent with the risk tolerance of our client is just as important as evaluating and seeking to enhance a portfolio’s return.
• Asset allocation, with diversification* among stock, bond and other markets, reduces risk over time.
• An investor's primary decisions involve choosing a mix of assets to be held in a portfolio, not the selection of individual investments.
• Risk is multi-dimensional. Investors should weigh "shortfall risk" - the possibility that a portfolio may not meet long-term financial goals - against "market risk," - the reality that returns may fluctuate.
• Market-timing and performance-chasing are not part of a winning strategy.
• Future long-term returns are expected to be similar to historical returns for various asset classes and subclasses.
• While we adhere to long-term asset allocation within a portfolio, occasionally over- or under-emphasizing certain asset classes may serve to enhance returns and reduce risk.
• Minimizing investment cost is crucial for long-term success.
• Properly researched, selected and monitored active managers can and do add value to investment portfolios.

*There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.  Diversification does not ensure against market risk.