Investment Philosophy

Target investment returns that match a risk tolerance

Employ a quantitative allocation strategy to monitor portfolio diversification

Minimize portfolio construction and maintenance costs

Apply investing discipline and periodically re-allocate to ensure diversification

Investment Approach

Use low-cost index-based Exchange Traded Funds (ETFs)

Select well established ETFs with > $500M assets under management to ensure liquidity

Apply a Modern Portfolio Theory (MPT) model that matches given risk tolerance (conservative, moderate or aggressive).

Apply additional constraints on MPT optimization to protect portfolios from other risk factors, including market, interest rates, credit, and inflation risk