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At Prism Financial Concepts, we believe that investment capital is the engine that drives your investment results. Without capital, how can you generate income, or achieve gains? In 2001 we began using investment strategies and models designed to better manage volatility and risk to capital. The idea was to help our investors improve risk management as well as potentially reduce the impact that negative market cycles have on their portfolio.
At that time, passive asset allocation had become very popular. However since then, the passive approach to investing has come under increasing pressure as the secular market cycle changed from Bull to Bear. The negative market periods from 2000 to 2002; and again in 2008 have eroded portfolio values and upended the retirement dreams of many buy and hold investors. They caused the investment community to re-asses what true diversification is and generally created a sense of unease among investors. As a result, more and more investors today are seeking out an active approach to money management.
--The math of the markets is simple; if you lose 50% of your capital, it takes 100% just to get back to even--
At Prism Financial Concepts, we employ an active approach to managing money, by using a “Diversified Strategy” investment system that is unique to our firm. Our primary trading software allows us to advance account values in rising price environments and protect capital in declining markets by alerting us to changes in market trend. We have determined that by incorporating seasonal investment strategies and interest rate modeling into our "Diversified Strategy", model risk and portfolio risk can be reduced, which improves risk adjusted returns. Once an investment meets our stringent fundamental criteria, we confidently aim for significant risk adjusted returns in any market cycle.
Choosing investments that have the greatest potential for gains is also imperative to long term investing success. At Prism Financial Concepts, we use a long term theme based approach to investment selection. In the decade ahead, we see some of the greatest opportunities for capital appreciation coming from water resources, energy and natural resources, agriculture and emerging markets. In our view, investments in small to mid-sized companies and those in the technology sector should outperform their larger counterparts. Since markets are fluid and our process for investment allocation is both dynamic and tactical, we incorporate daily, weekly and quarterly portfolio model analysis and investment review to identify and evaluate actionable portfolio changes.
If you or someone you care about is tired of riding the stock market roller coaster, call us today to learn more about Prism Financial Concepts "Diversified Strategy" investment approach.
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©2012 Prism Financial Concepts, PC. All rights reserved.
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Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, member FINRA/SIPC, to residents of:
GA, NV, FL, AZ, ZA, CO, NC, OH, TX, VA, WA, IL, NJ, KY, NY.
Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.
Cambridge and Prism Financial Concepts are not affiliated.
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