Allocation: Choosing the Right Investments
Devenir offers wealth management plans as unique as our clients' individual goals and lifestyles based on a proven investment strategy founded on a disciplined wealth allocation and selection methodology.
Experience shows that the best way to manage wealth is through a structured investment approach. This model simplifies the overall investment strategy while balancing both long-term objectives with short-term market volatility. We believe that a structured investment process delivers results with greater predictability and superior returns over random asset selection models.
The process we employ includes:
- Initial Consultation - At the beginning of the process, we meet with clients to determine unique objectives and risk tolerances based on age, income, expenses, assets and investment horizon as well as other financial and lifestyle information.
- Asset Allocation - Using sophisticated asset allocation models, the Devenir advisor will determine the asset allocation that is most appropriate for the client-- including specific asset classes and the weighting of each class.
- Investment Selection - Based on the agreed-upon asset allocation, Devenir provides clients with an asset selection recommendation designed to help them meet their individual objectives. These instruments may include mutual funds, separately managed accounts, fixed income securities and individual stocks.
- Monitoring and Rebalancing - Devenir advisors regularly review client portfolios to determine the effectiveness of the asset allocation strategy. While we are generally advocates of a buy-and-hold strategy, we may recommend changes designed to rebalance a portfolio or avoid specific risk.
- Reviewing - Depending upon the client's preference, we will implement a quarterly or annual update to thoroughly review the portfolio's performance and update the investment plan.
