Investment Planning Philosophy

BRINGING FRESH PERSPECTIVE

INVESTMENT PHILOSOPHY

Your investment goals are important to us at Blossom Wealth Management. We understand that risk tolerance and time frame vary from one person to the next. We learn about each client so that we may design customized portfolios.
We educate our clients on the investment landscape and demonstrate how diversified holdings blend together to form a cohesive portfolio.

Pursuing a Better Investment Experience:

  • Embrace Market Pricing – The market is an effective, information-processing machine. Millions of participants buy and sell securities in the world markets every day, & the real-time information they bring helps set prices.
  • Don’t Try to Outguess the Market – The market’s pricing power works against mutual fund managers who try to outsmart other participants through stock picking or market timing. As evidence, only 19% of us equity mutual funds have survived and outperformed their benchmarks over the past 15 years.
  • Resist Chasing Past Performance – Some investors select mutual funds based on past returns. However, funds that have outperformed in the past do not always persist as winners. Past performance alone provides little insight into a fund’s ability to outperform in the future.
  • Let Markets Work for You – The financial markets have rewarded long-term investors. People expect a positive return on the capital they supply, and, historically, the equity and bond markets have provided growth of wealth that has more than offset inflation.
  • Consider the Drivers of Returns – Academic research has identified these equity and fixed income dimensions, which point to differences in expected returns. These dimensions are pervasive, persistent, and robust and can be pursued in cost-effective portfolios.
  • Practice Smart Diversification – Diversification helps reduce risks that have no expected return, but diversifying within your home market is not enough. Global diversification can broaden your investment universe.
  • Avoid Market Timing – You never know which market segments will outperform from year to year. By holding a globally diversified portfolio, investors are well positioned to capture returns wherever they occur.
  • Manage Your Emotions – Many people struggle to separate their emotions from investing. Markets go up and down. Reacting to current market conditions may lead to making poor investment decisions at the worst times.
  • Look beyond the Headlines – Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the future while others tempt you to chase the latest investment fad. When tested, consider the source and maintain a long-term perspective.
  • Focus On What You Can Control – A financial advisor can create a plan tailored to your personal financial needs while helping you focus on actions that add value. This can lead to a better investment experience.

 

    INSIGHTS FROM OUR TEAM

    More than a financial provider, we identify and understand your life goals and then create a dynamic wealth management solution to help you achieve them.

    INSIGHTS FROM OUR TEAM

    We facilitate introductions to thought leaders and successful peers in our community.

    INSIGHTS FROM OUR TEAM

    We provide your team with additional resources to efficiently realize your legacy.

we listen to what you have to say.
request a free conversation with us.

We carefully monitor your strategic plan to ensure continuous alignment with your goals. In addition, we provide consolidated performance reporting on a periodic basis. We encourage you to communicate any significant change in your situation so that we may make the appropriate adjustments.

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