Investment Management
IndiWealth portfolios are built under a simple premise: elegant simplicity. This refers to our transparent process which incorporates assets necessary to fulfill an objective with an emphasis on time horizon.
IndiWealth portfolios focus on time horizon as the central driver of the investment selection process. In our opinion, historical risk assessment models are incomplete because they do not properly factor the time to completion as the primary source of risk. As an example:
- An investor may score as “aggressive” in risk tolerance but is reliant upon distributions from the account to meet near term expense needs. Therefore, allocating only based on this score could overweight the portfolio to risk assets that put the primary objective (meeting expense needs) in jeopardy.
- Conversely, a relatively conservative investor that is saving for their 2 year old grandchild’s education should have a far different risk allocation compared to their score-based risk tolerance.
By focusing on time to completion first, portfolios can be aligned with the time horizon and allocated to investments that are suitable to meet the needs of the investor’s objectives.
IndiWealth strategies will be actively managed but investments selected will be aligned with the stated objective. IndiWealth will invest primarily in exchange traded funds (ETFs), but may also include individual stocks, structured notes, and alternative investments when applicable.
Want to learn more about specific IndiWealth investment strategies? Visit our strategies page or download a PDF.