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Outstanding long-term results require a comprehensive, integrated and disciplined approach.

Portfolio Research has developed a holistic investment process to guide you through your wealth management decisions. Our process is designed for the hands-on investor that is interested in using our investment models to:
  • Construct a thoughtful, retirement plan.
  • Achieve higher returns using asset allocation.
  • Manage risk and uncertainty.
  • Monitor and rebalance investments.
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We maintain six asset allocation strategies that differ by risk and return objectives. Each of the three steps in our investment process, Planning, Investment Set-up, and Investment Management, is designed to help you use our asset allocation strategies to meet your long-term investing goals.

Step 1: Build a robust retirement plan
Reaching future goals requires a plan: a sequence of proposed actions that lead to achievement. To make the right decisions you must examine the impact of today's decisions on next year, next year's decisions on the following year, and so on. Our retirement planning tool projects your wealth over time, and allows you to examine the implications of changing contributions, withdrawals, your retirement age and other inputs. Evaluate decisions such as when to start withdrawals and retirement salary. Use Monte Carlo simulation to "stress test" your plan under various market scenarios leading to a robust set of decisions.
Step 2: Use our asset allocation tool to help you select the right portfolio
First, select the investment strategy that best suits your investment goals. Then, provide information about the tax structure of your wealth in order to determine a rebalancing policy that meets your individual tax needs. Finally, select your favorite low cost mutual fund or exchange traded fund.
Step 3: Stay tuned to current market conditions
Now it is time to implement and monitor your portfolio. Simply input how your portfolio is positioned across the asset classes that you selected in step 2, and our rebalancing screen will show you how it compares the model asset allocation you selected. When your portfolio is out of balance, the rebalancing screen will show you the trades necessary for you to rebalance.
Our Dynamic Asset Allocation Portfolios are central to our investment process.
Portfolio Research has invested considerable resources into its approach. Here we outline the portfolio construction process. More detailed information can be found in our articles.
  • Our model portfolios achieve a high level of diversification.
  • Our model portfolios provide broad, global equity, fixed income, real estate, and commodity diversification using asset allocation.
  • Our strategies are “core” type portfolios; they are not concentrated, speculative investments.
  • Each asset class has an underlying index that is investible through low cost index funds or exchange traded funds.
  • Each model portfolio is built from the same 11 asset classes. The strategies differ by the amount of risk and return they seek, which means that the amount invested in each asset class differs by strategy.
The Process behind our Model Portfolios
Our model strategies are the product of a rigorous process. Each month we take the following steps to construct new model allocations based on current market conditions:
  1. We collect and assess new information.
  2. We measure the risk, or volatility, correlation, and expected returns of each asset class in our model.
  3. We use the measurements in step 2 as inputs into our proprietary portfolio optimization software to construct optimal allocations for each level of risk.
  4. We review our recommendations at an investment committee meeting prior to publishing results.
  5. We publish the results for our clients on our website.
  6. You should review the model alloaction results and make any changes that you feel are necessary based on your current view of global markets. Our models are a guide to help you make asset allocation decisions, and should not be relied upon as your sole source for making decisions.
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