Investment Philosophy

While RSA incorporates each client’s specific goals into the construction of their portfolio, our investment philosophy remains the same across all client portfolios.

Invest for Long-Term Success
We actively manage our client’s portfolios looking for opportunities for growth as well as looking to minimize downside risk. That does not mean that we engage in “market timing” - the rapid jumping in and out of markets that has been shown to be costly and ineffective. Instead, we regularly step back and take a look at the big picture to determine the best path forward.

Stay Diversified
RSA constructs most portfolios using a “Core and Satellite” investment strategy. The “Core” investments consists of broadly diversified investments that are typically low cost index funds. The “Satellite” investments are where we focus on those sectors or investment managers that we think are poised for growth or are well-positioned to sustain their value in choppy markets.

Be Mindful of Costs
The two factors that most influence portfolio returns over the long-term are asset allocation and expenses. The proper asset allocation is all about investing for the long-term, aiming for consistency and staying diversified. Having those hard-earned gains eaten up by high costs goes against our goal of doing what is best for our clients. We are therefore mindful of our costs and the costs of the investments we use.

Questions?

Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas – Paul Samuelson