Renew Family Wealth Investment Philosophy

Our approach to investing is systematic, yet understandable. We believe that a balanced, diversified portfolio that is positioned properly along factors of returns will allow individuals to accomplish financial goals over time and keep them from making costly mistakes that plague typical investors.

Our investment philosophy is our compass. We believe it is important to follow a defined strategy in all market conditions. As investor sentiment changes, our investment philosophy remains the same. 

- Renew Family Wealth Investment Committee

Our investment philosophy consists of the following:

Efficient Markets 
We believe markets are generally efficient. An efficient market implies that the price of a stock fully reflects all available information or news. In light of this, we do not chase short term fluctuations in asset prices.  

Diversification 
Through effective diversification, unsystematic risk can be greatly reduced. We diversify across asset classes, sectors, and regions to limit our exposure to any particular market segment. 

Structure
The correct mix of assets aligns portfolios to perform within the metrics of a set risk tolerance.  The greater the exposure, the greater the expected return.

Dividends
Companies with consistent dividends are less volatile over time than companies without dividends or fluctuating dividends.  

Factors of Return 
Markets - Equities generally outperform fixed income investments. 
Size - Small companies generally have higher expected returns than large companies.
Price - Value companies generally have higher expected returns than growth companies.