“Stop allowing your outdated ideas to hinder your progress. How would your life be different if you became open to new information that can refine, improve, enhance your way of thinking, and empower your way of living?” - Steve Mariboli
We developed CorePlus in order to deliver our clients a more stable, inflation-beating return with lower downside risk than a comparable stock/bond portfolio. We believe traditional approaches lack key ingredients critical to successful investing. CorePlus incorporates traditional core stock/bond portfolios and specific strategies we believe are needed to compensate for traditional portfolio investing's primary limitations. The result is a robust platform that offers the best features of traditional Core portfolio investing Plus:
More Stable Returns
Many investors depend on their portfolios to fund much of their standard of living. For them, heightened volatility or a few bad years early into retirement could be the difference between happily ever after and potentially outliving their wealth. Traditional stock/bond portfolios are too volatile to achieve the success rates we target for many of our clients, especially when tested under a host of negative scenarios. Our CorePlus platform includes a host of strategies that allow our advisors to create portfolios that generate sufficient income or cash flow for our clients without having to liquidate the underlying assets.
Real Downside Protection
Traditional diversification, while helpful, proved insufficient during the most recent downturn. Even the most conservative investors experienced much greater losses to their portfolios than they believed possible. We believe investors do not need to accept the downside risk inherent to traditional portfolios as a given. CorePlus includes strategies that explicitly limit the downside of investments that are essential to core portfolios, such as investment in a standard equity index like the S&P 500. CorePlus also includes strategies with built-in 'cushions' that can mitigate risk by absorbing much of the downside.
The recent crisis presented some of the best investment opportunities outside of traditional stock and bond asset classes in a generation. Direct real estate, distressed credit and mortgage-backed securities are some examples. Our investment process and systems allow us to identify these types of opportunities and integrate them and others like them into our CorePlus investment platform so suitable clients may take advantage of them.