Investment Analysis

Investment Analysis

A thorough understanding of your investments is important to long-term success. An Investment Analysis will help you understand details about your assets that are difficult for the average investor to find. A solid analysis will cover the following categories:

  1. Expenses:

    • Does your portfolio contain any loads or 12b-1 fees and if so, how much are they costing you? In addition to the expense ratio, you will see fund turnover ratio and estimated trading costs – theses are hidden fees that need your consideration. Adding in Advisory fees will give you a comprehensive understanding of your total expenses to own particular investments.
  2. Asset Allocation:

    • It is quite common for people to have multiple accounts, each with a different allocation. Unfortunately, these accounts often over-lap asset classes and do not provide the diversification that was desired. A look at all your assets in one analysis will help you plan in a more efficient manner.
  3. Style:

    • A well designed portfolio will be built to provide a return premium. How you allocate your equities between Value and Growth will have a significant impact on your outcome.
  4. Market Cap:

    • Another factor in providing a return premium is the size of the companies you are investing in. How you allocate your equities between Large, Small, and Micro will have a significant impact on your outcome.
  5. International:

    • Exposure to less developed parts of the world can boost returns due to faster growing economies.
  6. Sector:

    • Whether it’s Technology or Consumer Defensive, you do not want too much exposure to any of the 11 major sectors.
  7. Bond Maturity and Credit Rating:

    • Research has shown that high yield and long-term bonds do not posses the most attractive risk/return trade-off. Identifying funds that carry these bonds in your portfolio will help you achieve a better defensive bond strategy.
  8. Efficient Frontier Analysis:

    • Is your portfolio efficient? Could it use improvements? How will that affect your Forward-Looking Returns?

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