Portfolio Management
“When your values are clear to you, making decisions becomes easier.”
– Roy E. Disney
– Roy E. Disney
Ramsey & Associates manages the equity portion of client portfolios by using a combination of no-load mutual funds and/or separately managed accounts (SMAs). For the bond portion, we create individual bond ladders or use no-load bond funds as appropriate.
We believe that asset allocation is the most important long-term determinant of investment results in a given portfolio. Past performance, stock selection, and timing investments in and out of the market are less influential in achieving long-term results (source: Brinson, Singer and Beebower, 1991, 1993). Our philosophy and our experience is that appropriate asset allocation produces favorable results over time.
Ramsey & Associates offers ongoing services to manage portfolios on a year-by-year basis. Our services include financial planning review meetings; phone consultations with you as the need arises; ongoing review of portfolio performance to track emerging investment trends that may indicate the need for adjustments; and quarterly performance statements.
No-Load Mutual Funds
The Ramsey & Associates Investment Committee does an in-depth analysis of all our selected no-load mutual funds after they have already been screened through the Morningstar database. Our mutual-fund review evaluates performance versus indices and similar mutual funds, checks consistency of investing style, and assesses other no-load mutual funds for potential inclusion in our recommendations.
Separately Managed Accounts
A separately managed account has many benefits for the investor with a minimum of $1,000,000 to invest. Unlike mutual funds, SMAs offer separate, individual portfolio management, with the following advantages:
We believe that asset allocation is the most important long-term determinant of investment results in a given portfolio. Past performance, stock selection, and timing investments in and out of the market are less influential in achieving long-term results (source: Brinson, Singer and Beebower, 1991, 1993). Our philosophy and our experience is that appropriate asset allocation produces favorable results over time.
Ramsey & Associates offers ongoing services to manage portfolios on a year-by-year basis. Our services include financial planning review meetings; phone consultations with you as the need arises; ongoing review of portfolio performance to track emerging investment trends that may indicate the need for adjustments; and quarterly performance statements.
No-Load Mutual Funds
The Ramsey & Associates Investment Committee does an in-depth analysis of all our selected no-load mutual funds after they have already been screened through the Morningstar database. Our mutual-fund review evaluates performance versus indices and similar mutual funds, checks consistency of investing style, and assesses other no-load mutual funds for potential inclusion in our recommendations.
Separately Managed Accounts
A separately managed account has many benefits for the investor with a minimum of $1,000,000 to invest. Unlike mutual funds, SMAs offer separate, individual portfolio management, with the following advantages:
- Securities are held in individual accounts, allowing you to enjoy direct ownership of companies, rather than ownership of shares in a fund.
- You have greater control in customizing your portfolio to suit your needs and objectives. You can make specific requests to the separate-account manager, such as to avoid certain controversial stocks (tobacco, for instance) or to steer away from a concentrated position in your company’s stock.
- Your investments can be better managed for tax efficiency to offset capital gains and losses as much as possible.
- You know what you own in your portfolio anytime, unlike mutual finds, which must only report individual holdings quarterly.
- You have greater accessibility to your money manager. A dedicated, responsive team of investment professionals can respond to your requests and questions.
- You can confidence in investment decisions. Ongoing diligence ensures that managers continue to offer the type and quality of management they have in the past.
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