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Investment Management

We believe individual investment strategies are designed to support achieving a goal, or an objective, rooted in an understanding of investor timeframes and constraints.  An understanding of the purpose and approach of investment strategy will help to determine an optimal asset allocation and be a meaningful guide through market uncertainty.  

At the core of our philosophy for investing, we hold the following beliefs: 

Efficient Markets

Investment markets are efficient.

Attempting to find investments that can outperform the overall market creates the possibility of underperformance.  While there may be areas of investment markets where managers can demonstrate periodic outperformance, maintaining this over a significant period of time is improbable. 

Risk

Risk is not only measured in volatility.

While risk for an investment or index is measured by volatility, there are additional factors to consider when investing.  Other examples of risk include concentrated holdings in one company, unrealistic expected returns and misalignment of strategy with personal needs or tolerance. 

Diversification

Diversification within and across asset classes minimizes risk and promotes wealth accumulation or preservation.

Balancing volatility with expected returns to build a blended investment portfolio helps to mitigate broad risk.  Bringing together multiple asset classes can reduce overall volatility while enhancing returns. Diversification within asset classes greatly minimizes specific risk. 

Investor Discipline

Investors should remain disciplined through different market cycles and conditions.

An appropriately informed investment strategy will aid in commitment.  Investor behavior has the potential to be the largest contributor to performance, both positively and negatively.  Remaining invested is imperative to investor success, underscored by the understanding that large losses require even larger gains to recover.  Another form of investing discipline comes in saving and spending; early and consistent saving partnered with measured portfolio spending are significant contributors to investor success. 

Costs

Managing the costs associated with investing helps investors retain their dollars.

Costs are one variable that can be controlled in investing.  Connecting to our belief that markets are efficient, investors do not need to pay for performance.  Higher costs in investments can lead to lower returns for investors. 


Cordis Financial is a fee-only firm.  We base our fees on the amount of assets we are managing for a client.  We are paid directly by our clients.  This fee is based on the assets under management, assessed and charged quarterly using the rate pre-disclosed in your Advisory Agreement.  Most clients will have an Asset Management Fee.

View Our Fee Schedule Here