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Studies show that over 90% of investment return is determined by asset allocation decisions (i.e., dividing your portfolio among broad asset classes), not individual security selection. Over time, asset allocation can potentially reduce the risk of investing as different asset classes react differently to economic and market events.

The age-old saying “don’t put all your eggs in one basket” is analogous to diversification. This concept allows investors to potentially reduce business, industry and geographical risk associated with specific investments.

Over the long term, market timing does not work. However, we believe that opportunities do present themselves in the market and skillful management can help improve performance.

Since consumer prices could triple over the next 30 years due to inflation, long-term investors must not only be concerned about preserving their principal, but also with protecting their purchasing power and growing their assets over time.

It is appropriate to strive to keep taxes, trading costs and management fees as low as possible. However, an investment should never be chosen for those reasons alone.