INVESTMENT PORTFOLIOS

investment portfolios -

growing net worth

we don't mess around when it comes to investments. we are not trend chasers, but long-term investors focused on building your net worth. we use human judgment, selecting companies with future-facing ideas and strong fundamentals. after all, we invest in what we believe in, and we invest with you.

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the objective is to grow net worth, not just assets

we match investments based on your personal goals, including short-term and long-term, with the aim of ultimately building up your net worth! we put our money where our mouth is, so we adhere to a very strict investment criteria when choosing stocks to invest in.

how we pick our stocks & investment criteria

we are long-term investors holding our portfolio names for more than 3 years on average, adhering to a strict, no-nonsense investment criteria.


our current portfolio dividend yield: 7.5%

1.

we focus on companies that serve real needs, has strong mgmt., revenue, profits, and cash flow. 

2.

we screen for high global dividend yields (targeting 5%+) - this is an indicator of low price. 

3.

dividends provide steady income while waiting for price growth. 

4.

we evaluate stock prices over 5-year trends, not short-term movements. 

5.

we research growth catalysts (e.g., debt reduction, innovation).

how we determine your stock bond mix

(asset allocation)

asset allocation is the process of combining asset classes such as stocks, bonds, and money market & CDs in a portfolio in order to meet your goals. 

asset allocation examples

Three pie charts showing different types of asset allocations of varying risk.

our fee structure

  • 0.5% per year  for cash, CDs, and money market portfolios.


  • 1.25% per year for 100% stock portfolios.


  • your fee is a weighted average based on your stock / bond mix.


  • charged quarterly, based on your average balance that quarter.


formula: (average quarterly balance x weighted annual fee %) ÷ 4


we have never raised our fees since inception in 2000!

example

your asset allocation is: 70% stock, 30% money market.


thus, your weighted average annual fee is:


(1.25% x 70%) + (0.50% x 30%) = 1.03%


say, for example, on january 1, your account value is $99,000, and on march 31, the account value is $101,000. this makes your average account value for that quarter:  $100,000.


we calculate your quarterly fee as shown below:


$100,000 x (1.03% ÷ 4) = $258


how we set up your accounts at Charles Schwab

1. we review your current investments vs. goals to determine your stock/bond allocation mix


2. open Schwab accounts electronically using your personal info

 

3. you receive email to e-sign forms and set up login


4. next day: we link your bank (MoneyLink) + transfer assets via ACAT 


all transfers take about 4-6 days to complete. once the funds arrive, we then invest it in our global stock portfolio per your stock bond mix for that account.

how the stock markets work

before 1996, stocks were traded manually with an average holding period of 8 years (a healthy buy/hold strategy).


today, the average holding period of a stock is only 20 seconds! with 90% of trades buying or selling the S&P 500 or Nasdaq, and completely computer generated based on internet / news sentiment.


in essence, the stock market today trades like one highly volatile stock, rather than a collection of individual stocks – as it did under the old buy-and-hold strategy. 

our focus: finding undervalued stocks with long-term growth potential.


we don’t compete with computer algorithms – we outthink them! because being human, we can imagine the future in ways that machines can’t. 

questions you should ask

to understand if our values match yours

  • what stops you from taking our money and going to the caribbean?

    we would not get very far… and it is not part of our family values. our CFA designation, regulatory framework, strong ethics, and our values of going above and beyond what is required for our clients, is what drives us.  All our clients have been clients for greater than 20 years and such a large family tree can never be replaced.


  • how are you regulated?

    we are required to file an extensive official government “brochure” outlining our credentials, operations, and fees. this is public information available online. 


    in our 25 years (knock on wood), we have had no client complaints or legal issues. we don’t rely on social media, flashy ads, free dinners, and absolutely refuse to sell commission-based products due to its moral hazards. 


    instead, we take a conservative approach with our allocations and investment choices, focusing on diversification and doing what’s right for each client.

  • what happens to our accounts if you get hit by a bus?

    our client accounts are held under their own names at Charles Schwab & Co., fully under their control. 


    you authorize us to have a limited power of attorney to manage your investments, buy and sell stocks, and move money to your bank.

     

    if something were to happen to jay, your money remains safe. you have the control to seek out another advisor or work with his staff, who are in the process of getting licensed. he lives by the motto: “make every day count as if it’s your last.”