Our investment portfolios are carefully designed to help retirement investors reduce risk, improve returns, and create a reliable income stream.
There are three key principles we follow to help protect your nest egg:
Keep Investment Costs Low: We build our retirement portfolios using low-cost mutual funds and exchange-traded funds.
Own Tax-Efficient Investments: While buying and holding forever isn’t practical for most retirement investors, we create portfolios with “low turnover.”
Every time an investment is bought or sold (i.e., “turned over”), costs are incurred. Not just obvious costs like transaction fees and taxes, but hidden costs like bid-ask spreads.
These costs eat away at your investment returns. So, to optimize investment returns and mitigate taxes, we intentionally own investments with low turnover.
Own the Right Asset Classes: Not all investments are created equal. We only invest in asset classes that have been proven through academic research to provide superior risk-adjusted returns and work well when invested together in a diversified portfolio (e.g., low and/or negative correlation to each other)
Do I need A Financial Planner for Investment Management?
Investing wisely is not just about selecting a handful of stocks or funds; it’s about developing a well-thought-out, diversified portfolio that aligns with your risk tolerance, time horizon, and financial aspirations. Just because you can invest your money into something (e.g., crypto), does not mean you should! Effective investment management is crucial for several reasons:
Wealth Accumulation: A carefully crafted investment portfolio can generate consistent returns, allowing your wealth to grow over time and keeping pace with inflation.
Risk Management: Diversification and risk assessment are essential in managing the potential ups and downs of the market, protecting your assets from significant losses.
Financial Goals Achievement: Whether you’re saving for retirement, funding a child’s education, or pursuing other life goals, investment management can help you stay on track and reach your milestones.
Peace of Mind: Partnering with experienced investment professionals provides you with peace of mind, knowing that your financial future is in capable hands.
Our Investment Management Approach
As a fiduciary, our job is to make investment decisions that are in your best interest. This means ignoring the daily headlines and sticking with evidence-based solutions.
We believe that no two individuals or families have the same financial circumstances or goals. Our experience combined with cutting-edge technology is used to develop personalized investment strategies. We carefully consider your risk tolerance, time horizon, and financial goals to construct portfolios that align with your unique circumstances. Through ongoing monitoring and adjustments, we strive to optimize your investment performance and navigate market fluctuations. Our comprehensive investment management services include:
Financial Assessment: We begin by understanding your current financial situation, risk tolerance, investment objectives, and time horizon, laying the groundwork for a personalized investment plan.
Customized Portfolio Design: Our skilled investment team will design a diversified portfolio that aligns with your unique goals, considering factors such as asset allocation, industry sectors, and investment styles.
Active Monitoring and Rebalancing: The financial markets are dynamic, and your portfolio needs to adapt accordingly. We proactively monitor your investments and adjust the allocation as needed to maintain alignment with your objectives.
Risk Management Strategies: We implement risk management strategies to protect your investments from market volatility and other potential risks.
Continuous Financial Education: As your partner in wealth management, we believe in empowering you with financial knowledge. We provide ongoing education and communication to keep you informed and involved in your investment strategy.
At Kraus Capital, we understand that successful investing is the cornerstone of building and preserving wealth. Our investment management services are designed to help you navigate the complexities of the financial markets, tailor your investment strategy to your unique goals, and achieve long-term financial success. We strive to provide you with the highest level of investment management expertise, exceptional client service, and transparent communication. Your financial goals become our goals, and we work diligently to help you achieve them.
