Investments

Financial Investment Planning Services  | Perennial Advisors Group

When it comes to investing, everyone faces two major risks: market risk (the risk that the value of your investment will decrease due to the overall performance of the financial markets), and purchasing power risk (also known as inflation risk, or the chance that cash flows from an investment won’t be worth as much in the future because of the rising costs of goods). By creating a detailed financial plan, we can decide how much of your portfolio is in cash, CD’s, or bonds, and how much should be invested in the stock market. This approach makes it personalized to you, versus a generic 70/30 or 60/40 portfolio.

We have a long-term approach to investing, and other than periodic rebalancing we utilize a buy-and-hold strategy. This may be different than your previous experience with investing, perhaps with advisors who attempt to “beat the market” and benefit monetarily from lots of activity in the account.

We believe in efficient markets and using low-cost, tax-efficient funds, particularly those of Dimensional Fund Advisors (DFA). Dimensional is a global investment firm that has been serving investors since 1981, using time-tested investment strategies for their clients. They have decades of research and rigorous testing which underpins their approach to pursing higher expected returns. Their goal is to add value over benchmarks and peers through an integrated and robust process.

We use TD Ameritrade as an independent third party for our client’s accounts. We also help you utilize the best funds available in your employer plans, such as 401(k)’s and 403(b)’s.

Sustainability Core Equity Funds

Investors around the world are increasingly conscious of how business practices may impact the environment and, in turn, future generations. As a result, many investors are interested in how to align their sustainability values with their investment goals. More than 10 years ago, Dimensional launched its first sustainability investment strategy, based on the idea that investors who wish to accomplish this dual objective should not have to forfeit sound underlying investment principles. Today, Dimensional offers three sustainability investment strategies to help investors fulfill this mission.

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