FOCUSING ON BOTH
risk AND return
We don't have a crystal ball. We don't try to predict or time the market. We focus on a repeatable, data-driven process to create robust, globally diverse portfolios. Developed to reduce risk, our process aims to improve your odds of success and dampen the ups and downs of the market.
3 portfolios
Conservative PORTFOLIO
A plan for bear markets.
Ups and downs of the markets are normal. Importantly, down periods are normal. Even large down periods are normal. The last thing you want is to be pressured or forced into abandoning your plan near the lows. Let’s proactively prepare for periodic yet uncertain down periods.
When our main portfolios are down, we need a place to withdraw money from without pushing our main portfolios down further. The goal of the Conservative Portfolio is to preserve purchasing power over time and meet or beat inflation. During retirement, we advise between one to four years of projected withdrawals be allocated merely to preserve purchasing power. This provides a way to fund your life without having to "sell low" during market turmoil.
CORE PORTFOLIO
Your money working for you over time.
The name Core represents the center and majority of your investment portfolio. Central to the Core Portfolio's goal is global diversification. If done properly, diversification should reduce risk but not reduce return. We believe in taking on no more risk than is necessary. Based on a Nobel Prize-winning theory, Core Portfolio is intended to replicate the Tangency Portfolio in Modern Portfolio Theory. Removing the guesswork with your money, Core Portfolio relies on math and finance, and led to this feature in Forbes.
AGGRESSIVE PORTFOLIO
Take more risk with your money.
Aggressive Portfolio still uses the DataDriven Process but is more aggressive in overweighting and underweighting investments based on valuation. While Aggressive Portfolio is available, our Core and Conservative portfolios meet most client needs.
This type of investing is only suitable for two types of investors. The first has more than enough money to meet their needs and merely wants some money in riskier investments. The second doesn’t have the asset base to likely meet their long-term needs, and they have to take on risk somewhere in their life. Upper Left will only work with the first type of investor.