disciplinedIQ Investment Advisory Process


  Investors vs Advisors

  DisciplinedIQ Process

  Management Principles
   Fiduciary Responsibility
   Independent Thinking
   Fee-based Compensation
   Disciplined Monitoring
   Risk-based Allocation
   Sensible Simplicity

  Investment Committee

  Contact An Advisor

  Access Your Account

Independent, Critical Thinking

Independent, critical thinking is a hallmark trait of disciplinedIQ.

Generally speaking, investment and brokerage firms, mutual fund companies, and insurance companies contol much of the information advisors present to investors. Many investment advisors simply pass information along without questioning or evaluating whether this information is appropriate for their clients. Consider the following prime example:

It is a all-too-common concept that staying invested (especially during times when an investor may feel uneasy about elevated market risks) is Best Days Missed - Debunkedthe most appropriate investment strategy. To help illustrate this concept, investment companies produce informational brochures such as the one shown here to illustrate the negative effects of an investor "missing the good days" in the market if the investor were to decide to liquidate the investment. These illustrations will always show that staying invested will be better than missing any number of selected "good days".

However, do these illustrations ever show that an investor would do better if they were to miss any number of selected "bad days?" Of course not as this would be contrarian to the objectives of the investment company in earning revenue from investment clients.

This concept is "all-too-common" because advisors use this in virtually all market conditions and as general training to investors. However, this one-sided and highly biased concept really only has a very narrow and situation-specific place in investment management theory.

The disciplinedIQ Answer:

The disciplinedIQ process has critically discected this and other concepts to realize that many industry traditions do not appropriately service investors objectives or expectations. Another example is that we do not hesitate to provide disclosure into our investment evaluation findings whereas industry standards do not include such disclosure. Our investment process focuses on investor expectations, not on maintaining industry traditions.

Next>> Continue to Key Management Principle: Fee-based Compensation

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