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Investment Management

Investment Management

The implementation of your financial plan likely will involve investing some portion of your savings to pursue your defined goals. Your investment portfolio will consider the time horizon of your goals, your ability and willingness to withstand the ups and downs of markets, income needs and tax sensitivity.

In combination with your needs, the investment portfolios recommended by Sanitas Wealth Management are guided by certain investment principles which we believe are critical to long term outcomes:

  • Markets Are Efficient
    When the stock market was in its infancy, information took time to spread and to be incorporated into analyses. It was possible to gain an advantage through research which identified facts that had not yet become widely known. Today that is not the case. Computers parse earnings, press reports, economic data and news and trade on that information immediately. As a result of this information efficiency, it has become difficult to gain a research advantage.
  • Expenses Matter
    Anything that reduces returns today will have a more significant compounded effect on long-term outcomes. Therefore we believe expense ratios, transaction expenses, and taxes must be minimized where possible. Higher expense ratio products have a significant burden of proof to demonstrate value added management.
  • Diversification Matters
    Market history is littered with investors who lost all by concentrating wealth in a single stock (see Enron) or sector (most “.coms” in the late 90s). While diversification does not guarantee against investment losses, historically a balanced portfolio of stocks and bonds have mitigated losses through downturns.* The idea of improving investment outcomes through diversification was established in a Nobel prize winning theory called Modern Portfolio Theory and continues to guide portfolio construction today.

Sanitas Wealth Management will work with you to design a portfolio invested with your financial goals in mind, and which will be guided by our investment principles. As life events and your personal circumstances change, your financial plan and your investment strategy will be re-evaluated and will evolve to remain consistent with your needs.

*Asset allocation and diversification do not guarantee against investment losses. Bonds may underperform in a rising rate environment.

For more information, or to schedule a complimentary consultation, please provide the following:

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