Our Process
Building Your Personalized Blueprint
Risk Tolerance Assessment
A fundamental issue to consider when planning your investment strategy, either alone or in consultation with a professional, is determining your tolerance to risk. Critical to the foundation of your investing strategy is your understanding and comfort with risk. .
1. Asset Allocation: Determining asset-class weights: equities, fixed income and cash. 2. Sub-Asset Allocation: Investments within an asset class, such as U.S. or international equities; large-, mid-, or small-capitalization equities. 3. Active / Passive Allocations: Utilizing indexed and/or actively managed assets. 4. Asset Location: Deciding on the placement of investments in taxable and/or tax-advantaged accounts. 5. Manager Selection: In-House, Third Party managers, funds, or securities to fill allocations.Investment Policy Statement
The Investment Policy Statement is the blueprint utilized by D.A. SCHWENKER & ASSOCIATES providing the general investment goals and objectives of a client and describes strategies that we will employ in order to meet these objectives. Specific information on matters such as asset allocation, risk tolerance, and liquidity requirements.
Portfolio Construction
Attaining the goals and objectives outlined by your Investment Policy Statement require a disciplined method of portfolio construction balancing the potential risks and returns and the various asset classes and types of investments. Five primary investment decisions are typically made during this process:
1. Asset Allocation: Determining asset-class weights: equities, fixed income and cash. 2. Sub-Asset Allocation: Investments within an asset class, such as U.S. or international equities; large-, mid-, or small-capitalization equities. 3. Active / Passive Allocations: Utilizing indexed and/or actively managed assets. 4. Asset Location: Deciding on the placement of investments in taxable and/or tax-advantaged accounts. 5. Manager Selection: In-House, Third Party managers, funds, or securities to fill allocations.
Portfolio Management
Portfolio Management is the implementation and on-going monitoring and review of the Portfolio Construction. This is achieved through disciplined methodical process by our investment committee, along with regular client review meetings, and internal portfolio construction reviews.formulating a secure, sustainable and predictable long term retirement plan
Performance Reporting
Investment reports will be provided on a monthly basis by the custodian of assets. In addition, a brief quarterly review of portfolio performance is provided. Third party managers utilize varying reporting methods. Our goal is to provide transparency at all times by providing frequent investment performance.
Short, Intermediate and Long-Term Investment Planning
Whether you’re in, nearing, or decades away from retirement, you face an increasingly complex challenge — acquiring and growing assets to maintain the lifestyle you’ve become accustomed to. A comprehensive investment plan entails much more than a portfolio of stocks, bonds and cash. At D.A. Schwenker & Associates we craft an Investment Policy critical to the long-term success of an investment strategy and acts as the blueprint for all parties involved. It mitigates the impact of emotions and subjectivity, addresses conflicts of interest, various risks and client specific objectives. In fact, having an Investment Policy Statement is generally considered a “best practice” for qualified retirement plans, certain trusts, foundations and endowments.
