Investment strategies that can get you over the finish line.

Retire Smarter was born from the idea that a new era of wealth transfer needed a new way to access professional retirement planning — Learn how our proven retirement investment strategies will benefit your client’s retirement long term.

Investing can be a daunting task, especially for those who are new to the world of finance. With so many options and strategies available, it can be overwhelming to know where to start. However, with the right investment strategies, you can reach your financial goals and cross the finish line with confidence. In this article, we will discuss three investment strategies that can help you achieve success in the world of finance.


One of the most important investment strategies is diversification. This means spreading your investments across different asset classes, such as stocks, bonds, and real estate. By diversifying your portfolio, you can reduce your risk and protect yourself from market fluctuations. For example, if the stock market crashes, your investments in bonds and real estate may still be performing well, helping to balance out your losses. Diversification is a key strategy for long-term success in investing. But with diversification, the losers pull down the winners, reducing your return over time.

Quality suffers when you own inferior investments along with good investments — Below average returns result from transaction fees or high fund fees.

We rarely focus on the disadvantages of diversification in investing because we are taught the purpose of portfolio diversification is to lower portfolio risk. In fact a certain amount of diversification is crucial, otherwise you will be taking risk that you will not be compensated for. However, some lessons can be over learned. Diversification done improperly, including over diversification, can be very harmful.

According to SPIVA, During the one-year period, the percentage of managers outperforming their respective benchmarks noticeably increased, compared to results from six months prior. Over the one-year period, 56.56% of large-cap managers, 60.69% of mid-cap managers, and 59.55% of small-cap managers underperformed the S&P 500, the S&P MidCap 400, and the S&P SmallCap 600, respectively.

While results over the short term were positive, the figures are more in line with historical results when viewed over longer-term investment horizons. Over the five-year period, 82.38% of large-cap managers, 87.21% of mid-cap managers, and 93.83% of small-cap managers lagged their respective benchmarks. We’ve all been taught to buy and hold, but who benefits from it the most?

active versus passive debate.

There is nothing novel about the index versus active debate. It has been a contentious subject for decades, and there are few strong believers on both sides, with the vast majority of market participants falling somewhere in between.

underperforming municipal funds.

The majority of municipal funds underperformed over the 12-month period, despite promising results over the three- and five-year investment horizons. However, over the 10- and 15-year periods, most muni funds underperformed their benchmarks. While these funds underperformed over the long term, it should be noted that municipal categories have some of the best survivorship statistics.

Investing can be a complex and ever-changing world, but with the right strategies, you can navigate it successfully. Diversification, dollar-cost averaging, and growth and value investing are just a few of the many strategies available to investors. It’s important to do your research and consult with a financial advisor to determine which strategies are best for your individual goals and risk tolerance. By implementing the right strategy, you can increase your chances of reaching your financial goals and crossing the finish line with confidence… And we can help you with that.

We’ve all been taught to buy and hold, but who benefits from it the most? On protection from market losses — If you’re not moving in this particular direction, you’re either at the table or on the menu.

Our Concierge Client Team is here to help you reach your financial goals — Learn more about our unique approach, here.

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October // 2023

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November // 2023

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