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Capital Advisers Brochure

PHILOSOPHY AND PROGRAM

Asset allocation is the process of selecting investment "classes" to include in your portfolio so that the portfolio can achieve your investment goals within your risk parameters.

• DEFINING YOUR RISK PARAMETERS.
  Capital Advisers understands the importance of risk tolerance. Working with you, Capital Advisers will determine the extent of your ability to accept volatility in your portfolio.
  
  
• DEFINING YOUR INVESTMENT OBJECTIVES.
  Capital Advisers can develop a suitable investment program only if we know why you are investing. The objectives of a qualified retirement plan are very different from those of a couple saving for retirement or someone needing retirement income.
  
  
• IDENTIFYING APPROPRIATE ASSET CLASSES.
  Not all asset classes are suitable for any given portfolio. The selection of asset classes is a function of your risk tolerance and investment objectives.
  
  
• SELECTION OF FUNDS.
  Once the asset classes are established, the next step is the selection of specific mutual funds to implement the program. At this point, research and knowledge play a vital role. With over 9000 funds from which to choose, it takes skill to choose the right funds and the best managers.

Different fund managers employ different investment styles. Some managers are "growth" oriented, some are "value" oriented, and some employ a blend of styles. The importance of style allocation is that it can further reduce portfolio volatility. Simply stated, growth investments and value investments respond differently to various market conditions.

The goal of Capital Advisers is to design and manage a portfolio specifically for you - one that will help you reach your investment objectives without subjecting your portfolio to greater volatility than is absolutely necessary.