Successful wealth creators know the difference between a saver and an investor.

Risk and return. You can’t have one without the other.

Trying to avoid risk may be the riskiest strategy of all.

Growth assets generally provide a higher expected return over defensive assets, but you must expect higher volatility as well.

The right asset allocation usually depends on two things:

1. what’s required to achieve your objectives, and
2. how comfortable you are with the volatility that comes with it.

Investment returns go through a cycle but it’s very difficult to pick the cycle consistently. This year’s winner can easily become next year’s loser so it’s best not to chase short-term performance.

Volatility will always exist, but it can be managed.

Don’t let your emotions drive your investment decisions.

Selecting the right investments starts with a thorough research process. Then it comes down to combining the right products for our client’s situation.