My goal is to look ahead at the markets in relation to the economy, business cycle, and changing events. I try to be cognizant of what has happened in the past but do not use past performance as what is indicative in the future. I study the investments I use for my clients and often have the same positions myself. I invest based on your risk factors and suitability.
The products that I invest in at Charles Schwab will use the lowest expense investments considering the markets outlook. They include Exchange Traded Funds (ETFs), individual stocks, some mutual funds and bonds.
I like ETF’s because most offer internal expenses that are a fraction of what regular mutual funds and are without front end fees or surrender expenses. Immediate trading abilities are also an advantage and certain tax control variables in non retirement accounts. In short ETF’s offer hundreds of investment options that vary from Broad Market Indexes to Specific Sectors or Industries and a wide array of International choices. ETF’s have no 12b-1 expenses like mutual funds.
A sample Portfolio containing the following 3 Super Low ETF Investment Expenses would look like:
This illustrates $4 per $10,000 invested
Annual management expenses assessed via DSMI on your Charles Schwab accounts will range from .80% to 1.00% per year. Many accounts have annual management expenses of 1.0% per year. One quarter of the annual fees are taken out at the end of the quarter.
Large National Firms sometimes have conflicts of interest because they have to pay tiers of executives, stockholders, advertisers and advisors. The products recommended may not be what you really need.
As An Independent Advisors, Our Obligation Is To Our Clients Offering You
All accounts are Discretionary
