Let's Find the Right Mix of Risk and Reward
Balancing risk and reward for your personal situation is the essence of effective asset allocation. Should you invest in high-growth/high-risk stocks or can you reach your goals with low-risk bonds? No algorithm can assess your personal feelings about risk or fully appreciate and anticipate the needs of you and your family in the years ahead. That’s why our Trust and Investment officers spend the time to get to know you, your goals, your fears, your needs and your opportunities. Then — and only then — can we construct a portfolio that mixes different kinds of investments appropriate to you.
This process of spreading your money among different assets is critical to your investment performance; it can substantially reduce your risk and may enhance your returns over time.
The Right Allocation Makes All the Difference
Allocation has a major impact on your investment returns, accounting for perhaps 90% of your results. We believe the proper role of the professional Financial Advisor is to establish strategic asset allocation for the long run based on your individual needs and risk tolerance and to revisit the allocation decision periodically to take into consideration developments affecting you or your beneficiaries and the investment markets.
Trust and Investment Services are not FDIC insured, not deposits of the bank, not guaranteed by the bank, not insured by any government agency, and may lose value.