Wisefactors

puts financial research to work for you

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Why

BUILT ON NOBEL-PRIZE WINNING RESEARCH

WiseFactors’ portfolios are a globally diversified combination of stock and bond Mutual funds, constructed using Size, Value, Momentum and Profitability.

MARKET TIMING DOESN’T WORK

Picking “hot stocks,” by definition, does not offer uniform returns. In fact, only 17% of those who follow this strategy beat the market after 10 years. Index-based investing, both commercial and private, has been empirically and repeatedly shown to provide consistently superior returns over time.

TRUST MARKET PRICES

Markets reflect the vast, complex networkof information, expectations and human behavior. These forces drive prices to “equilibrium” value. Because everyone has access to the same information, it is difficult, if not impossible, to choose stocks that outperform the market with any degree of consistency.

A DISCIPLINED APPROACH

History shows that to build wealth, you must look beyond the concerns of today and invest long-term.The only way to fully benefit from market returns is to be fully invested 100% of the time. Those who are currently “killing it” by timing the market, “get killed” in the race that matters — the long run.

DIVERSIFY GLOBALLY

The great Nobel laureate Harry Markowitz called diversification one of the economic world’s rare “free lunches.” It provides risk reduction without a corresponding dwindling of returns.

Low Fees

WiseFactors’ fees of 0.50% are among the lowest in the industry. Lower fees means more of your money is working for you.

Fiduciary

Wisefactors is a fiduciary, so we have a legal duty to act in your best interest.

Custodian

Your Money resides with a known and trusted custodian, TD Ameritrade.

Higher Returns Over Time

WiseFactors incorporates factor investing to globally diversified portfolios to increase returns.

 

Historically, equities trump bonds, cash and every other investment vehicle.

 

WiseFactors offers investors diversified cost-efficient access to small companies. Historically US small stocks outperform US large equities.

Value

Research shows that market, company size, and relative stock price drive returns. Historically value stocks outperform growth stocks.

PROFITABILITY

Expected direct profitability, gauged by gross operating margin, is also a proven indicator of higher expected returns.

Underperformance is costly

The cost of fees and underperformance over time can be siginificant. Given a $1 million portfolio, the pie charts below illustrate the erosion of earnings over a ten year period.

PORTFOLIO PERFORMANCE

$1 million invested in a portfolio with an 8% compounded rate of return over a ten year period is worth $2,158,925 today.

-$191,774

1% UNDER-PERFORMANCE

$1 million invested in a portfolio with an 7% compounded rate of return over a ten year period is worth $1,967,151 today.

-$368,078

2% UNDER-PERFORMANCE

$1 million invested in a portfolio with an 6% compounded rate of return over a ten year period is worth $1,790,847 today.

-$530,031

3% UNDER-PERFORMANCE

$1 million invested in a portfolio with an 5% compounded rate of return over a ten year period is worth $1,628,894 today.

SMARTER DIGITAL INVESTING

IN 3 EASY STEPS

Your money resides with a known and trusted custodian, TD Ameritrade

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  • Just answer a few questions to help us determine the best portfolio for your financial goals.
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  • Review our recommended Personal Investment Plan.
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  • Open Your Wisefactors account with our online independent custodian, TD Ameritrade.

WiseFactors is owned by VIA IV Investment LLC. VIA IV investments LLC is an Illinois registered investment advisor. By using this website, you accept our Terms of Use and Privacy Policy. Past Performance is no guarantee of Future results. Any historical returns, expected returns, or probablity projections may not reflect actual future performance. All securities involve risk and may result in losses.We do not provide financial planning services to individual investors.WiseFactors does not provide tax advice and does not represent in any manner that the outcomes described here in will result in any particular tax consequence. Prospective investors should confer with their personal tax advisors regarding the tax consequences based on their particular circumstances. WiseFactors assumes no responsibility for the tax consequence for any investor of any transaction.

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