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.
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.
WiseFactors’ fees of 0.50% are among the lowest in the industry. Lower fees means more of your money is working for you.
Wisefactors is a fiduciary, so we have a legal duty to act in your best interest.
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.
Research shows that market, company size, and relative stock price drive returns. Historically value stocks outperform growth stocks.
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.
$1 million invested in a portfolio with an 8% compounded rate of return over a ten year period is worth $2,158,925 today.
$1 million invested in a portfolio with an 7% compounded rate of return over a ten year period is worth $1,967,151 today.
$1 million invested in a portfolio with an 6% compounded rate of return over a ten year period is worth $1,790,847 today.
$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
- Just answer a few questions to help us determine the best portfolio for your financial goals.
- Review our recommended Personal Investment Plan.
- Open Your Wisefactors account with our online independent custodian, TD Ameritrade.