At Index Fund Wealth Group we help our clients accomplish their most cherished financial goals by adhering to the following beliefs.

  1. No one can consistently predict future investment returns, whether that be for the stock market as a whole or an individual company.  This is an uncontrollable.
  2. Client behavior is the most important determinant of lifetime-investment results.  A good plan is useless if it is not implemented nor adhered to. This is a controllable.
  3. A customized financial plan that has been analyzed to show success over your entire lifetime, even in the worst return periods of the past, is the foundation for all future actions we take, including the creation of an investment strategy.  This is a controllable.
  4. The financial plan is the rudder to the investment strategy's sailboat.  Without a plan, you will go wherever the wind takes you and risk not getting to your destination.
  5. The percentage mixture of stocks versus bonds, otherwise known as your Target Asset Allocation, is the second most important determinant of lifetime-investment results.  This is a controllable.
  6. Owning the different types of stocks(Large, Mid, Small, International) and the different types of bonds(Government, Corporate, Certificates of Deposit) is called Diversification.  Diversification is the third most important determinant of lifetime-investment results. This is a controllable.
  7. When your percentage mixture of stocks versus bonds deviates from your target asset allocation, getting back to target on an annual basis is called Rebalancing.  Rebalancing is the fourth most important determinant of lifetime-investment results. This is a controllable.
  8. Finally, Investment Selection, otherwise known as choosing which large cap fund to hold and which international fund to hold is the least important determinant of lifetime-investment results.  This is a controllable.
  9. At Index Fund Wealth Group we help our clients accomplish their most cherished financial goals by controlling the controllables and not wasting time, stress nor energy on the uncontrollables.