Investment Philosophy
Gaining an understanding of the correlation between risk and return is critical for all investors, particularly those planning for long-term goals, such as retirement. Choosing among the wide variety of available products to create a desirable asset allocation can prove to be difficult.
Recognizing the virtues of asset allocation, H&W set out to address the difficulty in creating a properly allocated portfolio. This difficulty was the genesis of the SmartGrowth® Mutual Funds. H&W developed a diversified investment concept that incorporates exchange traded funds ("ETFs") and asset allocation. The next step was to take this idea and formulate it into an investment vehicle.
The foundation of the approach rests on a series of asset allocation funds built on freshly constructed benchmarks. For construction of the dynamic benchmarks specifically designed to deliver risk/reward optimization, H&W partnered with Lipper®, a Reuters company. Lipper® is a globally recognized, leading provider of fund data and analysis. Early in the process, H&W and Lipper® concluded that the best vehicle to support their portfolio optimization strategy was a relatively new form of security - the ETF. Representing baskets of underlying securities, ETFs are open-ended mutual funds that trade like stocks on major exchanges.
For more information on the Lipper indices, please click the following link: www.lipperweb.com/research/optimal_indices.asp.
Asset allocation cannot guarantee a profit or protect against loss.
