Taylor&Williams - personal wealth advisor

Whether you are building savings for a future goal or using savings for monthly income, investing is not easy.  At any point in time, someone can give you a perfectly logical explanation on why certain investments should do well, and someone else can clearly show why they won’t.  Our investment strategy is built to take that confusion out of the process.

First, we intentionally allocate our 4 different models into different categories.  The 4 models are Aggressive, Growth, Moderate, and Conservative.  While all 4 models typically include the same categories, the percentage in each will be different, based on risk.  (See our current allocations)  The allocations are tweaked each year based on the risks and opportunities at that time.

Second, a no-load, no-transaction fee mutual fund is selected for each category.  In short, we line up all the available funds in each category and sort them based on short term performance.  We select a fund from the top of the rankings and continue to hold that fund as long as it remains in the top 25% of the funds in that category.  When it does fall below the 25% mark, we sell that fund and select a replacement from the top of the rankings.  Our process safeguards against the natural fear and greed emotions that accompany investing.