• Strategic Asset Allocation:

  The proportion of a client's assets allocated to bonds is determined by proprietary models that seek to minimize exposure to significant market collapses, yet participate in upward movement. This discipline assures that we are neither hyper-active managers nor totally passive. Rather we strategically allocate assets between these 3 elements: equities, bonds and natural resources.

• The Role of Bonds in the Portfolio

  We use laddered investment grade bonds to provide a greater level of security and lower volatility. The proportion allocated to bonds is primarily determined by the risk tolerance of the individual client. We acquire a diversified group of individual bonds, and avoid the use of bond funds.

• The Use of Index ETFs (exchange-traded funds):

  Index-based investing has been demonstrated to be empirically superior to managed equity investing over the long term.

• Diversification:

  Not putting all of one's eggs into a single basket is essential investment wisdom.

• Cost-Efficiency and Tax-Efficiency:

  The use of ETFs avoids the heavy management costs and trading fees normally associated with equity investing. Also because there are relatively few trades, there are typically very few taxable short-term realized gains. Bonds are bought directly though Schwab Institutional at a severely reduced cost to the client.

• The "RVW Asset Allocation":

  Our proprietary allocation includes a primary orientation towards value (AKA "Buffettology"), with international exposure, dividend-paying stocks, large and smaller companies and resources. Using Index-type funds ensures that investors are always automatically holding the "best-of-breed" in each category.

IMPORTANT: Investors should read the prospectuses of the various funds and the proposal documents carefully to properly understand the nature of the investments and the volatility of the portfolio. Past performance is not indicative of likely future results.

The model RVW portfolio has delivered superior returns historically and has beaten almost all of the wealth managers we track – and at far lower cost.

It was achieved using a radically simple investment approach - one advocated by Warren Buffett, Prof. Jeremy Siegel of Wharton and based on validated Nobel Prize winning theory for long term wealth optimization. It is highly disciplined, quantitative – and inexpensive.

RVW Investing: Combining bonds and Index funds:

Our team has picked just 11 ETFs and uses an asset allocation model that provides broad diversification in a tax-efficient and low-cost manner. It provides automatic dynamic ownership of the "best of breed" in each category. For the secure portion we advocate buying individual bonds rather than bond funds – and typically use a 5 year rolling maturity schedule of diversified investment grade bonds. Each client has his/her separate Schwab account - there is no pooling of assets into a single "fund". Our role is to manage your funds in accordance with the RVW approach, tailored to the risk-tolerance of the individual client and responsive to your "age and stage" in life.

The Science of Investing:

Debunking the active management myth It is well known that over a 10 year period around 90% of active asset managers and mutual funds fail to beat their benchmark indexes. And Intelligent Indexing™ beats basic indexing. Market timing, manager selection and stock picking don't work for most. You probably already know that from your own experience. Secure bonds anchor the portfolio to minimize market risk.

Invest Right. Then Sleep Tight®:

The development of RVW represents many years of diligent research and analysis. We are very proud of it and invite you to listen to the audio-briefing on our website, review our track record and be in contact for a more detailed explanation. At that time we'll also show you a comprehensive power point. If you're willing to trade stock-picking, manager / fund selection and market timing for low cost superior performance, then you're ready to become an RVW Investor.