Investment Management is a science, an art, and a practice as articulated by David Booth, Founder and Chairman of Dimensional Funds. It requires knowledge, training, experience and discipline. Mosaicfi takes a long term approach knowing that focusing on what we can control, strategy and execution will, in the long run, return better results. Our investment management practice starts with knowing the risk appetite and financial objectives of each client and designing the proper asset allocation.
Charles Schwab Dimensional Fund Advisors Vanguard iShares ETFs Morningstar
We partner with some of the best providers in the industry to provide our clients with the highest level of service.
Charles Schwab
Dimensional Fund Advisors
Vanguard
iShares ETFs
Morningstar
Investment Management
what we do
Academic research* shows that asset allocation determines 90% of an investor’s market returns. That is our focus and is the most important investment decision we can make for our clients. We invest to maximize growth for a level of risk that is appropriate for each client.
We include social and sustainably responsible investments for clients who believe this should be a priority. An important factor to optimizing the returns of a portfolio is keeping underlying expenses low; this is an important consideration for us when making investment decisions.
*Gary, Brinson, Brian D. Singer, and Gilbert L. Beebower, Determinants of Portfolio Performance II: An Update, The Financial Analysts Journal, 47, 3 (1991)
We then decide on a time-horizon for getting each client invested. We do not try to ‘time’ the market or predict short-term movements. We are long-term investors with the knowledge that markets will provide positive returns over time.
Diversified portfolios require consistent rebalancing as markets move in order to maintain the risk/reward strategy of the portfolio. We provide a disciplined approach to investing that allows for “buying low/selling high” over time. We monitor each client’s portfolio to implement a tax-efficient rebalancing program that consistently adjusts the portfolio as the markets fluctuate.
