Current Index Investors
If you are with an advisor
If you are currently working with an advisor, but are interested in learning more about working with us, then we suggest that you review our Fees and then please Contact Us. We’ll want to understand more about what you expect from an advisor so that we can be completely confident in your satisfaction.
If you are indexing on your own
If you are currently indexing on your own, then you’re to be congratulated for discovering a powerful investing tool. As you’ve probably realized, creating the perfect portfolio is no simple task. To gauge your risk level and then maximize returns can be very challenging. There are so many different asset classes, and so many different indexing options within each class.
Some wrinkles that will challenge even experienced index investors:
- If I want a small-cap or value tilt, what is the best way to achieve that without having too many highly-specific funds, which results in portfolio turnover and increased capital gains taxes.
- Are commodities considered an asset class, and if so what is the proper way to expose my portfolio to them? Should gold be treated differently from other commodities?
- What are international currency funds, how are they different from international fixed-income in general, and how should I allocate across them?
- What portion of my portfolio should be put towards real estate, and should this be in taxable or tax-sheltered accounts?
- How much international exposure is correct, and how should it be divided between developed and emerging marketing?
- How exactly should I treat my taxable and non-taxable accounts differently?
- Should an aggressive portfolio contain only stocks, or are there certain bond assets classes that are desirable?
- If I want to liquidate a large chunk of assets, how exactly should I do it?
- Rebalancing has transaction and liquidation costs, including taxes. How often should I be rebalancing, and is this different for taxable vs non-taxable accounts?
As index investing professionals, we are the first to admit that anyone can arrive at an opinion on the answers to these questions. The tougher trick lies in knowing which questions to ask, and in having the experience to back up your answers.
Good advice pays for itself quickly
At RAA, we know how to spend your time and ours to gauge comfort for risk and to construct appropriately efficient portfolios. We think you’ll enjoy working with us. Having an expert on retainer is a very powerful investing tool, and you need to improve only a few decisions to have a positive return on your investment.
We invite you to explore our site. Please recognize that much of it is geared to educating those who have less experience with index investing. When you’re ready, please Contact Us.
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