SIP Fund Management Services
High Falls Advisors LLC
offers the SIP Fund Management Service. We provide a style of management that works to
control the downside risk of your portfolio. The long term performance trends of the
funds available to SIP clients determine the extent to which you are invested in
equity funds, or under the stability of the fixed income fund. Using long term trends
as buy or sell signals is a technical concept based on historical values. We do not
attempt to predict future trends in the market, but we pay attention to long term
trends. When we approach a negative threshold, we react in a defensive way, thus
controlling the downside risk of the portfolio.
|
|
Asset Allocation
All investment markets have good years and bad years. The investor does not know in
advance which market will outperform the other. Therefore, the concept of asset
allocation allows the investor to participate in the performance of all markets in
a well-diversified portfolio. This service sets a target asset allocation that is
unique to each investor and would be fully “invested” only when every fund is
performing above its long term trend.
Fund Selection
SIP funds are analyzed continuously to determine their inclusion or exclusion
in the service. Funds that are used in the management service are selected from
those we believe will provide the best representation of each broad investment
category, including fixed income, (as of the most recent update on January 4, 2010
the underlying annual yield on the fixed income fund was 4.27%),
large cap stock (value and growth) mid cap stock,
small cap stock and international stock.
Retirement Benefits Consulting
We provide our clients with a clear understanding of their benefit options
before and after retirement. Based on combined corporate benefits experience
exceeding 50 years, our professionals help clients with their pension payment
decisions. In addition we provide survivor counseling in the event of death.
• See Jim McBride for more
|
Management Process
Our service tracks participating funds on a daily basis. When a selected fund’s
unit value is above its long term average, the target allocation to that fund is
invested. When the unit value falls below its long term average, the allocation
goes into SIP’s fixed income fund to wait out the downward trend for that fund.
At the end of the year, the portfolio is rebalanced to the original asset allocation.
Pricing
Starting with your initial consultation, we help you determine your goals and
identify your risk tolerance. Participants in this program are billed every 3
months based on the value of their funds at the end of each quarter. The annual,
ongoing management fee is calculated as a percentage of total asset value.
• See Jim Englert for more
|
|
|
