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Our Strategic Advantage

The edge you will get with Paisley Financial lies within our strategic design to Capital Management. Our Trilateral Active Management approach is our optimal way to achieve maximum diversification & growth, as it encompasses all of our active management capabilities into a single, engine.

Active Strategic Management

  • Growth Strategies

    An aggressive portfolio strategy mostly comprised of our top growth stocks which aims to maximize capital growth. Risk is typically managed through the use of a well-diversified stock portfolio.

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  • Moderate Strategies

    Strategies that attempt to achieve growth but is averse to taking on large amounts of risk by tilting towards stocks, up to 60%. Growth is placed as the primary emphasis and current income as their secondary emphasis though may change depending on prevailing market conditions. 

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  • Conservative Strategies

    An amalgam of fixed income & short term revenue generating instruments that are focused on low risk objectives. The investments sought are of a high yield with a steady dividend history. Option strategies may be use to grind out additional gains or to work as a volatility hedge.

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  •  Hedge Fund Style (Long/Short)

    Our Trilateral Active Management approach is our optimal way to achieve maximum diversification & growth, as it encompasses all of our active management capabilities into a single, engine. The strategy incorporates all of our fixed income, currency, equity and commodity trading strategies we have developed into a model that will ebb and flow with volatility, growth, recessive interruptions or trends and all invested in a securities-only product.

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  • Active versus Passive Management

    Active management is the art of stock picking and market timing. Passive management refers to a buy-and-hold approach. Buy and Hold worked well enough until 2008 when the DOW dropped 37% and has still not recovered. To understand the right choice for you, please learn more below.

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Mutual Fund Strategies

Many investment advisors choose mutual funds based solely on the funds' past performance. However the advertised stellar performance is not a guarantee of future success, especially when it comes to relatively new or small funds. A few of the factors that we use when determining if a Mutual Fund investment is the right investment for you are as follows.

Age and Size of Fund:
Before considering investing in a particular fund read the prospectus to see since when it has been operating and what its asset size is. Often while funds are still small just a few successful stocks can have a great impact on their performance and lead to excellent short-term performance records. However, as funds grow such great results are more difficult to sustain since a larger number of stocks are owned by the fund and they cannot influence the fund's performance that easily.

Fund Risks:
You should be well aware with the risks the fund takes in order to achieve its results. Higher rates of return are usually associated with higher risks, which may be beyond your comfort level or inconsistent with your financial goals. Always take into account your risk tolerance and long-term investment strategies when picking the right mutual fund for you.

Fund Volatility:
Typically, higher volatility means higher investment risk. Therefore if you are looking for a shorter-term investment you should avoid funds with a volatile history since you will not have much time to overcome eventual declines in the stock market.

Fund Fees, Sales Charges and Expenses:
When you invest in a mutual fund you will be charged various fees and expenses. A low-cost fund may perform worse than a high-cost fund and still generate the same returns for you. Take your time to calculate how the costs of different mutual funds will affect your returns since even small differences in the fees and expenses may lead to large differences in the returns you get. If you need any help with determining these costs, talk to a Paisley Advisor who can help you decipher everything correctly and we also have over 10,000 funds to chose from via our custodian TD Ameritrade.

Taxes at Distribution:
Generally, you will owe taxes when you receive a capital gains distribution from a fund. Your tax bill will be affected even if the return has been negative since you invested in the fund so you should preliminarily find out when your fund will make its distributions and assess the right time to invest in it.

Changes in the Fund's Operations;
If the fund has recently changed its investment strategy or its investment adviser, its performance may change too. Therefore, always inform yourself about any recent changes in the fund's operations before considering investing in it.

Understand that most Mutual Funds offer little or no protection against downside movement as seen in 2008. Just like with any investment it is always important to determine why to invest when to invest, and most importantly when not to invest.

Mutual Fund Management Notes:
Only about 30% of mutual funds are active enough that the manager has the latitude to move completely out of an asset class in decline, which is what many investors expect from active management. Of these 30% of funds there are out performers and underperformers, but this group that outperforms is also the same group that outperforms passively managed portfolios over long periods of time.

Due to mutual fund fees and/or expenses, it is possible that an active or passively managed mutual fund could under perform compared to the benchmark index, even though the securities that comprise the mutual fund are outperforming the benchmark, because indexes themselves have no expenses whatsoever. However, since many investors are not satisfied with a benchmark return a demand for actively-managed continues to exist.

As you can see, many other factors besides the fund's past performance should be taken into account when deciding which mutual fund is appropriate for you your investment needs and when it is a good time to be in the market.  Please give us a call should you have any questions.