Our investment philosophy

Our world has changed irreversibly.  Globalization, the explosion of available financial products and the often irrational behavior of investors are just some of the reasons why we believe that a traditional “buy and hold” investment strategy comprised only of stocks and bonds is no longer sufficient to meet the needs of many of our clients.  We work with a large number of strategic partners to offer our clients a wide variety of investment strategies, customized to each of their goals.    

What We Believe

• Investment strategies need to be goals-based.  You may have more than one goal.  Maybe it’s a comfortable retirement at age 65, education for your children or grandchildren or leaving a personal legacy to future generations and charities you care about.  Different goals have different cash needs, time frames and risks.  We customize our investment recommendations to each individual goal, using investment strategies that make sense for each one.
• A variety of investment solutions are needed to help clients reach their goals.  For some clients, a traditional investment portfolio is not enough.  They may need to grow their assets to reach their goals but are looking for a safety net to reduce risk when markets falter.  Or they want to secure some lifetime income.  Through our many strategic partners, we offer different solutions to meet the varying needs of our clients.
• Markets are not always efficient.  Investors are not always rational.  When fear or greed are dominant emotions, there are opportunities to invest in what is cheap and cut back on or avoid what is expensive.  As simple as that sounds, many investors do the opposite.  We believe that it is possible to improve returns over time through rational analysis and patience rather than giving in to emotion and running with the herd.
• Diversification needs to be meaningful.  Increasing return and reducing risk requires diversification - investing in a variety of assets that react differently from each other in both good times and bad.  But in a global world, it is harder than ever to find investments that offer true diversification, especially when fear sets in.  We believe that investing in alternative asset classes such as oil and other commodities, foreign currencies and “absolute return” strategies are important to improving risk-adjusted returns.
• Taxes matter.  Investments held in retirement accounts such as 401(k)s or IRAs are taxed very differently from investments held outside of these accounts.  Yet many investors don’t make any distinction when they choose what to invest in.  The cost in after-tax return can be severe.  We think that for most clients, a tax aware approach to investing, with different strategies for retirement and non-retirement accounts, can significantly improve our clients’ chances of reaching their goals.

Whatever your situation, Pegaesus Advisors can offer you an investment plan that is forward-thinking, tax-efficient and customized to help you to meet your unique goals.