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Why should you pay someone to manage your investments?

Anyone can manage their own investments, just like anyone can eat healthier or set up an exercise program that they stick to. We’ll be happy to give you our instructions for the do-it-yourself investor for free, just fill out the form below and note that you want the DIY instructions.

So why would you hire Abacus to manage your investments? Here are our top five reasons:

  1. You prefer to focus on your life’s passions instead of researching investments and spending time trading and rebalancing your portfolio.
  2. You have concerns and fears about losing money in the market, and you need someone to help keep you disciplined when everything seems scary or euphoric, and everyone around you is running in one direction.
  3. You want access to institutional investments that are not available to all investors.
  4. You sometimes avoid dealing with your money because you don’t enjoy the process or it scares you.
  5. You want a third party to give you the comfort that you’re not missing something.

Schedule a call or meeting to discuss our investment management services






If you want some more information, here are our ten tips for a better investment experience

1 Focus on what you can control

A financial advisor can create a plan tailored to your personal financial needs while helping you focus on actions that add value. This can lead to a better investment experience.

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2 Manage your emotions

Many people struggle to separate their emotions from investing. Markets go up and down. Reacting to current market conditions and the daily headlines may lead to making poor investment decisions at the worst times.

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3 Be mindful of your impact

Every investment has an impact. There are three ways to bring personal values into an investment portfolio. You can remove companies that don’t match your values. You can invest more heavily in companies that do share your values. You can invest in companies that don’t match your values and then engage with the company to change their policies.

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4 Don’t try to outguess the market

The market’s pricing power works against mutual fund managers who try to outsmart other participants through stock picking or market timing. As evidence, only 19% of US equity mutual funds have survived and outperformed their benchmarks over the past 15 years.

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5 Resist chasing past performance

Some investors select mutual funds based on past returns. However, funds that have outperformed in the past do not always persist as winners. Past performance alone provides little insight into a fund’s ability to outperform in the future.

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6 Practice broad diversification

Diversification helps reduce risks that have no expected return, but diversifying within your home market is not enough. Global diversification can broaden your investment universe.

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7 Consider the drivers of returns

Academic research has identified these equity and fixed income dimensions, which point to differences in expected returns. These dimensions are pervasive, persistent, and robust and can be pursued in cost-effective portfolios.

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8 Let markets work for you

The financial markets have rewarded long-term investors. People expect a positive return on the capital they supply, and, historically, the equity and bond markets have provided growth of wealth that has more than offset inflation.

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9 Avoid market timing

You never know which market segments will outperform from year to year. By holding a highly diversified portfolio, investors are well positioned to seek returns wherever they occur.

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10 Follow your passion

You didn’t become successful by worrying about your money. Delegating to a financial advisor can allow you to focus on the things that bring you joy and eliminate the stress and worry of managing your own portfolio.

Maybe try meditation with your newfound time!

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We have no asset minimums for investment management, but we do charge a $2,400 per year minimum fee. If you enter a Financial Planning relationship, we’ll waive that minimum fee.

If you prefer to make financial decisions on your own, our self-study resources can help you out.

Disclosures (click to read)

Past performance is no guarantee of future results. Indices are not available for direct investment. Their performance does not reflect the expenses associated with the management of an actual portfolio.  Diversification does not eliminate the risk of market loss. There is no guarantee investment strategies will be successful. This information is for illustrative purposes only. See back page for additional exhibit information and important disclosures.

Exhibit 4: Beginning sample includes US equity mutual funds as of the beginning of the 15-year period ending December 31, 2014. Survivors are funds that were still in existence as of December 31, 2014. Non-survivors include funds that were either liquidated or merged. Outperformers are funds that survived and beat their respective benchmarks over the period.

Exhibit 5: The graph shows the proportion of US equity mutual funds that outperformed and underperformed their respective benchmarks (i.e., winners and losers) during the initial 10-year period ending December 31, 2009.Winning funds were re- evaluated in the subsequent five-year period from 2010 through 2014, with the graph showing winners (outperformers) and losers (underperformers). Fund count and percentages may not correspond due to rounding.

Data Source (Exhibits 4, 5, and 7): The US Mutual Fund Landscape 2015, Dimensional Fund Advisors. US-domiciled mutual fund data is from the CRSP Survivor-Bias-Free US Mutual Fund Database, provided by the Center for Research in Security Prices, University of Chicago. Benchmark data provided by MSCI, Russell, and S&P. MSCI data © MSCI 2015, all rights reserved. Russell data © Russell Investment Group 1995–2015, all rights reserved.The S&P data are provided by Standard & Poor’s Index Services Group. Benchmark indices are not available for direct investment.Their performance does not reflect the expenses associated with the management of an actual portfolio. Mutual fund investment values will fluctuate, and shares, when redeemed, may be worth more or less than their original cost. Diversification neither assures a profit nor guarantees against a loss in a declining market.

Exhibit 6: Number of holdings for the S&P 500 and Abacus Rainbow Portfolio as of December 31, 2014. Indices are not available for direct investment and their performance does not reflect the expenses associated with the management of an actual portfolio. International investing involves special risks such as currency fluctuation and political instability. Investing in emerging markets may accentuate these risks. Past performance is not a guarantee of future results.The S&P data are provided by Standard & Poor‘s Index Services Group. MSCI data © MSCI 2015, all rights reserved.

Exhibit 7: Relative price is measured by the price-to-book ratio; value stocks are those with lower price-to-book ratios. Profitability is a measure of current profitability, based on information from individual companies’ income statements.

Exhibit 8: In US dollars. Indices are not available for direct investment.Their performance does not reflect the expenses associated with the management of an actual portfolio. US Small Cap Index is the Fama/French US Small Cap Index; US Large Cap Index is the Fama/French US Large Cap Index; Long-Term Government Bonds Index is 20-year US Government Bonds;Treasury Bills are One-Month US Treasury bills; Inflation is the Consumer Price Index. Fama/French data provided by Fama/French. Eugene Fama and Ken French are members of the Board of Directors for and provide consulting services to Dimensional Fund Advisors LP. Bonds,T-bills, and inflation data © Stocks, Bonds, Bills, and Inflation YearbookTM, Ibbotson Associates, Chicago (annually updated work by Roger G. Ibbotson and Rex A. Sinquefield). Past performance is no guarantee of future results.

Exhibit 9: In US dollars. Chart is for illustrative purposes only. Index descriptions for asset groups: US Large Cap is the S&P 500 Index, provided by Standard & Poor’s Index Services Group. US Large Cap Value is the Russell 1000 Value Index. US Small Cap is the Russell 2000 Index. US Small Cap Value is the Russell 2000 Value Index. Russell data © Russell Investment Group 1995–2015, all rights reserved. US Real Estate is the Dow Jones US Select REIT Index, provided by Dow Jones Indexes. International Large Cap Value data provided by Fama/French from Bloomberg and MSCI securities data. International Small Cap Value data compiled by Dimensional from Bloomberg and Style Research securities data. Emerging Markets is the MSCI Emerging Markets Index (gross dividends), © MSCI 2015, all rights reserved. Five-Year US Government Fixed is the Barclays CapitalTreasury Bond Index 1−5Years,formerly Lehman Brothers,provided by Barclays Bank PLC.Indices are not available for direct investment.Index performance does not reflect the expenses associated with the management of an actual portfolio. Past performance is not a guarantee of future results.

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