Our Investment Philosophy

Learn our tenets for successful investing

Our Investment Philosophy


Investing in the financial markets is one of life's most personal experiences. It not only reflects individual biases toward the financial markets, but also is informed by relationships with family members, individual goals and objectives, and feelings about risk.

Experience has taught us that successful investing requires discipline and patience. A long-term investment focus can help when emotions run high. While balancing ongoing changes can seem daunting, a steady course can help buffer you against turbulence and uncertainty.

At BluePrint, we help you navigate today’s financial markets and cut through the noise by aggregating highly rated institutional quality research from a diverse array of sources and disciplines, including Fundamental, Technical, and Quantitative research approaches. By continuously analyzing, integrating and reevaluating this research, we aim to effectively construct multi-strategy portfolio solutions that are unbiased, evidence based, tax sensitive and cost conscious.

1

Belief #1

Emotion should be removed from the investment process.


“The investor’s chief problem and even his worst enemy is likely to be himself.”
– Benjamin Graham

BluePrint is committed to the study of behavioral finance, a relatively new field that combines psychological theory with finance. This information helps us understand why people make the financial decisions they do. Armed with this knowledge and an unbiased, evidence-based approach to investing, we believe our team is your advocate to help you avoid behavioral pitfalls such as an emotionally driven, ill-timed investment decision.

2

Belief #2

You should invest to achieve your goals.


“At the end of your life, saying ‘I beat the S&P by 3 percent’ doesn’t mean anything. But if you say, ‘I invested well, I had a nice house, my kids went to a good school,’ that’s something.”
– Ashvin Chhabra

In lieu of offering a one- or few-size-fits-all approach to investment recommendations, our goals-based approach focuses on creating the unique allocation that works for you. Our Wealth Managers typically analyze specific objectives, personal biases, investment preferences, and unique circumstances prior to offering portfolio construction advice. Our optimal result is a portfolio allocation that aligns your financial objectives to specific investment accounts and strategies. Through goal-based investing, we believe that we can offer the realistic expectations that will allow you to stick to your strategy for the long term.

3

Belief #3

Cost inefficiencies hurt investors.


“The miracle of compounding returns is overwhelmed by the tyranny of compounding costs.”
– John Bogle

BluePrint’s offerings emphasize a fair, flexible, and transparent pricing framework. Our internal research protocols include robust screening of an investment’s true cost and our portfolios are focused on lower-cost investments, such as exchange-traded funds, individual securities, and institutional-class mutual funds.

4

Belief #4

Downside risk management matters.


“The most important thing to do if you find yourself in a hole is to stop digging.”
– Warren Buffett

While we strive for consistent, market-based returns for our clients, consideration must also be placed on protecting against downside exposure and the potential loss of principal. Experience teaches us that this bias toward risk management is important for both psychological and mathematical reasons.

5

Belief #5

Traditional diversification isn’t enough.


“The only investors who shouldn’t diversify are those who are right 100 percent of the time.”
– John Templeton

Most investors understand that diversification is an important element of creating an efficient portfolio. Our experience has taught us that many investors benefit not just from the traditional diversification of different asset classes (such as stocks, bonds, etc.), but also from diversification of investment types (individual securities vs. exchange-traded funds vs. mutual funds), diversification of holding strategies (tactical vs. passive), and diversification of tax characteristics (taxable vs. tax-deferred vs. tax-free).

BluePrint client portfolios are generally comprised of one or more BluePrint investment strategy (“Strategy”). Strategies vary in their level of risk tolerance, asset or specific asset class allocation, asset allocation style, investment approach, investment allocation style, and investment goals. BluePrint can make investment decisions specific to the Strategy while being able to efficiently evaluate these decisions across applicable client portfolios.

As ingredients, blending Strategies allows for a tailored portfolio providing the risk tolerance, asset allocation, investment allocation style, and diversity appropriate to each client. Further, as separate managed accounts, each client portfolio can be reviewed to evaluate how individual holdings may be within or out of tolerance as compared to its individual Strategy composition, and taxes as well as expenses can be considered prior to implanting any individual portfolio changes.

Diversification Options Available:

  • DIVERSIFICATION BY ALLOCATION STYLE
    Stocks   |   Bonds   |   Exchange Traded Funds (ETFs)   |   Mutual Funds   |   FDIC Deposit Products   |   Money Markets   |   Fixed Insurance Products
  • Diversification by Allocation Style
    Tactical   |   Strategic
  • Diversification By Investment Approach
    Long-Term Purchases   |   Short-Term Purchases   |   Trading   |   Short Sales   |   Margin Transactions   |   Option Writing
  • Diversification by Fund Manager Style
    Passive | Active
  • Diversification by Tax Characteristics
    Taxable   |   Tax Deferred   |   Tax-Free

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