Quarterly Thoughts – Q4 2007

Market volatility is the norm, not the exception. Clear patterns seem to appear… and then disappear. The “Periodic Table of Investment Returns” illustrates this well, and a strategic approach to investing ensures that investors benefit from the best returning asset classes, while avoiding over-exposure to the worst performing asset classes. The key message is that a diversified portfolio approach will combine many or all of these and other asset classes (as appropriate for your specific goals) to reduce price fluctuation risk, or “volatility,” and provide a more predictable and smoother financial journey.