1

Faith in the Markets

Optimism is the only realism – the only world view that squares with the facts, and with the historical record. Despite world wars, natural disasters, terrorist attacks, changing political landscapes, etc, the markets have proven to be incredibly resilient. We see this in every aspect of our lives, and the older we get, the more obvious it becomes.

2

Tune Out the Noise

We live in an age of late-breaking news. The 24/7 financial news cycle and the endless babble of talking heads pressuring us to do something right now! If your goals haven’t changed, don’t change your plan.

3

Minimize Costs

The lower your investment costs, the greater share of an investments return. We can’t control the markets, but we can minimize investment costs and taxes. At DWM, we efficiently structure your portfolio by locating your assets in appropriate accounts to help you achieve higher net after-tax value overtime.

4

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

5

Asset Allocation

In a 1991 study, researchers determined that over 91% of long-term investment volatility came from decisions about one’s asset allocation. At DWM, we use an individualized approach for asset allocation depending on each client’s financial goals.

6

Practice Smart Diversification

Diversification is one of the best ways to manage risk, reduce uncertainty, and increase the reliability of outcomes. Diversifying within your home market is not enough. Global diversification can broaden your investment universe.

7

Avoid Market Timing

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

8

Manage Your Emotions

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

9

Rebalancing

Rebalancing is the process of realigning the weightings of a portfolio’s assets. Periodically buying or selling assets helps the investor maintain the desired asset allocation mix. Balance is key.

10

Focus on What You Can Control

Dechtman Wealth Management offers expertise and guidance to help you focus on actions that add value. This can lead to a better investment experience and improve your odds of success.• Create an investment plan to fit your needs and risk tolerance.• Structure a portfolio using evidencebased investing.

  • Diversify globally.
  • Manage expenses, turnover, and taxes.
  • Stay disciplined through market dips and swings.