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Investment Management

What is Investment Management?

Investment management is the process of building, implementing and monitoring a portfolio of stocks, bonds, real estate, and other suitable vehicles to help you accomplish your goal(s).
Whether you are looking to completely outsource investment management duties or share the responsibility with an investment professional, Otium offers sophisticated yet simple strategies to grow, preserve, or distribute capital from your portfolio.

Features & Benefits

Personal assessment

Understanding your financial priorities, ultimate objective, attitude towards risk, and time horizon

Management using IPS

Create a portfolio strategy that reflects your personal assessment. Discretionary or nondiscretionary management

Integration with your plan

The investment portfolio is one puzzle piece to the overall plan. Ensure there is a harmonious fit with other financial disciplines

Rebalancing

Periodic adjustments are made to asset allocations that exceed +/- 5% of your original strategy

Monitoring

Track the progress of customized portfolio with assigned benchmarks to measure performance and determine need for adjustments

Semi-Annual performance review

A performance report will be accompanied by a meeting, twice per year, to discuss the progress

HOW WE MANAGE PORTFOLIOS

1

Efficient Data Gathering

We rely on technology to sync, collect and process data saving you time and effort.

2

Comprehensive guidance

Our portfolio management process incorporates your existing financial plan + tax plan + retirement plan.

3

Follow your unique IPS

Outside of the foundational elements, no two portfolios are alike. Therefore, knowing the objectives, timeline, and risk level of our clients is of upmost importance.

4

Collaborative Implementation

Portfolio management is a two-way street. Requires both manager and client to be on the same page and accomplish tasks needed to manage effectively

5

Monitor the Progress

Gauge progress periodically and stay disciplined. Quarterly performance reports will be generated and accessible. Recommendations will be implemented when applicable.

FAQ

How does investment management work?
First, we take the time to understand your timeline, risk tolerance and capacity, and most importantly, your objectives.

Second, we research and employ globally focused exchange traded funds to build and diversify portfolios.
Third, we identify your target asset allocation to set expectations of a realistic rate of return based on your personal risk profile.

Fourth, we recognize the difficulty in choosing consistent winners, so through diversification of asset types, sectors, we can mitigate the risk of loss.

Fifth, we believe the easiest way to boost returns is by keeping costs low.
Why should I use your investment management services instead of using a low cost robo-advisor?
- A Robo-advisor is a low barrier to entry and a low cost solution that uses a sophisticated algorithms to determine your recommended mix of financial assets based on your goals and risk appetite. However, there are limitations:
(1) lack of personalization,
(2) lack of investment strategies or options,
(3) lack of empathy – no one to manage emotional rollercoasters, and
(4) little to no human interaction. If you are looking for flexibility, customization, and/or a human touch, consider partnering with an investment manager. As an added benefit, Otium can help combine your financial plan (includes tax mitigation + estate planning) with your portfolio to meet your objectives more efficiently.

Our Philosophy

Your investment portfolio plays an integral role in your overall financial plan. It is the wealth building piece to the puzzle. We create, manage, and monitor personalized investment accounts for you. We oversee all phases of the management process from the initial planning to performance reporting.

Our philosophy takes on a long-term strategic approach to investing while mitigating expenses (investment management fees and taxes) using low cost, globally diversified investment options.

Tolerisk® uses a patent-pending process to analyze your Willingness and Ability to take investment risk and then combines them into a simple and actionable risk benchmark which is customized for you.

Understanding your unique Risk Tolerance is an important step in preparing for your financial future.

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