PS –
You’re calling my bluff? What bluff? My initial statement was in the best interests of those who have no investment experience and needed some sound advice. Do you even know what a CFP is? It’s not a role, it’s a credential one can obtain through extensive studying and then passing an exam. A CFP can be a financial planner, stock broker, private banker, etc. There is no specific way to track a CFP’s rate of return. Everything that you have said shows just how naive you are. Your recomendations telling people to put all their money in CDs, etc. is very questionable. Are you a registered investment advisor? I’d be very careful if I were you.
As for what I recommend my clients, it all depends on their situation as I mentioned before. I wouldn’t recommend the same portfolio for someone that is retired as I would for someone that is in their mid 40’s. That would be ridiculous! And what I do recommend them is confidential and I wouldn’t dare share that to you on a public forum.
I will give you an idea of what I do for my own investments and their returns. I won’t give dollar amounts or allocation percentages.
**THIS EXAMPLE IS NOT A RECOMMENDATION. THE FOLLOWING PORTFOLIO SUMMARY IS SIMPLY A BREAKDOWN OF WHAT I CURRENTLY HAVE AND IS IN NO WAY SUITABLE FOR AN UNACCREDITED INVESTOR. DO NOT ATTEMPT TO DUPLICATE. PAST RETURNS ARE NO INDICATION OF FUTURE RESULTS**
I look to outperform the S&P 500 while taking on less risk (less standard deviation). I utilize the following institutional money managers (seperate accounts managed on a discretionary basis):
– Ashfield Advantage Growth (Large Cap Tax Sensitive Growth)
– NWQ Large Cap Value
– Wells Mid Cap Growth
– Anchor Mid Cap Value
– UBS Small Cap GRAP
– Keeley Small Cap Value
– Brandes International Value
– Invesco REIT
– PIMCO Total Return Bond
– OZ Master Fund (Hedge Fund)
– Alternative Montage Fund (Hedge Fund of funds), Series E – Emerging Markets Fixed Income and Equity, Series F – Event Driven & Series H Distressed Equities
– CAP Diversified Real Estate Fund (Private Equity)
– ACE Investment Strategists, LLC (Managed Futures Fund)
Portfolio’s Annualized Rate of Return for the last 10 years = 15%+ (meaning some managers have returned more, some less). The managed futures fund has only been around about 6 years but has averaged almost 50%/yr. Portfolio standard deviation is less than the S&P 500 by around 3% or so. I’m not looking to make a home run every day either. I’d rather take an institutional approach to my investments through modern portfolio theory and quarterly rebalancing if needed.
Good luck on trying to track these managers’ returns. You would need to see their individual holdings to do that and they aren’t mutual funds, they’re private investment managers so it’s hard to find their holdings. You would need to be invested with them most likely.
