What is the Comfort Zone Investment Program?

After nearly two decades of working with investors David has learned that the first step to a happy client experience is to spend time upfront to ensure your portfolio's exposure to risk is carefully understood and consciously chosen. The Comfort Zone Investment Program is our way of making sure this happens - both at the start of our relationship and at every step along the way.  

What to expect from us

We take full responsibility for all the buy and sell decisions in your Personally Managed Portfolio. These are made according to a Portfolio Gameplan Document, which we create together to suit your unique situation and preferences.
Here are the seven key steps of the program:
  1. The Initial Meeting - It's all about YOU
  2. The Comfort Zone Investment Program
  3. The Portfolio Gameplan Document
  4. The Portfolio Setup and Review Process
  5. The Portfolio Management Process
  6. The Quarterly Reporting Package
  7. The Annual Review Meeting

How do you define your own comfort zone?

To define your comfort zone, you will need to understand:

  • Your unique investment personality
  • The essential differences between "loaning" and "owning"

Your unique investment personality

Defining your comfort zone involves getting to know your unique investment personality. The only way to really know your investment personality is by thinking about yourself, by getting to know yourself as an investor. Your investment personality is shaped by your past and present investment experiences and by your objectives for the future.

The essential differences between "loaning" and "owning"

In addition, understanding the deep, historically-rooted realities of loaning and owning is equally important. To put this in perspective, let's look at some of the most basic characteristics of money and investments. When you have surplus money, you probably won't want to "stuff it in a mattress" or spend it all on consumer items. In this case, there are only two basic things you can do to invest it:

  • Loaning: You can lend it to those who wish to borrow it.
  • Owning: You can own equity in a business.

How you divide your money between "loaning" and "owning" is the most important investment decision you can make. To loan or to own, that is the question. And every investor is faced with the problem of finding the right balance between them. Those investors who consider this question seriously and establish the right balance between these two kinds of investments open the door to freedom, confidence, and optimism in their lives. Those who fail to do so will face severe consequences.

How do you establish the right balance between loaning and owning?

Accurately defining your comfort zone allows you to establish the right balance between loaning and owning in your investment program. Only you can define your comfort zone by knowing your unique investment personality and learning to appreciate the essential differences between loaning and owning.

How do we help you to define your comfort zone?

First, we take you through the process of attaining a deeper understanding of the concepts of loaning and owning. A deep knowledge of these concepts will allow you to identify the investment needs, goals, emotions, and preferences that constitute your unique investment personality. Ultimately, this will result in your ability to choose the combination of loaning and owning that you are most comfortable with. This comfort zone represents the foundation of your investment program. All the more detailed, technical aspects of your investment program will be based on this all-important, initial insight.

Staying focused on your comfort zone

It's easier for you to focus on what's essential in your investment program-on your comfort zone if as many as possible of the niggling details are removed. To this end, my team takes over and manages all matters concerned with individual security selection. We issue quarterly reports that you can understand at a glance, and we provide competent service throughout the fiscal year. Communication and coordination with your accountant, lawyer and/or fee-based financial planners is also provided.

Our customer service motto is as simple as it is effective for our clients: minimize aggravation, maximize convenience. We believe that the time you've put aside to spend on your investment program is best spent on the single most important decision you could ever make or revise: the balance you draw between loaning and owning, in other words, your comfort zone.

Ultimately, you are the only person who can take full responsibility for your investment decisions. The comfort zone investment program gives you the framework to make those decisions with confidence.