• "Pointing the Way to Retirement Income Security"
  • "Breaking Through the Investment Return Barrier"

Our Discoveries

For the vast majority of Americans, it is mathematically impossible to achieve Retirement Income Security (RIS) through contributions alone. In other words, "You cannot Save Your Way to a financially secure retirement."

While contributions are important, it is essential to increased your Investment Return if one expects to have a financially secure retirement.

The Institute's Adaptive Asset Allocation™ strategy focuses on essential components of Risk Mitigation and Portfolio Optimization to deliver Investment Return levels needed for most American's to reach RIS in their lifetime.  

Risk Mitigation

The Time of Retirement Risk. The uncontrollable reality imposed as a consequence of reaching retirement age in a down market . Portfolio values are more influenced by what the market is doing when you retire than the investment choices made while saving for retirement.

The Treadmill Effect. The repeated gravitation of portfolio value towards money market fund investment return levels during each extended down market.

Needed Minimum Investment Return. The average annual investment return needed to grow portfolio values high enough so as to generate in interest alone one's final salary at retirement age 65.

Portfolio Optimization

Optimum Reallocation Cycle.
The time period taken between portfolio rebalancing to optimize returns and minimize risk.

Optimum Number of Funds.
The number of funds from a fixed portfolio that should be invested in given any point in time.

Best Positioned Funds.
Identification of the funds that have the highest likelihood to increase (in up markets) or maintain value (in down markets) during the next 2–3 months compared with the other alternatives in the portfolio. Holding the right number of best positioned funds is also an essential component of risk management.

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