Investment Philosophy

Our investment philosophy can be summed up in four simple words: Capture the Market Return.

We can’t all be above average — it’s mathematically impossible. That rule also applies to investment advisors, most of whom are destined to underperform. However, nearly 100 years of market history shows us how to achieve above average returns, because consistent average returns become above-average returns over time.

This incorporates three basic strategies:

1) Stay invested in all market environments
2) Avoid investing in ‘active’ management / funds
3) Keep investing costs to a minimum.

No one can control the markets. But investors can control what they pay to invest. It may be eye-opening to see the difference both real and opportunity costs can make to an investor’s long-term success.

“The grim irony of investing, then, is that we investors as a group not only don’t get what we pay for, we get precisely what we don’t pay for. So if we pay for nothing, we get everything.”

–John (Jack) Bogle, Founder, Vanguard, from The Little Red Book of Common Sense Investing

William Streff, CFP®, CEBS
President, Streff Wealth Management

Our investment philosophy can be summed up in four simple words: Capture the Market Return.

We can’t all be above average — it’s mathematically impossible. That rule also applies to investment advisors, most of whom are destined to underperform. However, nearly 100 years of market history shows us how to achieve above average returns, because consistent average returns become above-average returns over time.

This incorporates three basic strategies:

1) Stay invested in all market environments
2) Avoid investing in ‘active’ management / funds
3) Keep investing costs to a minimum.

No one can control the markets. But investors can control what they pay to invest. It may be eye-opening to see the difference both real and opportunity costs can make to an investor’s long-term success.

“The grim irony of investing, then, is that we investors as a group not only don’t get what we pay for, we get precisely what we don’t pay for. So if we pay for nothing, we get everything.”

–John (Jack) Bogle, Founder, Vanguard, from The Little Red Book of Common Sense Investing

William Streff, CFP®, CEBS
President, Streff Wealth Management