We work with individuals, & households based on their stage of life, risk tolerance, and goals
Our financial planning process seeks to help clients go further by combining effective asset allocation with a tax efficient approach to maximize future income.
By working together, at each life stage, we seek to create clarity so that you can achieve goals with confidence.
Approaching the market with caution
We seek to reduce investment risk by investing only in what we believe to be high quality companies that meet the Selective criteria. Further, we exercise unusual patience in our purchases. When the market is high, we exercise additional caution. For example, throughout 2017, we maintained cash balances of at least 25%. This helps to protect client principal, while creating opportunities when individual securities fall in price. While our approach to the market is cautious, our Selective Process has led to an average annual return over 13% net of all fees and trading expenses.1
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1 Returns based on a composite of accounts primarily invested in Selective’s proprietary mutual fund (Composite A). This composite utilizes an investment approach focused on maximizing long-term returns while protecting client principle. The proprietary Fund is non-diversified and focuses its investments in a relatively small number of Selective Companies, typically seeking to hold between 15 and 25 companies (although the number may vary depending on market conditions). The Fund may also invest a substantial portion of its assets in cash and cash equivalents, including money market funds and other short-term fixed income investments, in seeking to protect principal. All returns are time-weighted, net of all fees and trading expenses. Performance varied by account. Performance 2013 to 2017 has been independently verified.
Cash balance calculations include money market balances within mutual funds.
No current or prospective client should assume that future performance of any specific investment strategy or product made reference to directly or indirectly by Selective Wealth Management in its website will be profitable or equal the corresponding indicated performance level(s).