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The IFA Investment Principles
Five chief principles that inform the IFA model are as follows:
1Financial markets are efficient. As free market prices fully incorporate available information, price change consequently reflects unexpected new information; therefore the current price is the best estimate of a fair price.
2Risk and return are inseparable. Although there is no such thing as return without risk, not all risks are rewarded. Long-term historical risk and return data informs IFA's investment selection process, and IFA's Index Portfolios seek to capture the historical risk factors that have appropriately compensated investors for risks taken, including market, size, value, and profitability for equity and term and default for fixed income.
3Diversification is essential. Diversification within and among asset classes lets investors effectively capture the returns offered by the financial markets, in accordance with their risk capacity.
4Structure explains performance. The expected return of a diversified portfolio is determined by its exposure to the compensated risk factors, therefore the high costs and risks of active management are unnecessary and potentially harmful to an investor's long-term outlook.
5Advisor Advantage. There are distinct measurable benefits to enlisting the services of a passively-oriented advisor, including disciplined rebalancing, tax loss harvesting, asset allocation, asset location, and glide path.
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TermsDisclosuresIndex DescriptionsForm CRS The data provided in charts referring to IFA Index Portfolios is hypothetical back-tested performance and is not actual client performance. Performance data for the IFA Index Portfolios is shown net of IFA's highest advisory fee and the underlying mutual fund expenses. IFA Indexes when shown individually do not reflect a deduction of advisory fees. None of the data reflects trading costs or taxes, which would have lowered performance by these costs. See more important disclosures at ifabt.com.
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