Quality Asset Management
How does QAM achieve such high returns while increasing stability?
QAM's strategies are composed of 3 investment components, for your short-term security and long-term security. Each portfolio has different amounts of the three components, offering different levels of short-term and long-term security. Refer to the articles "Which is Safer for Retirement: Bonds or Stocks?" and "How Can You Maintain Security at all Times?" for an explanation of this approach. Click on the three component links to see detailed performance information.
QAM puts your peace of mind at a very high priority. Refer to the following articles for details about how this is achieved: "Q3 2004: Diversification at Work!", "Can the S&P 500 be dangerous?", "Should you sell your declining stock?", "When are Stocks Too Risky?", "When are Bonds Too Risky?", "The Imaginary Line" and "The Imaginary Line in Retirement".
Designed to provide high long-term growth. It is also the main source of retirement income that is available to you at all times, including some of the best and worst times in the stock market. Income of 4%, growing with inflation, is planned whether you live to be 100 or 1,000. Tests show this portfolio to be substantially more conservative than typical portfolios.
This is a diversified portfolio of over 6,000 companies, of different sizes, maturities and industries all over the world. Ownership is through the Dimensional Fund Advisors (DFA) Mutual Funds, and QAM considers them to be the best mutual funds for constructing investment portfolios. The Dimensional Funds are similar to index funds, but allow for much broader diversification into desirable companies. This includes smaller companies and companies selling at bargains (low price compared to earnings or book value).
Designed to provide income that is there for you at all times. This short-term security is obtained using short-term high-grade bonds from various governments and high-rated companies all over the world.
Designed to provide substantial long-term growth. This portfolio is used to supplement the Long-Term Component for longer time horizons. It may also be used if you have lower income needs of up to 3% of your portfolio. This income is available for you at all times, including some of the best and worst times in the stock market. The income grows with inflation, and should be there whether you live to be 100 or 1,000.
This is a diversified portfolio of over 2,000 companies, of different sizes, maturity levels and industries all over the world. It is another disciplined approach that focuses on long-term holding of companies. Ownership is also through the Dimensional Fund Advisors (DFA) Mutual Funds.
Costs & Taxes
QAM understands that any cost for your investments directly affects the results. QAM increases your purchasing power at all times, by reducing various components of your costs. These include competitive advisory fees, low mutual fund expense ratio, no commissions or sales charges, no load mutual funds, negotiated large block transactions, low turnover (minimal transactions within mutual funds), minimal trades of mutual funds, proprietary smart rebalancing, low trading costs, no annual broker fees.
Your taxes are minimized across the board: within the mutual funds; when money shifts into-, out of- and between the holdings; and on the portfolio level. Some of the principles include, tax-managed mutual funds with minimal short-term gains and loss harvesting, low turnover, minimal sales, rebalancing using incoming money and a proprietary smart rebalancing algorithm.
Past performance may not be indicative of future results. No current of prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by Quality Asset Management), or product made reference to directly or indirectly on this website, or indirectly via link to any unaffiliated third-party website, will be profitable or equal to corresponding indirect performance levels. Simulated data was used for periods prior to the inception of mutual funds - for more information see Performance Data Disclosure.
Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's or prospective client's investment portfolio. Note that services are limited to investment advice and do not include financial planning, legal advice or tax planning and/or other non-investment related consultation services. No client or prospective client should assume that any information presented and/or made available on this website serves as the receipt of, or substitute for, personalized individual advice from the advisor or any other investment professional. If you have any questions regarding the applicability of any specific issue discussed above to your individual situation, you are encouraged to consult with the professional advisor of your choosing. A copy of our current written disclosure statement discussing our advisory services and fees is available for review upon request.
Historic performance results for investment indexes and/or categories generally do not reflect the deduction of transactions and/or custodial charges or the deduction of any investment management fee, the incurrence which would have the effect of decreasing historical performance results.
The advisor makes no representations or warranties as to the accuracy, timeliness, suitability, completeness or relevance of any information prepared by any unaffiliated third party, whether linked to the website or incorporated therein. Such information is provided solely for convenience, and all users should be guided accordingly.
Copyright © 2004-2013 Quality Asset Management, LLC. Any usage of this web site by investment advisors or other investment professionals is prohibited, unless written notice was given directly from Quality Asset Management, LLC. Any portfolio or strategy presented on this web site does not represent a recommendation.