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Patton's Mission: to dramatically improve the financial lives of every investor we encounter.



Overview

Delivering industry-leading returns

Patton Super-Diversified Portfolios have delivered returns that are among the very best in the industry *. These strong results since 2010 are further supported by research back to 1972 indicating the potential long-term returns of Super-Diversification. These returns can have a tremendous impact on your accumulation of wealth and retirement income.

* per Portfolio Peer Review Performance Report dated December 31, 2016 produced by SuggestUs Asset Risk Consultants.

Super-Diversification versus Competition ?

Compounded Return
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See how our returns compared to various industry benchmarks

Better portfolios with Super-Diversification

Great long-term performance does not happen by accident…it’s the result of design and discipline. Super-Diversification is our proprietary investment strategy designed to deliver to you the best returns for your desired level of risk. Our strategy is unique in that all client portfolios are diversified BEYOND the traditional investments of stocks, bonds, and cash. The goal of the added diversification of a Super-Diversified Portfolio is to position every investor for the best long-term expected returns with comparable or lower expected risk.

Expert advice for your peace of mind

You will benefit from knowing that an investment expert, who has a legal fiduciary responsibility to you to always do what is in your best interest, is overseeing your investments and the entire investment process. This starts with identifying your investment goals and risk tolerance to preparing some planning, designing and implementing your portfolio, and providing ongoing education and advice.

You will always have an expert who is just a phone call or email away to address your needs.

Additional highlights of our services and portfolios

Our goal is to provide you with a superior portfolio and service. The following are some
additional highlights of our services and portfolios.

frequently asked questions

Q. What is an index fund ?

We must first understand what is an index. An index is something that measures the value and performance of a particular type of investment. For example, the Dow Jones Industrial Index is an index of 30 stocks that tends to be used to measure the performance of the U.S. stocks market (in particular large U.S. stocks).

There are hundreds of indexes to measure the performance of nearly any type of investment. Some of the more popular indexes are the following:

  • S&P 500 (U.S. large stocks)
  • Russell 2000 (U.S. small stocks)
  • MSCI EAFE (International developed country stocks)
  • Barclays Aggregate Bond Index (U.S. bond market)

Again, there are hundreds of indexes for all types of investments. These indexes are only mathematical calculations and not actual money. For example, the S&P 500 is an index of 500 U.S. stocks. The price of each of the 500 stocks is used to calculate the value and performance of the index.



An index FUND is simply a fund that is designed to replicate a given index with real money. For example, an S&P 500 index fund typically owns all 500 stocks in the S&P 500 index. Therefore, its performance is going to be virtually identical to the performance of the mathematically calculated S&P 500 index. These funds are considered to be passively managed meaning that they simply are designed to replicate the index and there is no manage actively trying to buy and sell securities.

Today there are 100’s of index funds…funds that are designed to replicate the performance of nearly every type of investment.

Not all indexes funds are created equally. As one example, there are many S&P 500 index funds and some will have very low fees and some will not.

Q. What is an ETF or Exchange Traded Fund ?

An Exchange Traded Fund, or ETF, is a fund similar to a mutual fund. The primary difference is that an ETF is traded on an exchange like a stock while a mutual fund is only bought and sold at the close of trading once a day.

The majority of ETFs are also index funds (addressed in a separate FAQ). The advantage of ETFs over mutual funds is that ETFs are sometimes a little less expensive than a like-typed mutual fund and ETFs sometimes offer access to more types of investments.

Q. What is an actively managed fund ?

There are generally two types of funds, passively managed (index funds) and actively managed. A passively managed index fund (addressed in a separate FAQ), such as an S&P 500 index fund, simply owns all 500 stocks in the S&P 500 and intends to replicate the performance of the S&P 500 index. An actively managed fund is own where there is a manager or team of managers whose job it is to try to buy and sell the right securities and the right time in an effort to perform better than an index.

The fact is that actively managed funds on average underperform like-type index funds. Higher costs, both higher expense ratios and other additional costs associated with operating the fund, are generally to blame for this poorer performance.

Q. What is a custodian?

A custodian is the entity that holds your money or investments (your account). Brokerage firms and banks are typically the custodian of investors’ accounts. The custodian is responsible for the safekeeping and reporting on your account.

One way to dramatically reduce the risk of fraud is to separate the role of custodian and manager. This provides investors with a good checks and balances and makes it nearly impossible for a manager to fraudulently take your money.

Q. What is risk tolerance?

Determining your risk tolerance is one of the very most important things you can do. Your risk tolerances is simply determining how much risk you are willing to take with your investments. Most often risk tolerance is determined by completing a questionnaire. These questionnaires are often very good tools.

Risk tolerance is both a combination of financial risk and emotional or psychological risk. Many investors can financial afford higher risk but emotionally they cannot handle the ups and downs that come with that higher risk.

Once an investor knows his risk tolerance, a portfolio then needs to be designed that is expected to deliver the desired level of risk.

Q. What is an INDEPENDENT investment advisor?

An independent investment advisor, often a Registered Investment Advisor (RIA), is one who does not work for a brokerage firm. Independent advisors tend to be less motivated to sell products and instead focus on giving the best advice to their clients.

Still have a question? Ask Patton

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