Bonds are key to a well-diversified portfolio; they’ve provided both consistent returns and consistent diversification against riskier asset classes like stocks and real estate. But bonds face stiff headwinds in the coming years.
That’s not prognostication, it’s a mathematical certainty.
The Wrong Way
With today's computing power it's easy to analyze history to create the "perfect" asset allocation. There are two problems with this conventional approach:
- It assumes that the future will be exactly like the past. It won't be.
- Bond yields were much higher in past decades. Bonds are key to a diversified portfolio, but they face stiff headwinds in the coming years.
A Better Way
We do it a better way. Using advanced statistical techniques, our approach to portfolio building accepts that:
- The future will be different.
- It will be a long-time before we see the high bond yields of past decades again.
Our approach is complex, but our Portfolio Builder is simple and intuitive to use.
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