Why Clients Choose Nickel Investment Advisors, Inc.
With over thirty years experience we focus on solving the investment problem. We understand what you really want. An advisor you can trust to make wise investment decisions.
Who we work with
Individuals who appreciate the need for competent, conflict-free, financial stewardship. Individuals who are looking for a manager of their well-being, connecting money to life.
We work with individuals who face the paradox of prosperity. As their net worth has grown rather than simplify their life it has made it more complicated. They come to us because; they do not have financial peace of mind, even though their net worth is well beyond what it was when they started investing.
The individuals we work with realize the importance portfolio performance has in achieving and maintaining their retirement dreams.
Our Commitment- Solve the Investment Problem
Research shows that the average investor underperforms the average Mutual Fund by as much as 200%. Our commitment is to not only narrow the average investors performance gap, but to produce superior real life, real returns.
Investment Success - Behaving Correctly & Owning the Right Funds
We focus on solving the investment problem, we don't sell expensive financial plans or produce slick sales material. We believe that investment success is about behaving correctly and owning the right no load and load waived funds at the right time.
We ask questions, and answer yours, together we determine if our solution to the investment problem meets your needs. To find out if you’re ready to be a Nickel Invest client, call Nace Nickel @ 707-836-3863.
Every year the research firm Dalbar does a study that tries to quantify the impact of investor behavior on real-life returns by comparing investors’ earnings to the average investment (using the S&P 500 as a proxy).
The latest study looks at the 20- year period ended December 31, 2009
Average investment return= 8.20 percent
Average investor return= 3.17%
Momentum Based Performance
There are many ways to manage your investments, but most approaches fall into two broad categories; passive and active management. There are positives and negatives to any investment approach, as Registered Investment Advisors with a fiduciary responsibility to ensure an investment is not only suitable at the time of sale but in our clients best ongoing interest; we practice an active strategy that monitors no load mutual fund returns on an ongoing basis and replace the funds that our clients own as better alternatives emerge.
In other words, our active strategy responds to changing markets. Portfolio performance can be disappointing if your stuck in a fixed allocation strategy when it's clear one area of the market is leading. As an example we held as much as 80% of our porfolio in International stocks in 05 - 07. Most static asset allocation models mandate that no more that 20% can ever be allocated overseas.
As the markets have show recently they can and do change dramatically. Investors who held defensive funds may have survived the markets decline better than the more aggressive investors but those who continued to hold defensive funds through the market's 09 rally missed out on substantial gains. Our active strategy (Adaptive Portfolio Enhancement) led us into the more defensive funds at the beginning of the correction and out of these funds as the market turned around.
What's your plan?
What impact will negative investment behavior and poor portfolio performance have on your future? Research suggests that a global portfolio using statistical behavioral finance and risk management generates superior returns over the business cycle and the long term.
We encourage you to start a conversation with us to learn more about how our proven strategy of investing in top performing no-load funds can produce a lifetime and lifestyle sustaining income.
To schedule a retirement strategy session- call 707- 836- FUND