Our Investment Philosophy

At HB Retirement, we believe that investing is a marathon and not a sprint, and the most successful investment methodologies should not be measured by whether they beat a benchmark in a given year but by how they have performed over a complete investment cycle. In our view, attempting to beat a benchmark year-over-year is not an optimal investment goal for participants as beating a benchmark may not be synonymous with building and protecting wealth.

In fact, HB Retirement believes those asset managers that do chase a benchmark in a given year may often layer-on excessive portfolio risk as they attempt to exceed the target. This may leave such an investment strategy especially susceptible to material drawdowns in asset prices. Instead of engaging in a chase for market returns, our firm employs a sustainable investment approach that seeks to participate in upside market activity while mitigating losses on the downside, and we favor investment managers who incorporate a like-minded methodology. Over time, we believe a risk-mitigation investment strategy may positively impact long-term portfolio values and outpace benchmark returns when measured over multiple years. Importantly, we believe this singles and doubles approach to investing is more in line with potential investor biases and may encourage participants to stay engaged with an investment program over the long-term.

 

_{Investing involves risk including loss of principal. No strategy assures success or protects against loss.}