As the title to this tab suggests, when properly informed, you — as an individual investor — have an advantage. As we have noted several times in the two tabs of the Learn section, many of the self-defeating behaviors that we hope to help you avoid have actually been institutionalized in the investment services industry. These include over-complexity in asset allocation, market timing with “tactical asset classes,” lack of accountability in the separation of financial planning/advisory and investment fund management, performance chasing from the fixation on near-term fund returns and, finally, with index investing, forgoing returns that markets readily make available over time.
Empowered by understanding, you can forge your own path, avoiding these many pitfalls. This is our essential mission at Constancy Investors.
This is the area of the website where you get to roll up your sleeves and tinker. It includes two tools—our Investor Temperament Questionnaire and a step-by-step Financial Planning Application—that help us work with you to blueprint your financial goals and the best plan to realize them. In the third tab, Goals-Based Asset Allocation, you can see—in a matrix format—how we take into account both your temperament and your time frames to arrive at asset allocations well-suited to each of your goals. Hover over the tabs at left for the key take-way for each.
I. Your Investor Temperament
A questionnaire you complete and we score to help us anticipate how your emotions may affect your ability to stick with a plan during periods of market decline.
II. Planning Tools and Calculators
A step-by-step planning application to help you form a complete picture of your financial life and develop plans to save and invest to meet all your goals. With greater clarity in your financial life, comfort follows.
III. Goals-Based Asset Allocation
Tables that illustrate how we take into account objective factors—your financial picture and goal timeframes—and your investor temperament to arrive at asset allocations tailored to you and your goals.