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Markets are impersonal. We're personal.
At Osbon Capital, our goal-driven asset management focuses exclusively on you and your family. We are not interested in chasing fads, forecasting unknowable future events, or experimenting with your assets. We believe trying to predict next year's top asset class, industry, stock, mutual fund, or money manager adds no demonstrable value.
Balancing risk and return
At Osbon Capital Management, rather than trying to predict specific winners, we advocate diversified index-based portfolios that provide access to a wide range of assets, balance risk and return, keep taxes low and control expenses. Here are the core principles that guide our efforts:
- Start with asset allocation: Asset allocation has a dominant role in determining the risk and return characteristics of a portfolio. So we work hard to understand your goals and risk tolerance and design an asset allocation that is appropriate.
- Ensure diversification: Given the inherent volatility of markets, we strive for highly diverse index portfolios — spreading assets across many industries, geographies, currencies, and market caps. This practice greatly reduces the danger of overexposure to any event that affects a specific asset type, company, country, or market.
- Manage taxes: The only performance metric that really matters is what is left after taxes. Therefore, we strongly favor index ETFs for their tax efficiency, as well as their transparency and low expense ratios. We have carefully vetted more than 700 ETFs to find approximately 60 we consider to be particularly well designed and well managed. These ETFs provide access not only to stocks and bonds but also, where appropriate, commodities, hedge funds, REITs and other asset classes.
- Optimize: We use tools provided by Windham Capital Management, advisor to endowments and institutional investors, to balance risk and return. Windham's technology allows us to maximize expected return for any acceptable level of expected risk and determine the probability of meeting specific goals with a given portfolio. The result is far more clarity about your portfolio and its ability to meet your expectations.
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