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Comprehensive Wealth Management

How Best Practice Transforms Financial Planning.

I hope you have a better understanding of what it means to have a Best Practice Financial Plan and what is often missed to guide you through the  several steps throughout your life, with an authentic, secure, stable and accurate Financial Plan. There are some major distinctions between the quality and consequences of different Financial Planning advice.

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Introducing Best Practice Financial Services.

It is crucial to protect your own Best Interest when it comes to financial services. No less an authority than Warren Buffet dismisses the value of most financial advisors on video here. Financial Advisors don’t seem to spend much time getting “Informed Consent” from their clients after explaining why their approach delivers Best Practice. Most clients

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Confused And Failing Policy Has Led To An Unprecedented Investment Predicament

t is the cumulative effect of flawed policies that has brought us to the current predicament.

The Fed has broken out beyond its mandate, and has been rushing into unprecedented and extreme policy action in recent years. Examination of Fed’s policies show just how adrift the Fed has become.

Instability is likely to continue. Investors need to understand the dynamics of the situation to be prepared as events unfold.

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Narratives, Distortions, and Reality

After the Fed’s liquidity injections and the stock market rally of recent weeks the emerging narrative is that the banking crisis is not the concern it was. Then again, what if the credit cycle has only just started to turn down, while the Fed has begun to reduce liquidity again and intends to raise rates further? What signal is the weakest stock market breadth on record sending us?

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Crisis In Investment Management. Never Allocate To Risk As A Single Factor.

Bond market volatility and the Global Credit Impulse indicate a risk hurricane.

Best Investors always focus on minimizing risk.

“[Ptolemy’s] Earth-centered universe held sway for 1,500 years, showing that intellectual brilliance is no guarantee against being dead wrong” Carl Sagan

“…at the end of the day, the most important thing is how good are you at risk control. Ninety-percent of any great trader is going to be the risk control.” Paul Tudor Jones

It has become an industry standard that asset management starts with a risk assessment of the investor. Once that is completed a portfolio is selected which in theory “matches” the investor’s risk profile. In most cases once the portfolio is allocated there is limited activity until the next review or interaction with the investor.

This process may have been sufficient for purpose for many investors in the relatively stable conditions and broadly benign investment environment of the last decade. However, in today’s markets it is likely to become clearer that risk based allocation and passive management is somewhere between suboptimal and simply dead wrong.

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