How We Invest
Bringing Clarity
When we say Invest with purpose, we mean your purpose.
OUR APPROACH
Four principles that guide every decision
Expert Advice
Studies have shown that a good advisor can add upwards of 3% per year in returns. Our team’s in-depth experience - from navigating robust and wavering markets - guides our decisions and gives us the wisdom to properly steward your investments. We stay abreast of market developments so that we’re always in a position to give you the best advice.
Timely Action
Sound Decisions
We believe asset allocation decisions are paramount to delivering superior investment returns. This involves dividing an investment portfolio among different asset categories, such as stocks, bonds, alternatives and cash. Our process of determining the unique mix that is right for you provides the discipline and consistency for making prudent decisions.
Eliminating Bias
We know that human emotions and cognitive bias can lead individuals to make knee-jerk decisions. We act as guides and coaches to help you make the best decisions, even at the hardest times. The average investor can only capture a small portion of the returns the market offers, but we make sure you increase this ‘upside capture’ by making long-term decisions.
Our Investment Style
A blend of proven approaches
We use a blend of investment styles to ensure you are stewarding your wealth well:
Value-investing principles — finding companies worth more than their current market price
Growth at a reasonable price — balancing growth potential with disciplined valuation
Modern portfolio theory — low-cost passive ETF core complemented by satellite positions in active managers or individual stocks
Technical and momentum gauges — capturing the trends the markets are currently rewarding
"If you think it's expensive to hire a professional, wait until you hire an amateur."
— Red Adair
OUR Philosophy
A blend of proven approaches
Risk Mitigation
The only acceptable risk is that which is adequately compensated by potential portfolio returns. We decrease portfolio risk through diversification and lowering correlation between asset classes.
Long-Term Investing
Markets are efficient over long periods. It is virtually impossible to anticipate the future direction of the market as a whole — investing for the long term allows asset class characteristics to surface.
Portfolio Design
The design of the portfolio is more important than the selection of any individual security. Capital allocation among asset classes will have far more influence on long-term results than individual security selection.
Global Investing
Investing globally has been shown historically to enhance portfolio returns and minimize overall risk due to the imperfect correlation between economies of the world.
Equities
Equities offer the potential for higher long-term investment returns than cash or fixed income, while also being more volatile. We manage this balance carefully for each client.
Value Investing
Certain factors of return — like investing in companies worth more than their current market price — can provide returns in excess of the market itself.
Alternative Investments
We use alternatives to differentiate returns from broad equity and bond markets, seeking to deliver positive returns with little or no correlation to these broad markets.
Ethical Filters
We offer Socially Responsible Investing model portfolios incorporating ESG filters — environmental, social and governance — so that we contribute to doing good, one step at a time.
What is CrossPoint Financial’s Discretionary Portfolio Management Program?
Think of it like taking a flight: just as you would trust the pilot to make appropriate course corrections, you allow our Portfolio Managers to efficiently manage your wealth by making daily buy-sell decisions.
Unlike traditional advisory services, discretionary portfolio management frees up your time and gives you peace of mind by delegating the responsibility of investment decisions to our qualified and experienced team who follow our rigorous investment process.
Most people don't have the time or confidence to make the day-to-day investment decisions to successfully navigate today's fast-moving and complex markets.
Portfolio Managers differ from mass-market advisors as they have undergone significant additional training and manage larger amounts of money for fewer clients. Our structured and disciplined process is based on the highest industry standards and is regularly reviewed and adjusted according to your growth requirements, income needs, and risk tolerance.
Your portfolio manager applies the full capabilities of their training to recognize and swiftly implement complex day-to-day investment decisions — ensuring your investments are always in the right place at the right time.