Our conservative investment strategy will keep you safer and more engaged during your investment career
There are investors who like a whiff of danger, while others seem resigned to boredom and low returns. We prefer a different way.
Our conservative investment strategy will help you avoid danger while keeping your boredom to a minimum. Read on for more on this strategy.
Growth stocks with a future
When markets rise, you want growth stocks that soar above the crowd and stay above it for years … not the ones that go cold after a short surge. When you spot the stocks with staying power you set yourself up for big profits. Our new free report shows how—and gives you four top growth recommendations.
Practicing the conservative investment strategy that we preach
The world of hedging, options and futures makes for dramatic investing—but it’s only for people who have a lot of money to lose and are prepared to lose it frequently.
Then there are many investors who, far from seeking danger, are holding investments producing low returns with high fees. They were likely shuffled into these investments (mostly mutual funds) with little consultation and no real concern for their specific needs and goals.
When you consider the draining effect of high fees and low returns, these investors may be making little more than what they could have made with GICs.
With our philosophy of investing, there is a balance between these two.
We do not just preach a philosophy of productive, conservative investing. We practice it.
Our wealth management clients are glad we do.
How a conservative investing strategy can add low risk investments to your portfolio
Low risk investments equate to safer investments. For conservative investing, focus on investing in high-quality stocks that offer hidden value.
These assets include long-time real estate holdings that are worth much more than their balance-sheet value (usually original cost minus depreciation). Under-used brand names are another good example. When they are developed in-house, they won’t show any balance-sheet value. Here is an other of our favourite hidden assets: research spending. Companies write off their research outlays in the year in which they spend the money, but benefits such as new or better products may only materialize years into the future.
However, it’s important to be skeptical of companies that mainly grow through acquisitions when seeking low risk investments. Making acquisitions can speed up a company’s growth, but it also adds risk that can undermine a conservative, safe investing approach. Great acquisitions are rare finds. Many acquisitions come with hidden problems or risks, or they turn out to have been over-priced. Despite the risks, some acquisitions turn out to be hugely profitable. So, your safe investing strategy shouldn’t automatically discount companies that have grown through acquisitions. Just keep the risks in mind, and avoid companies that seem unaware of them.
Three more tips for a conservative investment strategy
Take a broad view when looking for low risk investments.
As a group, investment long shots are overpriced.
Some rules can undermine your conservative investment strategy decisions at crucial moments
Most investor sayings or rules have some truth or logic or value to them, and that’s why investors keep repeating them. However, their truth or logic may be irrelevant to your goals, and to the conservative investing philosophy we recommend in our Successful Investor newsletter.
The value of these rules or sayings may be psychological rather than financial. However, there is always a risk that they could override your best judgment at precisely the wrong moments, and lead you to do things that undermine your investment success. This is particularly true for investors who follow a conservative investing strategy.
Here’s an example of one such rule that you may have heard with stocks that have moved up since market lows: “You never go broke taking a profit.”
This is true only in an extremely narrow sense. The act of “taking a profit” (or selling an investment at a higher price than you paid for it) won’t, in itself, put you into bankruptcy. However, investing success would be easy if all you had to do was avoid going broke.
Do you believe in the long-term value of a conservative investment strategy, or do you find them boring and a waste of time?
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