Mutual Funds

When a client brings me a mutual fund’s performance report, they often focus on a single number: the total return. I see something different. I see a story waiting to be decoded. That story answers the most critical question in active management: How was this return actually achieved? Was it sheer luck or deliberate skill? […]

In my practice, I have seen too many investors placed into unsuitable mutual funds. The standard risk tolerance questionnaire—often a simplistic series of questions about time horizon and stomach for loss—is a woefully inadequate tool. It captures a sliver of the psychological and practical landscape that dictates whether an investor will stick with a strategy

In my years of analyzing investment vehicles, I rarely encounter a fund that generates as much pointed discussion as the ATL 5000 Renaissance Fund. It is not a fund you stumble upon by accident; it is one you seek out after forming a specific hypothesis about the market. Clients often ask me if it belongs

I see a fascinating trend among my clients, especially the younger ones. They want their investments to reflect their passions. They ask me about tech, they ask me about crypto, and more and more, they ask me about sports. They want to know if they can invest in their favorite teams or the next big

I hear this question more often than you might think. Investors watch a stock fall, see it as a bargain, and wonder if the pros are thinking the same thing. They want to know the secret threshold. They ask me, “At what price do mutual fund managers start buying stocks?” It is a logical question,

A client once asked me a question that seems simple but is absolutely fundamental to understanding how investing works. “When I push the button to buy a mutual fund,” they said, “what price am I actually paying?” The answer is not a single number from a ticker tape. It is a specific calculation that happens

As an investor, I know that timing is everything. You watch the markets, you make a decision, and you place an order. But the mechanics of what happens next can feel like a black box. This is especially true for mutual funds, which don’t trade like stocks. If you’re a Charles Schwab client, or considering

I need to clear up a point of confusion I encounter almost every week. A client will sit across from me and ask for a safe mutual fund. They want one with a guaranteed return. They have heard about something called an “assured return scheme.” They want security. They want predictability. I understand this desire

I spend my days analyzing financial statements. To me, they are the lifeblood of the investment world. They tell a story of performance, risk, and strategy. But for the average investor, these documents can seem like a labyrinth of numbers and jargon. This is where the critical concept of assurance comes into play. For mutual

I manage a $10 million mutual fund. It is a responsibility I feel every single day. People see the final number and think it is a vast fortune. They see the ticker symbol and the daily net asset value. They do not see the engine room. They do not see the constant hum of analysis,