Note: a sophisticated investment strategy is impossible to distill to a single web page.  For those interested in greater detail, please see our white paper.  Or for even more, call for a personal conversation.  


The investment strategy used at Unconventional Investor is firmly rooted in sound financial fundamentals, modern portfolio theory and common sense.  The application of this strategy to each client results in a portfolio constructed using multiple equity (stock) and bond asset classes, and each asset class is targeted by using a single security, such as a mutual fund or ETF.   This results in a sophisticated portfolio where exposure to the various asset classes is clear and manageable.    

Each asset class is targeted with a single low-cost index mutual fund (or ETF).  For example, US stocks are targeted using a single mutual fund which contains all of the 2000 biggest US stocks, plus a statistically-valid sampling of the next 4000 biggest stocks.  This funds performance tracks the overall US stock market performance very closely, over 99%, with an expense ratio as low as 0.05%.  Equity index funds are chosen for a simple reason:  multiple research studies have shown that equity index funds are the clear long term performance winners.  As such, they form the core of investment portfolios at Unconventional Investor. Additionally, since a US stock index fund always reflects the US stock market, it is a security you can hold forever.  Buy and hold, rather than churn, is the best way to maximize return.  

The strategy explicitly avoids market timing, instead opting for what is known as strategic asset allocation, which involves establishing allocation targets and regularly rebalancing to return to those target allocations. By returning your portfolio to its predetermined allocation target, market timing errors are eliminated. As your life circumstances change, it is possible we would adjust your portfolio.  For example, as people age, many want to reduce their exposure to stocks.  

The specific investment strategy we use was developed by David Swensen, legendary Chief Investment Officer (CIO) for the Yale University Endowment.  In his 2006 book, Unconventional Success: A Fundamental Approach to Personal Investing, he adapted the approach he uses at Yale to reflect the reality of the individual investor. Mr. Swensen is not affiliated with Unconventional Investor, LLC, though he is owed an enormous intellectual debt. The books title inspired the firm's name.  
portfolio diversified across relatively uncorrelated asset
classes, customized for your particular risk tolerance. Each asset class is represented by a low cost, passive ETF.
We continuously monitor and periodically clearance your portfolio to maximize your chance of investment
success for the long run. We also attempt to minimize your taxes by analyzing the taxes likely to be generated by
any given asset class, and then allocating different asset classes in taxable and non-taxable (retirement) portfolios.
portfolio diversified across relatively uncorrelated asset
classes, customized for your particular risk tolerance. Each asset class is represented by a low cost, passive ETF.
We continuously monitor and periodically clearance your portfolio to maximize your chance of investment
success for the long run. We also attempt to minimize your taxes by analyzing the taxes likely to be generated by
any given asset class, and then allocating different asset classes in taxable and non-taxable (retirement) portfolios.
portfolio diversified across relatively uncorrelated asset
classes, customized for your particular risk tolerance. Each asset class is represented by a low cost, passive ETF.
We continuously monitor and periodically rebalance your portfolio to maximize your chance of investment
success for the long run. We also attempt to minimize your taxes by analyzing the taxes likely to be generated by
any given asset class, and then allocating different asset classes in taxable and non-taxable (retirement) portfolios.

We continuously monitor and periodically rebalance your portfolio. We integrate your existing 401(k) into your overall portfolio strategy and minimize your taxes by analyzing the taxes likely to be generated by any given asset class, and then allocating different asset classes in taxable and non-taxable (retirement) accounts.