Alan B. Lancz & Associates
Registered Investment Advisor

Providing a full range of fee based wealth management services

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ABL Asset Allocation vs. Strategic Asset Allocation

ABL asset allocation utilizes a proactive, more tactical approach to capitalize on overvalued & undervalued segments of the global markets.  Typically a range of percentage allocation is coordinated based on goals, objectives and risk tolerance.  The portfolio is then adjusted based on taking advantage of overvalued areas by profit taking and redeploying assets into more lower risk, undervalued areas for the long term.

Strategic asset allocation rebalances on a regular and systematic basis to avoid improper composition of assets.  This more passive approach reduces risk over time by avoiding too heavy a concentration in outperforming segments.  If investors pay 1% or more for such an automated passive approach, they are significantly offsetting the main long term benefits to this approach.
Target Asset Mix
This portfolio is also initlally targeted at 60% stocks, 30% bonds, and 10% cash.  When the Portfolio Strategist believes the market is fairly valued, 60% is invested in stocks. 		target asset mix Target Asset Mix
This portfolio is initially targeted at 60% stocks, 30% bonds, and 10% cash. 		target asset mix
Stock Market Undervalued
In this portfolio, the Portfolio Strategist maintains a 30-70% target range for stocks.  When the stock market is deemed by the Portfolio Strategist to be undervalued, a full 70% is invested in stocks. 		stock market undervalued Change in Portfolio Over Time
As time passes and stocks outperform cash and bonds, the composition of the portfolio changes. 		change in portfolio over time
Stock Market Overvalued
When the Portfolio Strategist believes the stock market is overvalued, exposure is reduced to 30% - the lower limit of the range. 		stock market overvalued Rebalanced Portfolio
Periodically, the portfolio is rebalanced to the target mix. 		rebalanced portfolio
 

SOUND Investing

Sound Investing is an exciting concept in professional money management, which continues to gather momentum and evolve since its inception over a decade ago. Our minimums are much lower with Sound Investing and we utilize an advanced approach very suitable for retirement plans and the more passive investor.

Investment management and guidance is provided to the Sound Investing client through a hand-picked custom tailored portfolio of mutual funds and exchange traded funds selected to meet the investor's personal objectives.  Low costs combined with strategic asset allocation and rebalancing makes Sound Investing an ideal platform for 401K and other retirement avenues.

Click here to read more about Sound Investing

2400 N. Reynolds Rd. Toledo, OH 43615   |   Phone: 419-536-5200   |   Fax: 419-536-5401   |   Email Us
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