Stewardship does not engage in market timing.  We don’t think markets can be consistently timed.

Instead:

      1. We determine our clients' appetite for volatility, risk and return.

      2. We determine our clients' time horizons for the investment money.

      3. Using the information from items 1 and 2, we determine appropriate asset classes.

Our research focuses on no-load mutual funds.  We believe no-load mutual funds are both effective and inexpensive vehicles for investing in the wide variety of asset classes needed for a well diversified portfolio.

For money needed in the short-term, usually 5 years or less, we typically recommend high-quality, non-volatile fixed-income instruments such as high-yield savings accounts, certificates of deposit, and no-load mutual funds invested in treasury inflation protected securities and/or short-term bonds.

For money needed in the medium-term, usually 6 to 10 years, we typically recommend diversified no-load mutual funds invested in both stocks and bonds.

For money needed in the long-term, usually more than 10 years, we typically recommend diversified no-load mutual funds invested in stocks, real estate, high yield bonds and other securities.

Stewardship works hard to recommend mutual funds appropriate for each client’s circumstance.  We also work hard to keep clients' expenses to a minimum.  It may sound obvious, but the less you spend in fees and sales commissions, the more you have to invest. Over the years, with the beauty of compounding, those additional investments can add a meaningful amount to your portfolio’s value.