Portfolio Management

The ongoing management of retirement, trust, custodial and other portfolios continues long after investors answer the important questions in the following Financial Planning section. Unfortunately, the financial planning process often ends up with the planner recommending expensive, 3rd party investment accounts because these programs pay very High Fees Every Year and don’t take up the salesperson’s time after the initial sale.

Since these programs are a huge source of Ongoing Profits investment firms typically want their salespeople to focus on selling these programs not spending time working for investors to manage their specific investments.

If financial planners, brokers, and insurance salespeople weren’t Paid Much More for selling these 3rd party managed accounts and didn’t have Pressure From Their Firms to increase fees every year, what would they actually recommend to their Family and Friends for their Conservative, Long-Term investments?

PTI believes the answer would be Diversified, Low-Cost portfolios of No-Load and Exchange Traded Funds.

Funds are Completely Liquid have Full Disclosure of their Expenses and Performance over different time periods, can be Much Less Volatile than individual stock positions and make it possible to effectively diversify portfolios of any size. With all of the choices easily available the obvious problem is Finding the Best Funds.

PTI does the research investors would do for themselves if they had the Time and Interest. Every month funds are compared in 50 Sectors of the worldwide securities markets to find the managers with the best combination of very Low Fees and consistently better Performance over different time periods. Growth and Income funds are ranked separately and given a PT Grade (A-Highest to F-Lowest). All investments and exchanges for PT Managed Portfolios are based on this fully disclosed research.

PTI has Absolutely No Incentive to invest into any fund.

PTI works for Self-Directed Investors and for investors who prefer Managed Portfolios. All Facts and Rankings are updated and sent to investors in their Monthly PT Update described in the following After Investing section.

PTI’s goal is to help self-directed investors make better decisions and show investors in managed portfolios how their individual investments are performing compared to other funds in the same market and sector.

Many investors own Individual Stock Positions they select and manage themselves and also have some assets invested into Managed Portfolios. There is no reason these investors need to have two accounts with exactly the same registration. PTR accounts are unique from other investment firms because both self-directed and managed positions can be held in the same Discount Brokerage Account.

Risk Tolerance
Performance Tracking Managed Portfolios are designed to provide conservative Growth and Income over time. No advisor can time the Short-Term Swings in the securities markets so funds that will be needed within a year should be invested in liquid, short term income funds or the money market.

Growth Funds that invest into a wide range of individual companies are less volatile than individual stock positions, but they can be more volatile than Income Funds that invest into long-and short-term bonds. Since every investors tolerance for fluctuations in the securities markets is different and can change over time PTI can’t appropriately diversify portfolios without input from the investor. This is why every investor receives a Monthly Update, for each account, in addition to their Ameritrade statements. These updates show the accounts diversification and the performance of each position. Investors should contact PTI if they want to change their Growth to Income Allocation.

Since accounts are Individually Managed investors can request changes in their specific investment allocations at any time. They can reduce market risk by requesting that a Fixed Minimum Percent of their account be invested in Shorter-Term Bond Funds or the Money Market. For more opportunity for growth over time they can request that Growth and Balanced Funds make up at least a Fixed Minimum Percent.

Without any Fixed Minimum Allocation Instructions PT Managed Portfolios will be broadly diversified between Growth, Balanced and Income funds and managed based on changes in each fund’s current PT Grade.