At Walden Capital Advisors, we utilize the investment principles of asset allocation and diversification. According to academic research, asset allocation accounts for the majority of a portfolio’s return over time, while security selection and market timing are unreliable. Asset allocation refers to the choice of asset classes and the percentage of assets allocated to each. Simply put, it means diversifying your portfolio across many asset classes so as not to “put all your eggs in one basket.” By employing this approach, you may reduce the volatility, or risk, of the portfolio and produce a smoother return over time.

Fund Selection
We use no-load mutual funds and exchange-traded fund (ETFs) as investment vehicles for your portfolio. Your account will be invested in a wide range of asset classes including:

• U.S. and international equities
• Large, mid, and small cap equities
• Value and growth equities
• Diversifying strategies
• Fixed income investments

Using both actively and passively managed mutual funds, we generally look for a minimum three-year fund history, three-year manager tenure, good performance relative to benchmarks and peer groups, consistent investment style, lower volatility and lower expenses. Assets are held in your name at a well-recognized, independent custodial firm. We purchase and sell investments in your account on a discretionary basis according to your personal investment strategy.

Periodic Rebalancing and Monitoring
Walden Capital Advisors adds unemotional discipline to your portfolio through the rebalancing process. We rebalance in the following situations:

• Markets move such that the allocations are outside acceptable ranges.
• We decide to marginally overweight or underweight a particular asset class.
• We add a new fund or sell an existing fund.

Investment models, mutual funds and the capital markets are monitored on a continuous basis by both Walden Capital Advisors and a team of outside analysts. Client accounts are reviewed periodically to determine if the asset allocation is consistent with the Investment Policy Statement. When warranted, we make appropriate changes to your portfolio. This investment process is designed to help preserve and grow your wealth.