All investments are via passive instruments (ETFs) actively managed by Alan Miller who has one of the longest outperformance track records. Asset allocation, an investment strategy that aims to balance risk and reward by apportioning a portfolio's assets according to risk tolerance and investment horizons, plays the largest role in our portfolio performance.

The consensus among most financial and academic professionals is that asset allocation is one of the most important decisions that investors make and is the principle determinant estimated to determine over 90% of a portfolio's returns.