About Us



Why do we invest? It’s not always to beat the market. It’s not always to become the richest family in town. It’s not necessarily to prove how smart we are. We invest for specific goals – financial independence, retirement, college, or to buy a house. We invest so we can have a shot at living the life we want.

 

 

 

Success is the goal

You want to have enough money to lead the life that you want. It's as simple as that. If you go out there, roll the dice, and try to become super rich, you’re taking unnecessary risks just to beat a market that's stacked against you. While the opportunity for success exists, it comes with the risk of catastrophic failure, and failure is not an option.

The Invst philosophy: you’ve worked hard to save your money. It should be managed to optimize the likelihood of success over the long-term. Broadly diversifying your investments, being careful about taxes and investment costs, and making sure you protect against downside are the keys to success.

By using carefully constructed portfolios, applying momentum and trend following where appropriate, the goal is not to beat the market, but to manage downside risk, reduce drawdown and volatility, manage poor investor behaviors, and empower you to live the life you want. Invst exists to help you reach your full financial potential.

 

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What doesn’t work:

  • Market Timing
  • Stock Picking
  • Performance Chasing
  • Track Record Investing
  • Speculating and Gambling

Investment performance erosion factors:

  • Volatility
  • Investor Behavior
  • Hidden Costs
  • Fees
  • Over Diversification

Dangers that lie ahead:

  • Sequence of Return Risk
  • Longevity Risk
  • Taxes
  • Life Events
  • Technological Changes

Modern Portfolio Theory

Traditional advisors rely on Modern Portfolio Theory (MPT) for investing guidance. Despite its name, Modern Portfolio Theory is not very modern. MPT was first presented as an investment theory in the 1950's! Times and markets have changed in the last 60 years with the advent of advanced information technology and expanded globalization. While the underlying theories of MPT are not broken, we now know they are incomplete. Recent research reveals that markets aren’t as efficient and asset classes that may be non-correlated today may behave very differently in volatile environments. Its no longer prudent to rely on MPT alone. Invst takes contemporary evidence into consideration when helping you build your financial future.

The Invst Approach

Invst strategies combine reality (evidence) with theory to create a better investment experience for clients. Here are some truths we’ve discovered and use with our investment strategies:

  • Being too aggressive can create too much volatility for investors to stick with it
  • Why sell good stuff just to buy bad stuff?
  • Investor financial behaviors are often counter intuitive. Sticking to a rules-based, disciplined approach helps coach through good investing
  • Every smart investor looks at the downside first, not the upside
  • Investing based on evidence is more viable than those which adhere to just one theory
  • Global asset diversification is important
  • Simplifying the investing experience is the key to long-term success
  • Address real life situations with investment decisions – no one invests with a 30-year horizon. Life happens!

Investing is not about a goal, target, or magic number. It’s about maximizing your financial potential with good habits, aligning your behaviors with your most important values, and controlling the factors which can limit your success to the best of your ability. You can never eliminate drawdowns, risk or volatility, but invst.com is structured to apply proven principles to suppress factors which limit your exposure and capture potential.

Our belief is that markets are not always priced efficiently and investors do not always act rationally. They rarely act the way textbooks say they should. Markets can and do rise and fall. Investors can and do act irrationally for long periods of time. Using price momentum to capture these waves in a portfolio simply makes sense.

Save the Investor

In 1992, Nobel Prize-winning economist Eugene Fama and Ken French created the 3-Factor model to describe stock returns: 1) Company Size, 2) Value, and 3) Market Risk. In 2015, they extended the model to 5, adding Profitability and Investment.* We believe momentum, identified by Fama and French as the persistent market anomaly, is the sixth factor. For this reason, we named our investment strategies Factor VI.

As an early adopter of new and improved research, JarredBunch - the investment engine behind Invst - has developed several rules-based investment strategies that we feel address the behavioral and return goals of our clients. The goal is to maximize returns and limit downside risk. While we can never eliminate drawdowns, risk, and volatility we can apply proven principles that limit investor exposure and capture upside potential.

One of our core beliefs is that wild fluctuations in the market can kill your returns. These volatility gremlins, best described by Ed Easterling in Unexpected Returns, erode your compound returns over time leaving you with less money. The beauty of our momentum strategies lies in avoiding the big declines. By reducing volatility and increasing the consistency of investment returns, you will realize higher compounded returns and a less stressful investment ride.

We look forward to helping you achieve your full financial potential.

Important Information:

Invst is a division of JarredBunch Consulting LLC , an SEC (Securities and Exchange Commission) Registered Investment Adviser.

As an independent RIA and an SEC-regulated company, JarredBunch serves as a fiduciary to our clients. Meaning our advisors act solely in the client’s best interest when offering personalized financial advice.

Assets held at TD Ameritrade, providing an extra layer of security for your account(s).

TD Ameritrade, Inc. is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure is available on request at SIPC.org.

TD Ameritrade provides each client $149.5 million worth of protection for securities and $2 million of protection for cash through supplemental coverage provided by London insurers. The TD Ameritrade supplemental coverage has an aggregate limit of $500 million over all customers. This policy provides coverage following brokerage insolvency and does not protect against loss in market value of the securities.