Valentine Ventures - What We Do

• Portfolios are invested across multiple asset classes, and diversified via Exchange Traded Funds for maximum potential risk-adjusted returns.
• Complete Wealth Management including the creation of a customized Financial Plan.
• Low cost trading and management.

Philosophy

The most important consideration for an investment portfolio is its asset allocation strategy. Asset allocation strategy entails selecting the proper amount of investment to each asset class (US stocks and bonds, Foreign stocks and bonds, Real Estate, Commodities, Currencies and Other assets). Target asset allocations are denoted in the Investment Policy Statement and are based on a variety of factors including: time horizon, income requirement, growth objectives, taxability, and liquidity needs. The ultimate blend of asset classes is unique to each account.

Growth Portfolio Strategy

Valentine Ventures seeks to create the optimal blend of growth assets including US and Foreign Stocks, Commodities, Foreign Currencies, Real Estate, Derivatives, and Other assets.  Adding non-correlating assets in a portfolio context reduces risk and enhances return potential.  To achieve that diversification, Valentine Ventures employs Exchange Traded Funds (ETFs).  ETFs are diversified portfolios of stocks and other assets that trade as a single stock.  The are akin to index mutual funds, but offer distinct advantages:

• Lower Expenses - ETFs typically offer lower Operating Expense Ratios and they are always no-load.

• Exposure to Alternative Assets - In addition to baskets of stocks, ETFs can be comprised of commodities, currencies, and other non-traditional assets that preclude the need to set up trading accounts for futures, options, and currencies.

• Tax Efficiency - ETFs are typically based on broad indices, and there is no active management within them, except as neccessary to rebalance as changes in the indices dictate.

• Liquidity - Most ETFs trade with substantial volume, allowing easy execution.

• Flexibility - ETFs trade at any time during the trading day, unlike mutual funds that trade at the end of the day based on only one price level per day.  Additionally, ETFs are not constrained to a "minimum order" and can employ the use of stop and/or limit orders, as well being able to be sold short.  Finally, ETF purchases are not subject to round-lot orders.

Bond Portfolio Strategy

Bonds are used to preserve capital and provide for income needs. The bonds that are bought are held to maturity. The typical portfolio contains a laddered mix of maturities across the yield curve. We use a combination of fixed and floating rate bonds including Corporate, Treasury, High Yield, and Municipal Bonds, depending on circumstances.