Investment advisory services offered through Sharma Associates, Inc.
Securities offered through Resource Horizon Group, L.L.C., Member FINRA,  SIPC
1350 Church Street Extension 3rd. Floor, Marietta, GA Phone: 770-319-1970
Sharma Associates, Inc. and Resource Horizons Group, L.L.C. are not affiliated.

Opportunities in equity (stocks) investing can be identified in a variety of ways. One common approach is called growth investing, focusing on the stocks of companies with expected earnings growth in the near future.

Another approach is called value investing, which focuses on investing in mature, dividend paying, undervalued companies that exhibit the potential for long-term growth. Often, these companies are mature and the stocks of these companies are "out-of-favor" for variety of reasons.

History has shown that it is very difficult to "time the market" that is to predict in which year a particular style will be in favor. Historically, growth and value investments have often moved in different cycles, but have had more or less similar returns. Since we never know which investment style will perform better at any given time, combining both growth and value investments styles can be an efficient way to enhance long term investment returns.

Like any investment combining these two styles does not guarantee a profit or eliminate risk altogether, but only minimizes the risk. To further minimize the risk, it is important to diversify growth and value styles, international and emerging markets ETFs or mutual funds.

To further diversify part of the portfolio need to be invested fixed income products such as corporate bonds or other income producing financial products. 

To further diversify part of the portfolio need to be invested fixed income products such as corporate bonds or other income producing financial products. 

Investment Planning Process: Strategy:

Basically, I use this strategy to create investment portfolio unitizing personal investment profile information such as risk tolerance, time horizon and investment objectives. I monitor the portfolios quarterly and balance periodically in consultation with the client to meet the investment goals. I keep all my clients well informed through a well-researched quarterly review. 

I create and manage investments portfolios utilizing Exchange Traded Funds (ETFs) on fee basis to avoid and conflict of interest. Exchange Traded Funds are an intriguing alternative to garden-variety mutual funds.  ETFs offer comparably lower costs, higher tax efficiency, better transparency and intra-day liquidity, instant diversification, trading flexibility, access to hard-to-reach markets, and administrative ease to name a few advantages.

I also monitor and manage customized investment portfolio to match the clients' risk tolerance with time horizon in order to achieve financial goals, on fee basis to avoid any conflict of interest. Quarterly analyze and review each portfolio with the client.  Since I manage these portfolios on non-discretionary basis, I always discuss and review with the clients before making any buying and selling decisions or transaction.

As you know, past performance is no guarantee of future results. At any point of time, your investments may be worth more or even less than your original investments due to the market fluctuation.

Three Steps for Developing an Investment Strategy:

Step-1: Determining the Investment Profile
Step-2: Implement the Investment Plan
Step-3: Ongoing Monitoring of the Portfolio

Step One: Determining Investment Profile

The first step in creating a professional investment plan begins with a meeting to develop a profile that describes risk tolerance, time horizon and investment objective.

Once the Investment profile is completed, then it becomes the basis for creating and managing the investment portfolio that is best suited to meet financial objectives.

Step Two: Implement Investment Plan

The portfolio is designed utilizing Exchange Traded Funds (ETFs). Exchange Traded Funds are an intriguing alternative to garden-variety mutual funds.  ETFs offer comparably lower costs, higher tax efficiency, better transparency and intra-day liquidity, instant diversification, trading flexibility, access to hard-to-reach markets, and administrative ease to name a few advantages.

Why is it so important to diversify? Experts agree that diversifying the portfolio among different types of assets and among different investment styles is critically important to minimize the risk.

Diversified portfolio contains combinations of stocks, bonds and money market mutual funds from both domestic and international marketplace. Allocating assets in domestic, international and emerging markets and fixed income products such as bonds may reduce the impact of under performing while increasing exposure to investment opportunities.

Step Three: Ongoing Monitoring of Your Portfolio

Investing would be much simpler if the markets remained static or only go up. However, the investment world is a constantly evolving landscape of economic cycles and political and social issues, and all of these variables have a significant and continual influence on the financial markets. As such, your investment allocation cannot remain in a fixed state, but must adapt to changing market conditions

I constantly monitor current market conditions, review historical and current financial data to evaluate its potential impact on financial markets and portfolios.

This dynamic asset allocation process ensures that your assets receive the ongoing attention that is crucial for success in the ever-changing investment marketplace.

If you have any questions or need additional information, please feel free to call or email me. I am usually at my desk from 8:30PM to 10:30 PM doing the paperwork. This is the best time to catch me. During the day, you can always get hold of me at my cell phone: 610-613-1924.