Market News

One’s investment portfolio is always at risk to an unforeseen event such as the 9/11 attacks, the implosion of the mortgage market in 2008, or even a foreign actor trying to invade a democracy. Imperil can be mitigated by diversifying an investment portfolio by industry, geography, and through the timing of investments (building positions over time.)

However, there are two drains on a portfolio’s performance that can be controlled:

Choosing the right investment vehicle

Generic investments are sometimes delivered in exotic insurance or limited partnership vehicles that hide excessive fees. Some of these investments marketed as being “tax favorable” will actually increase the tax rate on an investor’s appreciation. At Tre Api Wealth, our fees are transparent, and investments are held simply in an account at Charles Schwab & Co. We welcome our clients using to us as a sounding board to evaluate many of these too-good-to-be-true investments, and we will be able to steer you away from thousands of dollars in masked and unnecessary fees and commissions.

Taxes

Taxes can be minimized by both the simple titling of assets and the timing of transactions. For instance, it is rarely advisable for an elder person to sell a highly appreciated asset. “Joint tenancy “can also eliminate favorable tax benefits. We are here to provide you with a holistic investment experience.

Below are articles written by Lou Barberini that address some of these issues in more detail.