Our Investment Philosophy Over the long-term, the stock market out-performs other investments. This general advantage can be magnified by identifying times when the chances of high returns are best. We recognize such opportunities through "models" that suggest profitable shifts in your portfolio. Using no-load mutual funds makes these shifts inexpensive.Before beginning an investment program, investors need to answer five basic questions:What returns do I want?What risks are acceptable?How should my money be divided among types of investments?Who should manage my investments?How should I judge the results?An accurate picture of these goals, risk tolerances, and management roles generates a realistic investment strategy. Working from this understanding of each other, we can achieve good returns within your level of risk. This process is personal; it requires your insights into how your investments should reflect your financial and personal needs.