Investment Philosophy

At Bold Wealth, we believe every client deserves a smarter, more resilient way to invest. Our approach is built on institutional strength, deep diversification, and a clear focus on real-life outcomes, not market noise.  These five principles guide how we build portfolios and how we support the people who use them.  

Traditional vs. Evidence-Based Investing

Not all investment approaches are created equal. Traditional strategies often rely on speculation and short-term decisions, while evidence-based investing is rooted in academic research, diversification, and discipline. At Bold Wealth, we follow a pension-style evidence-based approach designed to deliver consistent, long-term results for financial planners and their clients.

Traditional Investing
Evidence-Based Investing
Relies on predictions and market timing.
Relies on decades of academic research and data.
Focuses on picking “winners” (stocks, funds, managers).
Focuses on broad diversification and long-term discipline.
Performance depends heavily on luck and timing.
Performance is driven by consistent exposure to risk factors.
Often higher fees and hidden costs.
Transparent, low-cost, and efficient portfolio design.
Emotional decision-making during volatility.
Rules-based approach that reduces emotional bias.
Narrow access to investment opportunities.
Access to private markets and institutional strategies.
PRINCIPLE 1

Discipline Over Distraction

Short term headlines and market swings should not dictate long term decisions. We believe in staying invested with clarity and purpose, guided by evidence rather than emotion. By keeping advisors and clients focused on the plan instead of the noise, we give wealth the time it needs to grow.

PRINCIPAL 2

Real Diversification Lives Beyond 60/40

True diversification goes far beyond a simple mix of stocks and bonds. Our portfolios include public markets and a thoughtful mix of private equity, real estate, infrastructure, farmland, private debt and more. This deeper opportunity set helps create smoother journeys and more resilient outcomes for the families and institutions we serve.

Bold Wealth Balanced Portfolio

Equity

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US stocks - active
12.50%
US stocks - passive
10.00%
International stocks - passive
7.50%
International stocks - active
6.25%
Emerging markets stocks
6.25%
Canadian stocks
5.00%
Tactical stocks
2.50%

Fixed Income

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Traditional bonds - active
16.25%
Private Mortgages
6.25%
Traditional bonds - passive
1.25%
Private Fixed Income
1.25%

Alternatives

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Farmland and Agriculture
6.25%
Insurance-Linked Strategies
6.25%
Private Equity
6.25%
Real Estate
3.75%
Infrastructure
2.50%

Traditional Balanced Portfolio

Equity

stocks
60%

Fixed Income

Bonds
40%
Chasing last year’s winners rarely works. Diversification is smarter than prediction.
PRINCIPLE 3

Institutional Access Should Be For Everyone

Every investor deserves the strength of pension-style investing. We offer institutional-grade portfolios and rigorous oversight, opening doors that were once reserved for only the largest institutions. The result is a higher standard of risk management and long-term discipline in every portfolio.

95.51% Underperform

Most active managers fail to beat their benchmarks over time. Short-term bets, constant trading, and chasing market “noise” erode returns and create more risk than reward.

Only 4.49% Outperform

A small fraction consistently delivers better results—and it’s rarely due to luck. Instead of trying to guess the winners, we rely on disciplined, evidence-based strategies that tilt toward proven drivers of long-term success.

PRINCIPLE 4

Your Story Guides Every Decision

No two lives, and no two practices, are the same. We design portfolios that align with real goals, timelines, and risk preferences so that clients can see a clear connection between their plan and their investments. Every decision is made with purpose, not just in response to market cycles.

PRINCIPLE 5

Success is Personal, Not Relative

Your portfolio should reflect your unique ambitions. That's why we focus on retirement timelines, income needs, and multigenerational goals, rather than chasing one-size-fits-all solutions.

Ready to Feel More in Control of Your Wealth?  

We design portfolios that reflect your needs, your timeline, and your long term goals. If you want a clearer path to financial confidence, we are here to guide you forward.  

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