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How Good Advisors Add Value

机译：好顾问如何增加价值

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Tennis players know that a pro can teach them the skills needed to make the variety of shots required for a well-rounded game. A teaching pro can also provide the winning strategy and the discipline to stick with that strategy. That is why even the top players in the world continue to have a coach. Investors can benefit from coaching in the same way a tennis player does. Just like the tennis pro, a good financial advisor can add value at the most logical point ― the starting line of the investment journey. No rational person would begin a journey to a place they have never been without a road map and directions. Neither should an intelligent person begin a business without a business plan. Using the same logic, individuals should not begin their investment journey without an investment plan, or what is known as an Investment Policy Statement. The IPS is a road map, including directions, identifying the investment objectives and risk tolerance of the investor. The outcome of the IPS includes both the asset allocation and a rebalancing table. The IPS should be the result of a long and thoughtful process during which the investor's ability, willingness, and per-haps most importantly, need to take risk are carefully identified. Arriving at the correct asset allocation is a critical part of the process as it determines virtually all of the risk and rewards of the investment portfolio. Thus, it is vital to determine an appropriate allocation. And since there is no universally correct asset allocation, just ones that are right for each individual, the process used is extremely important.
机译：网球运动员知道，职业选手可以教给他们进行全面比赛所需的各种击球技巧。专业教学人员还可以提供制胜法则和遵循该法则的学科。这就是为什么即使世界顶级球员都继续拥有教练的原因。投资者可以像网球运动员一样从教练中受益。就像网球专业人士一样，优秀的财务顾问可以在最合乎逻辑的点（即投资旅程的起点）增加价值。没有理性的人就不会没有路线图和方向就开始他们从未去过的地方。没有商业计划书的聪明人也不应开展业务。使用相同的逻辑，个人不应在没有投资计划或所谓的投资政策声明的情况下开始其投资旅程。 IPS是一个路线图，其中包括指示，确定投资目标和投资者的风险承受能力。 IPS的结果包括资产分配和再平衡表。 IPS应该是经过漫长而深思熟虑的过程的结果，在此过程中，应仔细确定投资者的能力，意愿以及可能最重要的是需要承担风险。正确分配资产是流程的关键部分，因为它实际上决定了投资组合的所有风险和回报。因此，确定适当的分配至关重要。而且，由于没有普遍正确的资产分配，只有适合每个人的资产分配，因此使用的过程非常重要。

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  • 来源
    《Accounting Technology》 |2004年第supplement期|p.21-24|共4页
  • 作者

    Larry Swedroe;

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  • 正文语种 eng
  • 中图分类 f;
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