TIMGT – Your Trusted Partner in Investment Management in Scottsdale
What is 401(K) or Investment Management?
Investment management, also known as portfolio management, is the professional management of financial assets to meet specified investment goals. TIMGT works with you to identify your risk tolerance and recommend a model portfolio to help you achieve specific financial goals, from your working years straight through to retirement.
Our philosophy is to remain invested in a risk appropriate, diversified portfolio during bull phases to capture the most upside possible and apply risk management techniques to raise cash during bearish phases, attempting to protect gains achieved in the previous cycle.
In our weekly Investment Committee meeting, we discuss market themes, potential issues on the horizon, evaluate performance and discuss possible adjustments we might need to make to our models.
We understand the specific needs of pilots and flight attendants with 401(k) plans. Whether aiming for retirement or navigating your career, TIMGT provides straightforward investment management tailored to your needs.
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TOTAL INVESTMENT MANAGEMENT
ADVANTAGE
Total Investment Management believes a coordinated strategy of fundamental, technical and investment product research is the key to exceptional investment management. Below are our core investing principles. This is what sets us apart.
Technical analysis consists of tracking price movement by studying past market data constructed in chart form. Technical analysis helps us to determine when to buy and sell a security. Investor psychology tends to repeat itself.
By studying the charts, we find patterns that repeat throughout history, which helps improve our odds of success. Total Investment Management in Scottsdale has used technical analysis for over 20 years. Technical analysis is a tool we use to control risk.
Our long-term bear market signals are technically derived, which allows us to move defensively before we are in a recession.
Investment expenses are extremely important when managing money and have been moving our portfolios more and more to Exchange Traded Funds (ETFs)—baskets of stocks that track specific market indexes. There are two major differences between mutual funds and ETFs. ETFs are less expensive -which means more money in your pocket.
We believe ETFs are the way of the future and should hold majority positions in your portfolio. There are exceptional mutual funds that have great long-term track records, consistently beat their benchmarks, and specialize in certain areas.
We use these for market areas where we feel we need professional expertise: bonds, alternatives and select equity asset classes. When evaluating these investments, we look at expenses, manager track record, performance, and other key factors to develop our positions.
Due to the size of our investment positions, we have direct access to fund managers, adding another layer of research you typically can’t get on your own. Lastly, we are completely independent, so we look at all possible investment choices. We have no allegiance to any one firm.
The future is unlikely to be exactly a mirror of the past, but analyzing the past gives an understanding of the relationship among important variables and informs us to help make better projections. Our fundamental research involves a broader scope known as a ‘top-down macro approach.’
The practice of macro-fundamental analysis begins by determining the state of the economic environment, its impact on industry groups and the implications of that environment for investment decisions. We utilize fundamental research to develop market expectations and appropriate levels of risk in our asset allocation process.
By examining economic factors such as interest rates, GDP, inflation, and employment, we determine the strength of the market and control the appropriate level of exposure to sectors of the global economy throughout business cycles.
As your 401(k) plan advisor, Total Investment Management adopts a top-down macro approach to fundamental research, analyzing economic factors like interest rates and GDP to shape market expectations.
Tailored for Your Financial Journey
Our customized approach empowers you to choose investment services aligned with your current life stages. Share your inquiries with us, and let’s work together to craft an investment management solution just for you.
Frequently Asked Questions about Investment Management
We work with clients from their working years to retirement, offering a comprehensive approach to investment management. We aim to provide personalized strategies that adapt to various life stages, whether you are just starting to save, nearing retirement, or enjoying post-retirement years.
Diversification is a critical element of our approach. We analyze various asset classes and investment opportunities to construct well-balanced portfolios aligned with our client’s risk profiles.
Our philosophy is to stay invested in a risk-appropriate, diversified portfolio during bull phases to capture potential upside. Additionally, we employ risk management techniques during bearish stages to raise cash, aiming to protect gains from the previous cycle.
Our weekly meetings serve as a platform to discuss market themes, identify potential issues on the horizon, evaluate portfolio performance, and deliberate on possible adjustments needed for our models.
Technical analysis involves tracking price movements by studying historical market data in chart form. At TIMGT, this tool helps us determine optimal times to buy or sell securities by identifying patterns that repeat throughout history.
We recognize the importance of managing investment expenses and have increasingly shifted portfolios to ETFs, which are less expensive than mutual funds. We believe ETFs, being cost-effective, should hold majority positions in portfolios.
No, we acknowledge exceptional mutual funds with solid track records. We utilize them in areas where professional expertise is crucial, such as bonds, alternatives, and select equity asset classes.
Absolutely. By examining economic factors such as interest rates, GDP, inflation, and employment, TIMGT can dynamically adjust exposure to sectors of the global economy, ensuring adaptability throughout different market conditions.
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Weekly Market Update
Would you like a more in-depth look at the market this week? Our Weekly Market Update provides a recap of the trading week in an easy-to-understand engaging video. Learn more about your money — with a little help from Todd Foster – our CEO.