General Disclosures

For informational purposes only; not individualized investment advice. Navigoe is an SEC-registered investment adviser. Registration does not imply any specific level of skill or training. 

With respect to concepts around Modern Portfolio Theory, keep in mind the following: Diversification does not ensure a profit or protect against loss, particularly in a broad-based market decline. Remaining fully invested exposes the portfolio to the full extent of market downside; avoiding market timing does not avoid market risk. Diversification and correlation assumptions are drawn from historical data and may not hold during future market conditions. Any mention of Dimensional Fund Advisors is not a recommendation. Comments around the history of Navigoe reflect an adherence to an investment philosophy and are not claims of past performance. Past performance is not an indication of future returns. Investing in securities involves the risk of loss.