Differentiating Factors
Traditional portfolio managers attempt to outperform their respective benchmarks through superior stock selection. Over the years there have been only a handful of standout managers such as Warren Buffet and Peter Lynch who consistently outperformed the market. They are the exception, not the rule. Industry statistics show that nearly 80% of all active managers fail to consistently beat their benchmarks. Rather than pay a manager to underperform, investors have been flocking toward passive index funds to save money on management fees.
Cutting out the management fees amounts to little more than a small victory for the average investor. The 2000-2002 bear market and the 2008 financial crisis subjected index fund investors to substantial losses (often exceeding 40% from peak to trough) in portfolio value. Returns like these beg the question, is there a better way to invest?
Those who continue to adopt the buy and hold approach will continue to suffer when markets decline. Conventional wisdom asserts that the prudent course of action in any market is to hold on to your investments and patiently ride out the rough times. The partners at Aeon reject the notion that investors must endure such large declines in account value as the price to pay in order to capture the returns produced by the stock market.
At the root of the problem is the fact that mutual funds and index funds are mandated to be fully (95% or more) invested in stocks, regardless of market conditions. This is a cause for concern because it ignores the fact that not all market environments offer equal rewards for the risks taken. For example, being fully invested in 2007 was much less risky than being fully invested in 2008.
Aeon believes that such differences in the investment climate can be automatically accounted for by employing a more adaptable investment approach. Adaptability is not achieved through stock picking, forecasting or market timing. It is achieved by basing investment decisions on what is currently happening in the markets, not on what is expected to happen. By combining adaptability with a state of the art risk management process, Aeon attempts to offer investors the returns they seek when markets advance and the protection they need when markets decline.