Did You Know?


February 07, 2017


Portfolio Strategy and the Iron Laws.

   Investors and even financial professionals rarely recognize asset bubbles while they are in progress.  As the price of a financial asset rises, investors have an increasing tendency to use the past returns and the past trajectory of the asset as the basis for their future return expectations.  The more extended the advance, the higher valuations become, the more stable and promising the investment can appear to be, when judged through the rear-view mirror.
 

     
       As a Registered Investment Advisor, Just Plans Etc. has a fiduciary duty to protect the interests of each of the firm's clients and to place the client's interests first and foremost in every situation.

This includes providing full and fair disclosure of all relevant facts and any potential or actual conflicts of interest, a duty of loyalty and good faith, providing recommendations that are suitable, and seeking best execution of client transactions.

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That extrapolation was at the root of the tech bubble that ended in 2000, and the mortgage bubble that ended in 2007.  It is also at the root of the very mature bubble that has again been established today.  The exodus of investors from flexible investment disciplines to passive investing and indexing, at valuations that are among the most obscene in history, is a symptom of a performance-chasing mentality dressed in the clothing of prudence.
-John P. Hussman, Ph.D.
President, Hussman Investment Trust

 

 
       
   

 

     

 

 


 

 
     
Why Use An Advisor?

     Because some people don't have the time, interest, or ability to do it themselves.

It is easy to be overwhelmed by the multitude of alternatives one is confronted.  If not at age 30, then certainly by age 60, the #1 concern is having an adequate retirement income. Retirement income can only be provided by setting money aside ahead of time and investing it wisely.

We work with you to identify and quantify your objectives.  Once personal and financial information has been gathered, goals are established and constraints identified.  It is important that expectations be realistic. Investments are based on what is needed to reach your goals, taking into consideration your ability to tolerate market volatility.
 

When we manage your investments, the accounts are 100% discretionary. We may allocate portfolio assets to stocks, exchange traded and traditional mutual funds, separate accounts, CDs and Treasuries. Monthly statements are provided by the custodian. We provide quarterly performance reports and are available for personal reviews.

 

 
History

     In 1982 Just Plans was formed to provide investments for retirement plans, and to provide financial counseling to business owners and retirement plan participants.


In 1991 Just Plans shifted from a commission based firm to one based on a fee. Initially, clients okayed each trade; now trades are made at our discretion. Initially we exclusively used no load mutual funds held at Charles Schwab & Co; now we use all types of investments, but focus on individual stocks, exchange traded and traditional mutual funds.

 

Just Plans Etc., 1399 Ygnacio Valley Rd., Ste. #24, Walnut Creek, CA 94598          Tel:  925.988.0330     Contact Us
 

 

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