Institutional Investing

"When trillions of dollars are managed by Wall Streeters charging high fees, it will usually be the managers who reap outsized profits, not the clients. Both large and small investors should stick with low-cost index funds."

- Warren Buffett, Berkshire Hathaway1

Investment consultants and managers may struggle to justify their fees when results are compared against the appropriate baseline indexing strategy, controlled for risk. We believe it is time for the financial industry to stop enriching itself excessively at the expense of America's non-profit institutions and their employees.

Our institutional investing program begins with a promise to always be transparent. We will not mislead you: institutional investing is large and hence seen as a potent source of revenue by financial firms. But we do not believe, in general, the fees taken are justified by performance.

The best way to understand the fees and opportunity costs your institution has been paying is to have us run a simulation of your current program against the low-cost indexing approach. If a gap exists, and you are not satisfied with the explanation, a switch may be in order.

As an institutional investor, fee structures are something you need to be keenly aware of. The graphs below demonstrate the One Day In July advisory fee structure as compared to the industry average. Beyond just AUM fees, many firms tack on a variety of other fees that can chip away at your wealth. You can see many of the fees charged by the financial industry here.

One Day In July vs. Industry Average Asset-Based Fee Rate

We execute traditional and environmentally-focused investment approaches.

Finally, we recommend that you read this article about institutional investing of Carthage College (indexers) vs Harvard University (not indexers).

Our Shelburne, VT Financial Advisors have vast experience with institutional investing. Learn more here.

*Industry average data source:
1Berkshire Hathaway Inc. 2016 Shareholder Letter

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Pay Yourself First
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How to Invest an Inheritance
Investment Tax Strategy: Tax Lot Optimization
Vermont Retirement Planning
How to Make the Best 401k Selections
Investing for Retirement: 401k and More
Vermont Wealth Management
How to Rollover a 401k to an IRA
Environmental Investing: How it Differs from ESG
Vermont Financial Advisors
How to Invest for College Savings
Should I Try to Time the Stock Market?
Mutual Funds vs. ETFs
The Cycle of Investor Emotion
Countering Arguments Against Index Funds
Annuities - Why We Don't Sell Them
Aim for Average
How Finacial Firms Bill
Low Investment Fees
Understanding Fixed Income: Interest Rate Risk
Investing in a Bear Market
Investing in Gold
Is Your Investment Advisor Worth One Percent?
Active vs. Passive Investment Management
Investment Risk vs. Investment Return
Who Supports Index Funds?
Articles by Dan Cunningham
Does Stock Picking Work?
The Growth and Importance of Female Investors
Behavioral Economics
The Forward P/E Ratio

Shelburne, VT Financial Advisor

Frank Koster | Josh Kruk

145 Pine Haven Shores Road, Suite 2212

Shelburne, VT 05482

(802) 777-9768

Wayne, PA Financial Advisor

Peter Egolf | Adam Roof

851 Duportail Rd 2nd Floor

Chesterbrook, PA 19087

(610) 673-0074

Burlington, VT Financial Advisor

Hans Smith | Katie Bensel

Nancy Westbrook | Peter Egolf

Adam Roof

77 College Street #3A

Burlington, VT 05401

(802) 503-8280

Essex, CT Office

Keith McCarthy

5 Essex Square, Suite 3A

Essex, CT 06426

(860) 581-7011

Rochester, VT Financial Advisor

Available for meetings in Rochester, VT and surrounding area.

Carrie McDonnell

(802) 767-7665

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