At Bluefin Investments, we realize every client is different and this requires a customized approach to investing.
We build every portfolio to meet our clients unique set of growth and income objectives, risk tolerance levels, and tax considerations.
COST
Individual investors pay an annual fee of 0.72% of the portfolio’s value on accounts under $500,000 and 0.60% on accounts above $500,000.
Accounts are charged on a monthly basis, which results in a monthly fee of 0.06% for accounts under $500,000 or 0.05% on accounts above $500,000.
For example, an account of $500,000 will pay an annual fee of $3,000, or $250 per month.
Bluefin's services are free for all active-duty military members. We recognize
the sacrifices our armed forces contribute and feel honored to serve them at no cost.
All military veterans pay half the rate of our rate quoted above.
This discount applies to the investment management services at Bluefin. Trading costs payable to our custodian incurred in the management of the portfolio remain unchanged.
PORTFOLIO CONSTRUCTION
We believe investors fare best with a simple, well-diversified portfolio of index funds and ETF's. For higher net worth investors, this serves as a foundation for the portfolio while individual stocks and bonds are added to potentially increase returns and reduce risk.
Core investments provide the portfolio foundation and are usually index funds or
ETF’s that follow a broad index. Individual securities and sector specific,
country, or commodity ETF’s are added as satellite investments. This is referred
to as a “Core and Satellite” strategy.
In order to properly create a client portfolio, we must first determine individual risk levels and objectives. This establishes a base around which the portfolio is formed. By combining these objectives with our investment outlook, we construct a portfolio designed to outperform in the long run, while minimizing investment risks. The strategy is adjusted based on tax-rate levels since taxes will have a substantial impact on total returns.
Once the portfolio is created, we continuously monitor the investments for any changes. As conditions change, we modify the investment portfolio accordingly. We like to focus on long term investments, but will occasionally make short term adjustments when needed.
RISK MANAGEMENT
Minimizing portfolio risk is critical to long term outperformance.
We reduce risk in a number of ways:
• Portfolios are widely diversified. Not just amongst stock and bond holdings,
but other asset classes included in the portfolio add to the diversity.
• Liquid investments. Investments are all actively traded and can be easily
entered and exited.
• No leverage is used. While leverage has the potential to increase returns,
a downturn can result in significant losses.
• Cash level adjustments. The amount of cash in the portfolio is increased
or decreased depending on our outlook for the market
• Position size limits. A percentage limit to an individual investment can
be made based on client preferences.
• Short positions. ETF’s that go up when the underlying index goes down may
be used as a hedge.
• Put options. A protective put acts as an insurance policy if an investment
loses value.
ONGOING CONTACT
We feel regular contact is an important part of our relationship with clients. In addition to periodic phone calls, we have several other methods of contacting clients:
Weekly - Every week a market commentary is emailed to clients, discussing the events of the week and updating our outlook for the market. This helps clients understand what we are thinking and what it means for their portfolio.
Monthly - We send a statement after the month’s conclusion detailing account balances. This is available online, too.
Quarterly - A performance report with more details on account balances and performance is delivered to all clients.
Current Clients - Information for your account CLICK HERE