Our philosophy is based on the concept that markets and investments cannot be timed. Therefore a system of significant diversification is needed to achieve desired returns while reducing risk as much as possible. Our philosophy hinges on the belief that everyone should have a balanced portfolio.

Five pillars of the CHS Financial Group investment philosophy:

1. Outcome-oriented investing: we believe investment solutions should be designed to solve client problems.
2. Open architecture: we believe a research driven approach to investing - one which employs investment strategies that deliver against the desired outcome of our clients.
3. Investment discipline: we believe investment discipline is the most effective counterbalance to the behavioral tendencies of investors.
4. Risk: we believe attractive returns are the result of successful risk-taking.
5. Portfolio management: we believe that portfolios must integrate all of our critical competencies and be managed actively to achieve desired outcomes.

Investment Discipline

We design portfolios following completion of a comprehensive financial plan which outlines a client's risk profile and objectives. Risk-return considerations and appropriate asset allocation models are a natural byproduct of this process.

The type of investments that will be used in each asset class and investment category will depend to a large extent on the risk-return profile. Based on extensive research we will utilize a combination of professional money managers that have the people, process, philosophy and performance that best matches our client's risk-return profile.