PASSIVE INVESTMENT MANAGEMENT

Whether you have a retirement account through your workplace or individual retirement accounts, Noble Street will manage those assets on your behalf. With passively managed investment accounts, we do not have any authority to trade within your account without your permission.

Most money managers charge investors 1 or 2% annually to manage client assets passively. We prefer to educate our clients on how they can manage their assets independently, but we understand many investors are not interested in doing so. We don't think it is fair to pay a firm 1 or 2% of your hard-earned retirement money to answer your phone calls or respond to an occasional email. Understanding the importance of management fees and how they affect your portfolio over time is essential for investors. 

Our initial conversation will determine if your portfolio's asset allocation is proper for your investment risk tolerance and time horizon. Once we determine the right portfolio asset allocation, we select an allocation of low-fee ETFs or a selection of individual stocks (see Freedom Portfolio Watchlist) to place your assets in. When we get your portfolio set up, your future contributions will automatically be invested into the portfolio of ETFs or individual stocks. No trading is done in your portfolio; you simply dollar-cost-average into the ETFs or individual stocks over time. We do not make any changes to your portfolio without your request to do so. We will monitor the portfolio and may make suggestions if we determine there is a need to make a change due to market conditions, or if there has been a change in your life and/or career. 

What Noble Street does for you:

• Portfolio Review to make sure your asset allocation is in line with your risk tolerance and time horizon.
• Transfer of accounts, and/or choosing and opening of new accounts. 
• Selection of low-fee ETFs or individual stocks. 
• Provide Quarterly performance reports
• Provide superior customer service via phone call or email.
  

ACTIVE INVESTMENT MANAGEMENT

The FreedomPortfolio is an actively managed portfolio of equities covering all 11 market sectors and is constructed with a 5 and 10-year outlook. The portfolio is weighted towards Industrials, Materials, and Energy, as our research leads us to believe those are all areas that will be essential to the prosperity of both developed and emerging markets.

While the FreedomPortfolio is actively managed, trades are made infrequently and are based on moving averages. Many traders refer to this style of trading as "Swing Trading". The majority of holdings in the Freedom Portfolio pay a quarterly dividend, although some companies pay dividends monthly, semi-annually, or annually. At Noble Street, we are big fans of compound interest. Our portfolio manager looks for companies whose stock price has been beaten down for no good reason and buys them when they are at historically low prices. He constantly monitors price action, and when those companies' stock price reaches historically high price valuations, he begins to close out the position to create cash to repeat the process. All while collecting dividends along the way.

Unlike passively managed accounts, Noble Street will have discretionary authority to trade in investors' accounts. The active management of the Freedom Portfolio takes into consideration investors' tax risk, and the portfolios capitalize on tax-loss harvesting to minimize the impact of capital gains tax on taxable accounts, making sure to avoid the IRS wash-sale rule. 

What Noble Street does for you:

• Portfolio Review to make sure your asset allocation is in line with your risk tolerance and time horizon.
• Transfer of accounts, and/or choosing and opening of new accounts.   
• Provide Quarterly performance reports
• Provide superior customer service via phone call or email.