KEY APPROACHES TO INVESTING
Like our approaching to budgeting, our approach to investing is also to leverage research-proven best practices, technology, and automation. In that spirit, below are some of the major themes that we use in how we advise our clients.

• ​80% of funds do not beat the indexes, and far fewer can do so consistently (less than one-percent)
• Therefore, select life-cycle, asset allocation, and index funds (automation and low expense ratios)
• Select investments/savings based on the time horizon of when you expect to need the money

1. < 1 year = savings account or money market
2. > 1 year and < 5 years = short-term bonds or certificates of deposit (C.D.s)
3. > 5 years = mutual funds, exchange-traded funds (ETFs)