.jpg)
Most people in the market spend their time thinking about how much money they can make. That’s natural—it’s more fun to talk about doubling your money than cutting your losses.
But in our experience, the real key to building wealth isn’t how much you make when times are good, it’s how little you lose when they’re bad.
The math is simple but unforgiving.
If you lose 50%, you have to make 100% just to get back where you started. That kind of recovery doesn’t happen overnight—it can take years. And those years are years you could have spent compounding your gains instead of just digging out of a hole.
Think of investing like hiking up a mountain. Progress is slow and steady. But if you slip into a ravine, your first goal isn’t to climb higher—it’s to get back to where you were. That detour costs time and energy. In investing, avoiding those “ravines” is the key to getting further, faster.
That’s why we care a tremendous amount about downside protection.
A smoother ride doesn’t just protect your money—it protects your peace of mind. And that matters, because the biggest threat to most investors isn’t the market itself—it’s their own behavior.
When portfolios swing wildly, people get nervous. They sell at the wrong time and miss the recovery. Over decades, those emotional decisions can cost far more than a bad year in the market.
Our approach is straightforward: we play both offence and defense.
We prefer to own a mix of investments that don’t all move in the same direction—high-quality bonds, stocks, private credit, hedge funds, and even real assets—so when one area struggles, another can hold up or even shine. And we don’t guess about when to be aggressive or cautious; we let the data guide us.
When the numbers say the risks are rising, we turn down the dial. When the environment improves, we turn it back up.
This discipline helps us avoid the worst of the drops while still taking part in the gains.
Markets will always go up and down. You can’t avoid every bump, but you can avoid the big potholes. Protecting the downside won’t make headlines in a bull market, but over the long run, it can make all the difference between meeting your goals and falling short.
In investing, sometimes the best offence really is a great defense.
.jpg)
.jpg)
%20(1).jpg)
.jpg)