Our time-tested investment philosophy comes from being students of the markets and some of the world’s best investors. There’s also a difference between what works in theory and what works in reality, in which experience is the best teacher.

Think like a business owner
“American business — and consequently a basket of stocks — is virtually certain to be worth far more in the years ahead.” – Warren Buffett

Invest for the long-term
“The big money is not in the buying or selling, but in the waiting.” – Charlie Munger

The market moves in cycles
“Bull markets are born on pessimism, they grow on skepticism, they mature on optimism and they die on euphoria.” – Sir John Templeton

There are times for offense and times for defense
“Be fearful when others are greedy and greedy when others are fearful.” – Warren Buffet

Don’t make emotional decisions
“The investor’s chief problem-and even his worst enemy-is likely to be himself.” – Benjamin Graham

Asset allocation and diversification reduce reliance on forecasts
“Forecasts are difficult to make-particularly those about the future.” – Burton Malkiel