Hamilton Capital Partners | Atlanta, GA — Hamilton Capital Partners

Actionable Guide for the DIY Investor

Acting on personal finances is often one of the most difficult things to do. Hamilton Capital Partner’s “Accelerated Freedom Program” provides actionable and transparent advice to help young professionals build wealth.

Below, we have provided several bullet points that can help guide “DIY” Investors:

  1. Automate your savings and investments. Although it sounds simple, we often find this to be one of the most difficult actionable items for young investors. Whether it be a weekly ACH from your checking account to an investment account or a consistent payroll deduction to your 401(k), the quicker your act, the better.
  2. Fees. Just because you are not paying an advisory/management fee does not mean you are not paying fees. Knowing your funds “Expense Ratio” can help increase investment returns over the long run. Many ETF’s and mutual funds are tilted heavily towards the same companies, so finding the lowest cost product is very important.
  3. Keep it simple. 2020 saw many investors trying to “beat the market” by applying sophisticated options/hedging strategies. Many younger investors did not understand the sophistication of leveraging their purchasing power. “Dollar Cost Averaging” is one of the simplest ways to build wealth. As markets pull back, you buy more of a fund, and as markets tear higher, you buy less.
  4. Diversification. Wall street tries to make investing more complicated than it is. Diversification does not mean own everything that is tradable. For younger investors, diversification can come in the form of an ETF that tracks an entire index, such as the S&P 500.
  5. Review your 401(k)/workplace retirement plan. This is a very important part of a retirement nest egg. Reviewing your 401(k) mutual fund fees at least annually can help cut costs and increase returns. It is also important to review your 401(k)-beneficiary information annually.


Happy Thanksgiving from the HCP team!!

This commentary reflects the personal opinions, viewpoints and analyses of the Hamilton Capital Partners, LLC, a registered investment advisor, employees providing such comments, and should not be regarded as a description of advisory services provided by Hamilton Capital Partners, LLC or performance returns of any Hamilton Capital Partners, LLC client. The views reflected in the commentary are subject to change at any time without notice. Nothing in this commentary constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Hamilton Capital Partners, LLC manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results. Hamilton Capital Partners, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites.