•  "The hand that rules the press, the radio, the screen and   the far-spread magazine, rules the country."

    Judge Billings

    “All intelligent investing is value investing. Aquiring more that you are paying for. You must value the business in order to value the stock.”

    Charlie Munger
  •  “I love quotes… but in the end, knowledge has to be   converted to action or it’s worthless.”

    Tony Robbins
  • “A person who has not made peace with his losses is likely to accept gambles that would be unacceptable to him otherwise.”

    Daniel Kahneman
  • You can do several things at once, but only if they are easy and undemanding.

    Daniel Kahneman

    “When it comes to investing, we want our money to grow with the highest rates of return, and the lowest risk possible.While there are no shortcuts to getting rich, there are smart ways to go about it.”

    Phil Town
  • “We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.”

    Waren Buffet

    “The stock market is filled with individuals who know the price of everything, but the value of nothing.”

    Phillip Fisher
  • "If you cannot control your emotions, you cannot control your money"

    Warren Buffet

    “Wide diversification is only required when investors do not understand what they are doing.”

    Warren Buffet
  • “Know what you own and know why you own it.”

    Peter Lynch

    “It is impossible to produce superior performance unless you do something different from the majority.”

    John Templeton
  • “Buy not on optimism, but on arithmetic.”

    Benjamin Graham

    “Although it’s easy to forget sometimes,a share is not   a lottery ticket… it’s part ownership of a business.”

    Peter Lynch
  • “The desire to perform all the time is usually a barrier to performing over time.”

    Robert Olstein
Iris Wealth Advisory, A Registered Investment Advisor Firm


Two powerful factors that drive the business cycles and market volatility are fear and greed. Those are also the factors that affect the performance of your investments. It is practically impossible to avoid those factors. 

​Successful financial planning takes these factors into consideration and investments are placed in such a way that you could have a soft landing in the roughest of markets. 

​Your age to financial independence, risk tolerance, ability to manage cash flows will affect the performance of your investments over the long term.  

Important task

It is for a company or an individual managing 

cash flows

Whether it is for a company or an individual managing cash flows, it is an important task that will determine the amount and type of risk that can be taken. If cash flows are not well managed, you will be forced to sell at an in opportune time making it difficult for you to recover the losses. Failure/loss is not fatal if proper risk management is in place and a long-term plan to manage cash flows in a viable way exists. Historically, markets have done well in the long term despite extreme short-term swings. It is imprudent to not use the long-term growth possible in capital markets due to the fear of volatility. Fear of the unknown can be over come by proper cash flow planning and not putting all eggs into one basket.

Periodical readjustment of your investments from one bucket to another (short term, medium term, long term) will help you over prolonged time periods as you can benefit from the compounding possible while managing risk. Seeking a return that is appropriate for the risk taken is an age-old technique in capital markets. Historically this method has worked over large time periods because of the exponential growth possible due to small changes in returns over prolonged periods of time.

It is a continuous process to study the markets and adjust your investments based on your customized preferences due to your risk tolerance and comfort level. A seasoned financial adviser that works with multiple investment managers will stay on top of analytics part of various short term, medium term and long-term investment strategies to seek risk adjusted alpha for you and customize the portfolio drawing from the experience and variety of multiple investment managers.

With compounding dramatic effects are possible

With compounding dramatic effects are possible, even with a small difference in performance attained consistently due to tax efficiency, multi asset strategy or multi bucket strategy. These effects will have a huge impact on your nest egg over time.

There are plenty of arguments and debate about which method is best. What works best is the method you chose based on evaluating all the options available and risk controls in place. With so much complexity involved, it is best to work with professionals whose interests are aligned with yours with a long term view.