IFA-UK.com provides investor education with the ultimate goal of matching United Kingdom investors with risk-optimzed portfolios index funds. IFA-UK is an information only website created by Index Funds Advisors, Inc., a United State registered financial advisory firm and the internet's foremost provider of investor education, focused on passive rebalancing investing strategies using index, asset class, or tracker funds. We are referring interested parties to Blackstone Wealth Management. Please contact them if you have a need for wealth management.
How much risk is right for you?
Knowing the answer to this single question empowers you to invest to earn the highest returns to which you are entitled. That’s right. Every investor is entitled to a return that is based on their ability to take on risk—your Risk Capacity. A critical first step toward earning the highest returns that are best for you is to learn how much risk you can take. Find out your Risk Capacity right now.
Matching People with Portfolios!
IFA-UK’s 20 risk-appropriate portfolios of index funds (indexfolios) enable you to invest according to your unique Risk Capacity. Each Indexfolio is comprised of risk-appropriate blends of as many as 11 unique indexes.
Investing Science—not Speculation
The groundbreaking discoveries achieved by Nobel-prize winning economists are the springboard for IFA-UK’s investing strategies. Implementing the important risk and diversification methodologies set forth by Markowitz, Sharpe and Miller—the fathers of Modern Portfolio Theory, the IFA UK Indexfolios expand upon their legendary achievements.
The IFA-UK 20 Indexfolios are constructed according to the important empirical research of Eugene Fama and Kenneth French—the investing mavericks who together discovered that more than 90% of all equity market returns come from exposure to three specific risk factors for stocks: market, size and value, and two for fixed income: term and default.
Each risk-appropriate Indexfolio carries more than 80 years of historical risk and return data, giving investors long term risk and return characteristics.
Passive vs. Active Investing
Numerous studies show that passive investing is more profitable in the long-run to active investing. Why? Active investors ride an expensive roller coaster. They buy and sell stocks and funds out of sheer speculation. They chase returns, and frequently jump in and out of the stock market based on hunches and random news. All of this needless activity causes most investors to earn returns that are inferior to a portfolio made up of a risk-appropriate blend of index funds. Even worse, active investing increases risk, expenses, taxes, anxiety, and uncertainty. Speculating in the stock market can deprive you of the highest expected returns you would simply have if you bought and held a passively managed blend of globally diversified index funds that matches your risk capacity.
Diversify Away Risk
Indexfolios are designed to provide substantial global diversification (approximately 13,000 companies in 40 countries) in order to reduce investments concentration and the resulting increased risk caused by the volatility of individual companies, indexes, or asset classes. The Indexfolios have been developed for you education in index investing and as such our constant monitoring has taken into account annual re-balancing,a consideration of risk exposure consistensy, fees and costs, and tax, and tax ramifications to maintain target asset allocations as shown in the 20 Indexfolios.
Comprehensively, they provide overwhelming evidence and support
for the investment strategy of Index Funds Advisors, Inc. to buy,
hold, and rebalance index funds.
Mark Hebner explains
the 12-Step Program for Active Investors
Reviews and Information
From a Reformed Pusher
Petri, R. (Finland) 11/9/05
Having worked in the financial services industry for over
20 years, I have known about our "dark
secret" for a while. Over the years I have provided
thousands of "addicts"
with their fixes, thinking if I don't, someone else will.
Now, having come out of the closet of "smoke and mirrors",
I can only hope that a book like Mark Hebner's 12 Steps
gets a huge following among all types of investors. It wouldn't
hurt many of my colleagues in the industry to read it too.
Who knows, our profession might even get back some of the
respect which we have succeeded in losing totally. I am
finally able to meet my clients with a straight face.
"...an incredibly handsome and wise book. We must
be near a "tipping point" of passive over active. Perhaps
your book will mark the moment. Congratulations!"
The 12-Step
Program is a complete investor education program and the
treatment of choice for active investors. On average, about
100% of portfolio return level is explained by the index funds
allocation. (see 1, 2)
IFA is looking for volunteer translators of the 12-Step Overview
for all languages. Please
email us if you would like to help us change the way the
world invests.
In the opening speech at the annual Wealth Management and Trust Conference, wealth managers were "urged to embrace passive investing." Read the article here
Primal Picks: "In the four years since Mr. Monk has chaired and inspired this contest, his stocks have posted annual returns of 37 percent, 36 percent, 3 percent and, in 2006, 36 percent, beating the major indexes every time. It's proof that you don't have to be an insider CEO, an insider hedge-fund manager or a loudmouth on CNBC to make money in the market."
"The Speculation Blues"
Pension fund flops cost savers £12bn.