Needs-Based Allocation

Overview

Needs-Based Allocation is an asset management platform that melds financial planning and asset management in a way that better aligns a client portfolio with their needs and circumstances. We view it as a uniquely custom CIO dashboard and an investment policy statement enhancer. The platform embeds GMO asset allocation insights and expertise and is built on almost a decade of deep research to solve the problem of portfolio construction for individuals.

One of Needs-Based Allocation’s most important insights is that the primary risk an investor faces is not volatility. Rather, it is that they don’t have the resources they need when they need them. Instead of orienting portfolios around traditional concepts of risk aversion and volatility, we orient portfolios around the needs and circumstances of each investor.

Our vision is to help people achieve financial well-being and to help financial advisors build better portfolios for all their clients.

Featured Research

   
Investing for Retirement: The Defined Contribution Challenge
Investment Horizon and Portfolio Selection
Optimal Holdings of Active, Passive and Smart Beta Strategies
A Case Study in Multiperiod Portfolio Optimization: A Classic Problem Revisited

 

Needs-Bassed Allocation melds financial planning and asset management