When reviewing an investment strategy, there are many factors to consider. What is the compensation structure with your advisor? How actively managed are my funds? What has my performance been compared to other similar investments?

Harvest Future Financial aims to be transparent in our approach. We have an independent business model that allows us to focus on our client's goals first. 

At Harvest Future Financial, we utilize an investment screening process that helps to ensure that you are in quality funds that have performed well when compared to similar funds. Our investment screening process focuses on three key areas:
 

1. Morningstar Rating: Morningstar rates mutual funds and ETFs from 1 to 5 stars based on how well they've performed (after adjusting for risk and accounting for sales charges) in comparison to similar funds and ETFs.
Within each Morningstar Category, the top 10% of funds and ETFs receive 5 stars and the bottom 10% receive 1 star.
2. Performance compared to benchmarks: If a portfolio manager consistently picks stocks that outperform the benchmark, the mutual fund or exchange-traded fund will produce higher rates of return. Money managers are ranked based on the portfolio rate of return and how those returns compare to the benchmark.
3. How funds performed compared to benchmark in negative market years: Funds that have a performance history that includes negative market returns allow for investors to see performance in times of extreme market volatility. Time tested funds allow for you to better evaluate performance of a strategy compared to a funds benchmark.

 

Your fund selection is a key factor in your plan and should be revisited on a regular basis. Funds that were highly rated at one point and out performed, may change managers or have a drift in their investment style over time. Let Harvest Future Financial help you determine if your current investment mix still meets your needs.

Harvest Future Financial offers both brokerage accounts and fee based advisory accounts. We beleive in compensation structures that are aligned with the value we are adding to your plan. 

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