Optimist TLC™
'" At Optimist we believe your investments should be easy to understand, easy to change and cost no more than is necessary. We call our approach TLC™, some tender loving care for your money that maximizes Transparency, Liquidity and Cost Effectiveness! "
Transparency
Transparency in your financial life means understanding what you own and why. It ensures your investments align with your values and avoids complicated or opaque instruments. It also avoids overlap in holdings across multiple funds, where different managers may own the same investments, limiting diversification.
The benefit? Confidence. Knowing exactly what you own and why frees you from doubt, helping you navigate financial storms calmly and seize opportunities.
Liquidity
Your financial life is a journey, not a one-time event. Life brings challenges and opportunities, and it’s reassuring to access your funds anytime. At Optimist, we prioritize liquidity, crafting personalized portfolios with transparent, easily managed assets—no overly complex, illiquid investments. We’ve seen the stress of being stuck in a failing, inaccessible investment, and it’s not worth it.
We believe liquid beats “locked up.” The benefit? Commitment. Knowing your portfolio is constantly monitored and up to date keeps you on track, and ironically, having easy access to your money means you're less likely to panic out of your plan.
Cost Effectiveness
Every dollar spent on fees, commissions, or charges is a dollar not working for you. Once you've built a transparent and liquid portfolio, why pay more than necessary for the same investments?
At Optimist, we believe in efficiency. We manage portfolios directly, avoiding third-party managers and mutual funds with high internal fees. After years of experience with complex, costly investments like private REITs and hedge funds, we feel they aren't worth the extra cost, let alone the loss of transparency and liquidity.
The benefit of a cost-conscious approach? Lower risk. Reducing costs means fewer hurdles to achieving the returns you need to meet your goals.
