INEPHCO is founded by Mohammad Ehsani and his experienced management team.
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We set out to make investing more efficient—and we have. With our platform, your investor returns can get a boost of 2.50%
By Mohammad Ehsani Managing Director of Behavioral Finance & Investing, INEPHCO
Published: February 6, 2019
INEPHCO’s portfolio is designed to help customers achieve the optimal expected returns at every level of risk from their investments
Next, we use a variety of strategies—including automation—to make sure investors keep as much of those returns as possible
Remember when you got your first paycheck? That was probably the first moment when you saw the sizable difference between what you earned and what you actually took home
There’s a parallel to investing here. Often, there is a gap between the amount your portfolio earns (your investment returns) – and what actually lands into your pocket (your investor returns). But unlike the withholdings from your paycheck, that investment gap is something you can mitigate.
INEPHCO is designed to help you keep those investor returns that can be—and often are—gobbled up by excessive fees, poor investor behavior (i.e. market timing or uncompensated risk from poor diversification), and other inefficiencies like poor tax strategies.
In fact, that’s the fundamental reason Inephco exists: To offer you a better, more effective and ultimately more rewarding way to invest.
While this number depends greatly on how you choose to invest elsewhere, we estimate that you can potentially keep an additional 2.66% of your investor returns each year by using INEPHCO
Additional Returns with INEPHCO
firstly you have to know about us that : This chart is for illustrative purposes only and is hypothetical only. It does not represent results of actual trading using client assets. It serves to demonstrate the dollar impact compounded over time of the potential individual additional returns attributable to each of index investing, automatic rebalancing and better behavior in excess of the returns generated by a hypothetical portfolio not containing these three features.
We discuss below how we derived the potential individual additional returns attributable to index investing, automatic rebalancing and better behavior. These three items may not operate independently from each other. You should carefully consider the processes, data, assumptions, and limitations we reference in the studies in this article. Among other things, the studies included in this article cover different time periods, investments, and other important items.
Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. Please note that hypothetical results are calculated and developed with the benefit of hindsight and have inherent limitations. These hypothetical results are based on historical studies, and may be sensitive to the time periods in which they occurred. Further, there is a potential for loss as well as gain that the hypothetical information portrayed does not display. Actual INEPHCO customers may experience different results from those shown.
* To calculate this number, we evaluated the effect of each potential additional return category on the above-described portfolio. Portfolio performance is calculated by compounding on a monthly basis. We then added the output from the three separate analyses together.
Smart, automated rebalancing
Another benefit to investing with INEPHCO is smart, automated rebalancing – a key ingredient for optimal portfolio performance. When portfolios drift, it usually means you are taking on risk that you had not planned to take and that could hurt your performance over time. Rebalancing puts you back on the efficient frontier.
Our sophisticated approach to rebalancing uses your portfolio’s dividends and other deposits to rebalance by buying underweight assets and uses withdrawals to sell overweight assets. If rebalancing in a taxable account requires selling shares, our TaxMin service attempts to minimize the taxes incurred.
One study found that rebalancing increased returns by about 0.40%.2 The primary benefit of rebalancing, however, is that it controls risk in your portfolio and can significantly reduce measures of risk – volatility and the expected maximum drawdown.
Better behavior
Lastly, we have built specific behavioral guardrails and nudges which help you be a better investor (sometimes despite yourself!)
Over the last decade, much research has been devoted to the role of behavior in investing. It turns out that bad behavior (like trying to time the market or reacting to temporary market news) hurts returns – a lot. We’ve put a lot of thought into helping you avoid that kind of behavior penalty. On average, a INEPHCO customer kept an extra 1.25% of returns as compared to an average investor, our analysis showed.
So when you add up the total potential INEPHCO advantage to you, it’s quantifiably better.
Shared In About us page Of INEPHCO website.