Inspire Investment Philosophy
Passive & Active Investment Philosophy
Our asset management service provides you an array of investment choices. We utilize Vanguard®, as well as many other institutional money managers when exploring your options.
We believe in passive management strategies that utilize low cost exchange traded funds. Based on our research, 94% of actively managed U.S. equity funds under-perform their style benchmarks*.
Considering the average active fund expense ratio is 0.58%, and the average index fund is 0.09%, we believe that passively allocated ETF portfolios can deliver strong investment performance over the long term*.
*INDEXING: Truths, Myths, and Benefits. Vanguard, 2019.
Tax-Managed: An Active Approach
For investors in higher tax brackets, taxes can significantly impact a portfolio's long-term growth. We offer several tax-managed solutions. Through a unique, actively managed approach, our tax-managed portfolios attempt to minimize your tax bill while maximizing your ROI. Inspire offers tax-managed investments with a 40% to 100% equity base. We then balance any remainder with a high-quality municipal bond investment. This approach can reduce tax drag on your portfolio. Gains on tax-managed investments are primarily from capital gains tax of 0% to 20% in 2023, depending on your tax status.
Year-Round Tax-Loss Harvesting
Our process provides year-round tax-loss harvesting. We incorporate daily tax-management into your portfolio to neutralize tax exposure by minimizing capital gains and maximizing after tax returns.
4-Front for Accredited Investors
If you are an investor interested in an equity driven momentum based approach, we offer Inspire's 4Front portfolio. This approach to investing is a more aggressive approach to wealth management and is best suited for accredited investors. This is another version of active management that seeks to outperform the S&P 500 over the long term.
Questions about our investment options? Schedule a call today.
Socially Responsible Investing (SRI)
For investors who desire a more socially conscious investment approach, we may have an inspiring solution for you. We typically blend the ESG or SRI funds with the 4-Front portfolio. Inspire's ESG and SRI funds are best suited for the accredited investor.
If you would like to learn more about our SRI investment opportunities, click the link below.