Asset Class Investing

Asset class investing allows you to capture market returns in the most efficient and cost effective way while avoiding mistakes along the way.  Backed by decades of research conducted by multiple Nobel Prize Laureates, investing in asset classes rather than individual companies is a proven strategy for long-term investing success.

Working with your Lunin-Pack Financial Group advisor and using your financial plan and Investment Policy Statement as a guidebook, you will:

  1. Find the appropriate portfolio allocation between stocks and bonds to meet your goals
  2. Diversify your holdings among international and U.S. stocks to help manage the volatility of your portfolio returns over time; and
  3. Potentially increase your returns by invsting in riskier companies, such as small, "value," or international companies, within your risk budget.


Diversification neither assures a profit nor guarantees against loss in a declining market. The risks associated with investing in stocks and overweighting small company and value stocks potentially include increased volatility (up and down movement in the value of your assets) and loss of principal.