Asset Management

Onyx Investments helps clients navigate and leverage financial markets, in order to provide for important life goals. The company builds diversified portfolios designed to preserve opportunities for growth, while also managing against down side risks. Asset management recommendations begin with a self-assessment, where clients detail life goals and complete financial inventories. From there, Onyx Investments will recommend an asset allocation that negotiates a compromise between macroeconomics and investor objectives concerning risks versus rewards.

Self-Assessment

Onyx Investments insists that clients prioritize financial goals. Private individuals typically uphold advanced education, marriage, real estate purchases, and retirement as important life benchmarks. Alternatively, business and government institutions seek to maximize the efficiency of employee benefit plans and cash reserves, in order to sustain a productive culture throughout time. At this stage, Onyx Investments will run projections that estimate the total time and costs necessary to achieve aforementioned life and business goals.

Financial Inventory

Clients will complete a financial inventory to document assets, liabilities, income, expenses and insurance policies. After completing the inventory, Onyx Investments will subtract away monthly expenses from your monthly income to arrive at a monthly cash flow figure that may be invested systematically into financial markets. Lastly, Onyx may recommend that you sell off any underperforming assets to raise and reallocate cash towards a more effective and diversified financial portfolio.

The Investment Portfolio

Again, Onyx Investments makes asset recommendations that balance client objectives alongside potential risks versus rewards. Higher risk investments, such as small capitalization and international stocks, are high-risk and high potential return investments, which are more so ideal as long-term commitments. All stocks are volatile, relative to bonds, and generally perform well as the economy improves. Amid recession, bonds typically hold value, while providing interest income. Cash management products, such as certificates of deposit, preserve liquidity, but are subject to inflationary risks.

Additional Concerns

Adequate insurance coverage is a necessary, but often overlooked pillar of any responsible asset management plan. Health, life, and disability insurance policies provide liquidity amid disaster and spare your portfolio from untimely withdrawals. The power of long-term compound returns is indeed, miraculous.