Here's a hypothetical: Would you rather earn 15% return on an investment with robust protection from risk or 20% return on an investment without risk mitigation strategies?

Everyone will have a different answer to that question. Count us in the group that is willing to take slightly less on the upside if it allows us to protect gains during a market pullback. The reason? It's notoriously impossible to time market cycles, as many financial titans have attested to over the years. It's also usually a bad decision to put your money under a mattress.

The difference between a thorough, dedicated financial advisor and one that is just dumping clients into algorithms is often a detailed risk management strategy, no matter the market conditions. At Coign, we're always thinking about risk adjusted return. Diversification across many sectors + active asset choice are the two major factors at play when we plan a comprehensive strategy.