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Building an “Endowment Style” Portfolio

As outlined in the “Our Investment Philosophy” section, Atomi Financial Group's investment approach is very similar to the asset allocation strategies utilized by major universities such as Yale and Harvard. Consequently, we say our portfolios have an “endowment style”, which means they combine both liquid managed investment portfolios with illiquid direct investments, such as real estate, private equity, private debt, etc.

By combining both traditional and non-traditional investments into a single portfolio, we believe we may be able to achieve superior risk-adjusted returns and lower volatility through all market cycles. However, there are trade-offs to an endowment-style portfolio, such as less liquidity, than a traditional liquid portfolio that must be accounted for. Therefore, each client’s recommended investment portfolio is customized to meet their unique situation, goals, and requirements.

Investment Mgmt
Designing a Client’s Investment Portfolio

Building an optimal client-specific investment portfolio is both a science and an art. Its design relies on great number of variables, some of which are unknown at the time of implementation. Ultimately, the success of one’s investment portfolio is dependent on an alignment of the portfolio’s risk/return to one’s goals, an understanding of true diversification, and an eye for selecting suitable, high-quality investments.


Atomi’s process to designing an optimal investment portfolio will answer these five key questions:

  1. What are the risk / return characteristics of your current investment portfolio?

  2. What asset allocation mix is appropriate for your age, risk tolerance, time horizon, and goals?

  3. What specific asset classes, investment types, and investment strategies are appropriate?

  4. How much of your investment portfolio should be invested into non-liquid investments?

  5. How can you feel confident in your future, even in difficult economic periods?

Atomi’s Two-Step Portfolio Design Process
Step 1: Establish Investment and Risk Management Criteria

  1. Determine future income needs

  2. Identify current assets and annual savings goals

  3. Project future savings while working and income when retired

  4. Create lifetime net worth and drawdown scenarios based on different savings and return assumptions

  5. Set portfolio volatility and return goals based on option

  6. Identify and manage potential risks

Step 2: Develop, Discuss, and Implement your Recommendations

We create the following written documents for your approval or refinement:

  1. Risk / return profile assessment

  2. Investment portfolio allocation

  3. Recommended investment managers and direct investments

  4. Risk management strategies

  5. Implementation schedule

Once the overall investment strategy is reviewed and approved, Atomi will establish needed accounts and help coordinate asset transfers. Periodic reviews will be scheduled based on the service level selected.

Portfolio Design Process
Tactically-Enhanced Managed Portfolios

Atomi’s Tactically-Enhanced Managed Portfolios have a $25,000 household investment minimum. Below is their market neutral allocations:

  1. Total Yield Strategy – 95% Income / 5% Liquid Alternatives

  2. Core Fixed Income – 90% Income / 10% Liquid Alternative​s

  3. Income Plus – 70% Income / 20% Equity / 10% Liquid Alternatives

  4. Real Balanced Growth and Income – 50% Income / 40% Equity / 10% Liquid Alternatives

  5. Real Wealth Accumulation – 30% Income / 60% Equity / 10% Liquid Alternatives

  6. Aggressive Real Growth – 15% Income / 75% Equity / 10% Liquid Alternatives

  7. Diversified Equities – 90% Equity / 10% Liquid Alternatives

Direct Investments

Atomi Financial Group’s inventory of direct investments is perpetually changing as programs open and close to new investors. At the time of an investment proposal, Atomi may recommend certain direct investments to compliment one or more of Atomi’s Tactically-Enhanced Managed Portfolios. Determining which direct investments are suitable is based on a detailed analysis of the client’s financial goals, liquidity needs, suitability standards, risk tolerance, financial sophistication, plus other factors.

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