What is DTR Navigator?
DTR Navigator is an investment program based on Dr. Frank Sortino's upside potential/downside risk framework and other advances of Post-Modern Portfolio Theory.
A Highly Relevant Investment Approach
DTR Navigator takes advantage of the insights gained from Post-Modern Portfolio Theory (PMPT) to help investors navigate effectively to their desired financial goals.
DTR Navigator:
Identifies the Desired Target Return needed to achieve each investor's financial goals
Maximizes the potential to exceed the goals, subject to the risk of falling below the goals
Combines active and passive investments optimally
Responds to investor needs and capital market changes
Focus on Desired Target Return
DTR Navigator aligns an investment program directly with the investor's future financial goals.
The result is a greater probability of success in achieving both the Desired Target Return and the ultimate financial goals.
Different Needs, Different Portfolios
DTR Navigator is customized to an individual's financial profile, rather than a one-size-fits-all answer.
- DTR is based on objective needs versus subjective preferences.
Adaptable, Systematic Approach
DTR Navigator measures an investor's progress toward designated goals and makes adjustments for any changes in an investor's financial profile or in the capital markets.
The investor's DTR is periodically recalculated to determine if a change in asset allocation is appropriate.
Emotional Decision Making Mitigated
DTR Navigator safeguards investors from self-destructing their portfolios.
Suitable for Institutional and Individual Investors
DTR Navigator can be customized for any investor's program.
DTR Navigator can be implemented effectively for:
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Clear Tracking of Progress
We keep investors aware of their progress toward achieving their goals by providing regular, informative reports.
The reports inform investors of the DTRs they need to accomplish their financial goals. They document investors' progress toward accomplishing their goals, and provide alternative ways to reduce or increase risk, or to reduce or increase contributions to achieve their goals.
For 401(k) participants, the report illustrates a participant's estimated paycheck ramifications for various decision-making scenarios. The report includes:
- Rate of return required to achieve 70% of salary
- Before and after tax salary deferral ramifications
- Change in DTR if investor wants to increase or decrease contributions
- Monthly income at retirement age
Low Cost
DTR Navigator is cost-effective when compared to other investment programs.