--- title: Are Your Clients Using Multi-Method Investing®? description: Consider Multi-Method Investing® - a diversified approach to investing that applies multiple methods, tailored to specific market environments. image: https://www.4tfg.com/hubfs/Are-Your-Clients-Using-Multi-Method-Investing.jpg --- [![4thought_footer-logo.png](https://www.4tfg.com/hs-fs/hubfs/4thought_footer-logo.png?width=335&height=101&name=4thought_footer-logo.png "4thought_footer-logo.png")](https://www.4tfg.com/) - [![4Thought Financial Group](https://www.4tfg.com/hubfs/4thought_footer-logo.png)](https://www.4tfg.com/) [![4Thought Financial Group Compass](https://www.4tfg.com/hubfs/4Though-Compass.png)](https://www.4tfg.com/) - [About 4Thought](https://www.4tfg.com/investment-methodology) - [Our Investment Methodology](https://www.4tfg.com/investment-methodology) - [Management Team](https://www.4tfg.com/management) - [In the Media](https://www.4tfg.com/media) - [Contact](https://www.4tfg.com/contact) - [Services](https://www.4tfg.com/investing) - [Private Individual Investing](https://www.4tfg.com/investing) - [SMAs for RIA /Institutional /Family Office](https://www.4tfg.com/financial-advisors-and-institutions) - [Services for CPAs](https://www.4tfg.com/cpa-investing-services) - [Private Wealth Management](https://www.4tfg.com/wealth-management) - [Retirement Plan Services](https://www.4tfg.com/retirement-plan-services) - [Resources](https://www.4tfg.com/resources) - [Financial News](https://www.4tfg.com/resources) - [Portfolio Review](https://www.4tfg.com/portfolio-review) - [Investment Performance](https://www.4tfg.com/performance-requests) - [CPA Continuing Education](https://www.4tfg.com/cpe-continuing-education) - [FAQs](https://www.4tfg.com/faq) - [FAQs](https://www.4tfg.com/faq) - [Contact](https://www.4tfg.com/contact) - Log In - [Goldman Sachs Accounts](https://www.folioclient.com/servlets/ProcessAction?identifier=loginFormEntry&user.mode=IAC) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) - - Log In - [Goldman Sachs Accounts](https://www.folioclient.com/servlets/ProcessAction?identifier=loginFormEntry&user.mode=IAC) - [Wealth Management](https://wealth.emaplan.com/ema/SignIn?ema) - [Consolidated Reporting](https://client.myadvisorlink.com/auth/users/webportal/4tfg) - [Retirement Plan Services](https://www.4tfg.com/rps-login) ## 4Thought Investing Resources ## 4Thought Investing Resources [Financial News](https://www.4tfg.com/resources/) [Investment Strategy](https://www.4tfg.com/resources/topic/investment-strategy) [Personal Finance](https://www.4tfg.com/resources/topic/personal-investing) [Business Finance](https://www.4tfg.com/resources/topic/business-finance) [For Professionals](https://www.4tfg.com/resources/topic/financial-professionals)[Compass and Crosshairs](https://www.4tfg.com/resources/topic/compass-and-crosshairs) SUBSCRIBE Subscribe for free tips and articles to help you lead a smarter financial life. [Financial News](https://www.4tfg.com/resources) ,[Accounts and Clients](https://www.4tfg.com/resources/topic/accounts-and-clients) # Are Your Clients Using Multi-Method Investing®? Consider Multi-Method Investing® - a diversified approach to investing that applies multiple methods, tailored to specific market environments. \[fa icon="calendar"\] Aug 5, 2022 3:57:00 PM by [4Thought Financial](https://www.4tfg.com/resources/author/4thought-financial) Info Sheet - PDF Download [![](https://www.4tfg.com/hubfs/Collateral/Advisors_MultiContingency.png "Systematic Investing")](https://www.4tfg.com/hubfs/Collateral/High-Impact-Low-Cost%20Systematic-Investing.pdf) ### **4Thought Financial Group's Multi-Contingency Investing Methodology** "Our portfolio modeling process starts with creative proprietary research and empirical data analysis. Our findings are used to generate decision making formulas that are able to rapidly and repeatedly analyze vast quantities of raw data and drive our buy/sell/allocation decisions in tune with the specific investment mandates of each of the separately managed accounts offered." [View the PDF](https://www.4tfg.com/hubfs/Collateral/Advisors_MultiContingency.pdf) [Save the PDF](https://www.4tfg.com/hubfs/Collateral/Advisors_MultiContingency.pdf.zip) [*Learn more about our Multi-Contingency Investing Method*](https://www.4tfg.com/financial-advisors-and-institutions) Most of your accounting practice clients probably have one of two types of investment portfolios: **Type 1:** An amalgamation of seemingly random and uncoordinated investment instruments acquired at different times from different providers (a “junk drawer” of financial assets).  **Type 2:** A professionally managed portfolio allocated based on risk tolerance and objectives, and diversified by asset type (using a Strategic Asset Allocation or “Modern Portfolio Theory” approach). While Type 2 is definitely better than Type 1 (by miles), it’s still only a single method of investing. You and your clients may want to consider broadening your horizons with an approach called “Multi-Method Investing®”. The world of investment management can be broken down into 4 primary categories of investment method that can be used by an investor to attempt to achieve his or her goals, which correspond to 4 types of market environment: - Liability-Driven Investing and Bear Markets: Characterized by investor fear and declining asset prices, a Bear market will be best attacked using Liability-Driven Investing. - Strategic Asset Allocation and Bull Markets: Characterized by investor confidence and rising asset prices, a Bull market will be best attacked using Strategic Asset Allocation. - Opportunistic Investing and Wolf Markets: Characterized by investor uncertainty and volatile or sideways asset prices, a Wolf market will be best attacked using Opportunistic Investing. - Selective/Concentrated Investing and Eagle Markets: Characterized by investor exuberance and soaring asset prices, an Eagle market will be best attacked using Selective/Concentrated Investing We’ve found through both proprietary and third party research that no single method is effective in all scenarios, but instead that each approach tends to have a particular market environment or part of the market cycle to which it is very well adapted. Our conclusion is that in order to achieve one’s life goals, one should diversify at the level of investment method, applying the most effective aspects of multiple completely divergent methods of investing, and not be dogmatic about using a single method. This approach effectively adds a whole new layer of diversification to the portfolio (diversification by investment method), beyond the traditional asset-type diversification provided by the “Type 2” traditional diversified portfolio. The end result is an aggregate investor portfolio that is better equipped to handle a wider variety of contingencies. Our research and experience shows that by doing the right investment planning and making practical investment decisions using the Multi-Method Investing approach one can increase the probability that an investor will achieve their financial goals. If you’d like to [learn more about Multi-Method Investing](https://www.4tfg.com/investment-methodology) and how it could help your clients, please [contact 4Thought Financial Group Inc](https://www.4tfg.com/contact). ## Was this article helpful to you? ### Subscribe to our newsletter for free tips and articles to help you lead a smarter financial life. ### Related posts [![Need To Offer Your Clients Investment Advice So You Can Compete With Other CPAs?](https://www.4tfg.com/hubfs/Need-To-Offer-Your-Clients-Investment-Advice-So-You-Can-Compete-With-Other-CPAs.jpg)](https://www.4tfg.com/resources/need-to-offer-your-clients-investment-advice-so-you-can-compete-with-other-cpas) [![Concerned About The Service Quality Of Your Clients' Financial Services ](https://www.4tfg.com/hubfs/Concerned-About-The-Service-Quality-Of-Your-Clients-Financial-Services-Professionals.jpg)](https://www.4tfg.com/resources/concerned-about-the-service-quality-of-your-clients-financial-services-professionals) [![Concerned About The Effect Of Rate Rises On Your Clients’ Bond Mutual Funds?](https://www.4tfg.com/hubfs/Concerned-About-The-Effect-Of-Rate-Rises-On-Your-Clients%E2%80%99-Bond-Mutual-Funds.jpg)](https://www.4tfg.com/resources/concerned-about-the-effect-of-rate-rises-on-your-clients-bond-mutual-funds) ## Leave a Comment ### Search 4tfg.com This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### **What Type of Investor Are You?** You have unique investment goals. 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The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests); or by phone at (516) 300-1617. Disclaimer [Form CRS, Firm Brochure (ADV Part2), Privacy Policy Notice, and Wrap Fee Program Brochure](https://www.4tfg.com/hubfs/Firm_Brochure_ADV_Pt2-Privacy_Policy-Wrap_Fee_Program_Brochure.pdf) [Disclosure](https://www.4tfg.com/disclosure) [BrokerCheck](http://brokercheck.finra.org/) Investment Advisory Services are offered through 4Thought Financial Group Inc., an SEC Registered Investment Adviser. Registration does not imply a certain level of skill or training. The content presented here is for informational purposes only and does not constitute a complete description of our investment advisory services or performance. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where we are registered (or notice filed) or where an exemption or exclusion from such registration exists. Information throughout this site, including, but not limited to, stock quotes, charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY LINKED WEBSITE. Any opinions presented here are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors. \*4Thought Financial Group claims compliance with the Global Investment Performance Standards (GIPS®). GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. The GIPS firm definition excludes any third party asset management programs over which 4Thought maintains oversight advisory agreements on behalf of its clients, any arrangements under which 4Thought provides recommendations for client self-implementation, and any assets under advisory but not under direct management (in which 4Thought provides allocation changes or trading signals to third party firms but does not take discretion over the trading of client accounts). GIPS-compliant performance information for 4Thought's strategies may be obtained by email at [info@4tfg.com](mailto:info@4tfg.com); on the 4Thought website at [https://www.4tfg.com/performance-requests](https://www.4tfg.com/performance-requests); or by phone at (516) 300-1617. ```json { "@context" : "http://schema.org", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "", "addressLocality" : "Syosset", "addressRegion" : "New York", "postalCode" : "11791", "streetAddress" : "6851 Jericho Turnpike Suite 120" }, "alternateName" : "4 Thought Financial Group", "areaServed" : { "@type" : "GeoCircle", "geoMidpoint" : { "latitude" : "+40.8100713", "longitude" : "-73.5172286" }, "geoRadius" : "150 km" }, "description" : "Consider Multi-Method Investing® - a diversified approach to investing that applies multiple methods, tailored to specific market environments. 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